State rate guide
Best loan rates in Massachusetts
97 lenders with published rates lend in Massachusetts. Every figure below is a lender-published rate tracked by LoanMate.ai and verified October 16, 2026. The lowest published 30-year fixed purchase rate available in Massachusetts is 5.75% from Reading Cooperative Bank, versus a national median of 7%.
Lowest published rates in Massachusetts
| Product | Best rate | Lender | National median |
|---|---|---|---|
| 30-year fixed | 5.75% | Reading Cooperative Bank | 7% |
| 15-year fixed | 5.625% | New Bedford Credit Union | 6.625% |
| 20-year fixed | 6% | Country Bank for Savings | 6.75% |
| 30-year fixed refinance | 5.75% | Reading Cooperative Bank | 7% |
| 15-year fixed refinance | 6% | Mass Bay Credit Union | 6.75% |
| 5/1 ARM | 5.5% | Westport Federal Credit Union | 5.933% |
| 7/6 ARM | 6% | Arise Federal Credit Union | 6.625% |
| HELOC | 3.49% | Mass Bay Credit Union | 7% |
| Fixed home equity loan | 5.49% | Metro Credit Union | 6.99% |
| New auto loan · 60 months | 3.99% | Hanscom Federal Credit Union | 5.49% |
| Used auto loan · 60 months | 4.39% | Hanscom Federal Credit Union | 6.25% |
| Unsecured personal loan · 36 months | 7% | BankFive | 11.165% |
| Unsecured personal loan · 60 months | 6.25% | Country Bank for Savings | 11.25% |
Lenders lending in Massachusetts
| Lender | Type | Products tracked | Lowest published rate |
|---|---|---|---|
| Worcester Credit Union | Credit union | 7 | 3.05% (Secured personal loan · 60 months) |
| Members Plus Credit Union | Credit union | 13 | 3.1% (Secured personal loan · 60 months) |
| Metro Credit Union | Credit union | 11 | 3.1% (Secured personal loan · 48 months) |
| Newburyport Bank | Bank | 10 | 3.25% (Secured personal loan · 60 months) |
| Mass Bay Credit Union | Credit union | 26 | 3.49% (HELOC) |
| Hanscom Federal Credit Union | Credit union | 20 | 3.99% (New auto loan · 60 months) |
| Freedom Credit Union | Credit union | 28 | 4.04% (New auto loan · 12 months) |
| City of Boston Credit Union | Credit union | 11 | 4.24% (New auto loan · 48 months) |
| Webster First Federal Credit Union | Credit union | 25 | 4.39% (New auto loan) |
| All One Credit Union | Credit union | 11 | 4.59% (New auto loan · 36 months) |
| Naveo Credit Union | Credit union | 14 | 4.6% (Secured personal loan · 60 months) |
| BrightBridge Credit Union (formerly RTN Federal Credit Union) | Credit union | 15 | 4.74% (New auto loan · 36 months) |
| Align Credit Union | Credit union | 26 | 4.99% (New auto loan · 36 months) |
| GFA Federal Credit Union | Credit union | 7 | 4.99% (New auto loan) |
| Jeanne D'Arc Credit Union | Credit union | 12 | 4.99% (New auto loan · 36 months) |
| Liberty Bay Credit Union | Credit union | 6 | 4.99% (New auto loan · 36 months) |
| Main Street Bank | Bank | 5 | 4.99% (HELOC · INTRO) |
| New Bedford Credit Union | Credit union | 12 | 4.99% (New auto loan · 60 months) |
| SCU Credit Union | Credit union | 9 | 4.99% (New auto loan · 48 months) |
| Tremont Credit Union | Credit union | 14 | 4.99% (New auto loan · 36 months) |
| Westport Federal Credit Union | Credit union | 16 | 4.99% (New auto loan · 60 months) |
| Workers Federal Credit Union | Credit union | 5 | 4.99% (New auto loan · 60 months) |
| First Citizens Federal Credit Union | Credit union | 9 | 5% (New auto loan · 36 months) |
| Greenfield Cooperative Bank | Bank | 16 | 5.4% (HELOC) |
| Alliant Credit Union | Credit union | 11 | 5.49% (New auto loan · 60 months) |
| BMO Bank | Bank | 3 | 5.49% (HELOC · INTRO) |
| Cornerstone Bank | Bank | 8 | 5.49% (Used auto loan · 36 months) |
| Salem Five Bank | Bank | 1 | 5.49% (HELOC) |
| 600 Atlantic Federal Credit Union | Credit union | 5 | 5.5% (ARM) |
| Bank of Easton | Bank | 7 | 5.5% (New auto loan · 36 months) |
| Greenfield Savings Bank | Bank | 8 | 5.5% (10/1 ARM) |
| Rollstone Bank & Trust | Bank | 5 | 5.5% (New auto loan · 48 months) |
| Bay State Savings Bank | Bank | 9 | 5.625% (5/1 ARM) |
| Country Bank for Savings | Bank | 23 | 5.625% (10-year fixed) |
| Wrentham Co-operative Bank | Bank | 9 | 5.625% (10-year fixed) |
| Fall River Municipal Credit Union | Credit union | 3 | 5.7% (New auto loan · 60 months) |
| IC Federal Credit Union | Credit union | 6 | 5.74% (New auto loan · 60 months) |
| PNC Bank | Bank | 6 | 5.74% (HELOC · INTRO) |
| Arise Federal Credit Union | Credit union | 8 | 5.75% (5/6 ARM) |
| Cape Ann Savings Bank | Bank | 8 | 5.75% (10-year fixed) |
| Needham Bank | Bank | 8 | 5.75% (5/5 ARM) |
| Reading Cooperative Bank | Bank | 12 | 5.75% (30-year fixed) |
| Lowell Five Bank | Bank | 8 | 5.875% (5/1 ARM) |
| Veterans United Home Loans | Lender | 4 | 5.875% (15-year fixed) |
| M&T Bank | Bank | 2 | 5.89% (New auto loan) |
| Harvard Federal Credit Union | Credit union | 13 | 5.95% (New auto loan · 60 months) |
| Alltrust Credit Union | Credit union | 3 | 5.99% (HELOC) |
| Rocket Mortgage | Lender | 3 | 5.99% (15-year fixed) |
| StonehamBank | Bank | 1 | 5.99% (HELOC) |
| TruNorth Bank | Lender | 9 | 5.99% (HELOC · INTRO) |
| BankGloucester | Bank | 9 | 6% (15-year fixed) |
| Dedham Savings | Lender | 6 | 6% (5/1 ARM) |
| Lee Bank | Bank | 5 | 6% (Secured personal loan · 36 months) |
| NASA Federal Credit Union | Credit union | 7 | 6% (Fixed home equity · 5YR) |
| Pittsfield Cooperative Bank | Bank | 13 | 6% (10-year fixed) |
| St. Anne's Credit Union | Credit union | 9 | 6% (5/1 ARM) |
| The Savings Bank (Wakefield) | Bank | 11 | 6% (5/5 ARM) |
| Everett Bank (Everett Co-operative Bank) | Bank | 12 | 6.125% (5/1 ARM) |
| Chase | Bank | 4 | 6.24% (Used auto loan) |
| Eastern Bank | Bank | 2 | 6.24% (HELOC) |
| North Brookfield Savings Bank | Bank | 7 | 6.24% (New auto loan · 72 months) |
| Methuen Co-operative Bank | Bank | 9 | 6.25% (10-year fixed) |
| NBT Bank | Bank | 6 | 6.25% (5/6 ARM) |
| AmeriSave Mortgage | Lender | 1 | 6.375% (30-year fixed refinance) |
| Rockland Trust Company | Bank | 2 | 6.49% (HELOC) |
| BankFive | Bank | 9 | 6.5% (Fixed home equity loan) |
| Coastal Heritage Bank | Bank | 3 | 6.5% (New auto loan) |
| UniBank for Savings | Bank | 9 | 6.5% (New auto loan · 36 months) |
| Citizens Bank | Bank | 2 | 6.625% (15-year fixed) |
| Martha's Vineyard Bank | Bank | 4 | 6.625% (15-year fixed) |
| Total Mortgage Services | Lender | 4 | 6.625% (7/6 ARM) |
| Clinton Savings Bank | Bank | 11 | 6.74% (New auto loan · 24 months) |
| Wells Fargo | Bank | 2 | 6.74% (Unsecured personal loan) |
| Cambridge Savings Bank | Bank | 2 | 6.75% (HELOC) |
| U.S. Bank | Bank | 2 | 6.81% (New auto loan · 60 months) |
| Cape Cod 5 | Bank | 3 | 6.875% (Fixed home equity loan) |
| Consumers Credit Union | Credit union | 2 | 6.875% (30-year fixed) |
| MetroWest Community Federal Credit Union | Credit union | 1 | 6.999% (30-year fixed refinance) |
| Avidia Bank | Bank | 5 | 7% (New auto loan · 60 months) |
| PenFed Credit Union | Credit union | 1 | 7% (HELOC) |
| Trustco Bank | Lender | 1 | 7.12% (30-year fixed) |
| Figure | Lender | 1 | 7.25% (HELOC) |
| Middlesex Savings Bank | Bank | 12 | 7.25% (New auto loan · 36 months) |
| Westfield Bank | Bank | 6 | 7.25% (New auto loan · 36 months) |
| Haverhill Bank | Bank | 7 | 7.375% (New auto loan · 36 months) |
| Flagstar Bank | Bank | 1 | 7.49% (HELOC) |
| New American Funding | Lender | 1 | 7.5% (30-year fixed refinance) |
| Washington Savings Bank | Bank | 7 | 7.5% (New auto loan · 36 months) |
| LightStream | Lender | 1 | 7.74% (New auto loan) |
| Greylock Federal Credit Union | Credit union | 2 | 7.75% (Secured personal loan) |
| Eastern Bank (replaces acquired Century Bank and Trust Company Medford) | Bank | 5 | 7.99% (New auto loan · 60 months) |
| TD Bank | Bank | 3 | 7.99% (Unsecured personal loan) |
| Guaranteed Rate | Lender | 1 | 8.65% (HELOC) |
| Prosper | Lender | 1 | 8.99% (Unsecured personal loan) |
| Arise Federal Credit Union d/b/a Arise Financial (formerly Rockland Federal Credit Union) | Credit union | 3 | 10% (Unsecured personal loan · 48 months) |
| Fidelity Bank | Bank | 1 | 13.75% (Unsecured personal loan · 36 months) |
| Cape & Coast Bank | Bank | 1 | 15% (Unsecured personal loan · 60 months) |
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