View Liberty Bay Credit Union’s loan rates: Mortgage, HELOC, Auto, RV & Trailer, Boats, Personal, and more.
Rates effective as of October 30, 2025. All rates are subject to change at any time.
| Product | Interest Rate | APR | Payment Per Thousand |
|---|---|---|---|
| 30 Year Fixed | 6.375% | 6.425% | $6.24 |
| 20 Year Fixed | 6.000% | 6.065% | $7.16 |
| 15 Year Fixed | 5.750% | 5.831% | $8.30 |
| 10 Year Fixed | 5.500% | 5.613% | $10.88 |
| Fixed First Time Homebuyer Program | 6.375% | 6.485% | $6.24 |
| 5/1 Year Arm | 6.125% | 6.474% | $6.08 |
| 7/1 Year Arm | 6.250% | 6.480% | $6.16 |
| 10/1 Year Arm | 6.500% | 6.592% | $6.32 |
| 7/1 First Time Homebuyer Program | 6.250% | 6.456% | $6.16 |
| Home Possible | 6.375% | 6.425% | $6.24 |
| 100% LTV 30 Year Fixed | 6.500% | 6.635% | $6.32 |
| Product/APR* | Minimum FICO Score | Maximum Loan-To-Value | Maximum Loan Amount | Payment Per Thousand |
|---|---|---|---|---|
| HELOC Promo = Prime -.50% -12 mo | 620 | 80% | $1,000,000 | $6.75 |
| Rehab HELOC Prime +2.00% APR2 | 640 | 90% | $500,000 | $8.39 |
| Prime +2.00% APR | 700 | 90% | $500,000 | $8.39 |
Prime rate currently 7.00% APR.
| Product3 | Interest Rate | APR * | Term (months) | Payment Per Thousand |
|---|---|---|---|---|
| 7 Year Fixed | 6.500% | 6.556% | 84 | $14.85 |
| 10 Year Fixed | 6.875% | 6.895% | 120 | $11.55 |
| 15 Year Fixed | 7.000% | 7.083% | 180 | $8.99 |
| Term (months) | APR* (as low as) | Payment Per Thousand |
|---|---|---|
| 0-36 | 4.99% | $30.07 |
| 37-60 | 5.24% | $19.05 |
| 61-84 | 5.74% | $14.54 |
| Term (months) | APR* (as low as) | Payment Per Thousand |
|---|---|---|
| 00-60 | 6.74% | $19.77 |
| 61-120 | 6.99% | $11.67 |
| 121-180 | 7.74% | $9.47 |
| Term (months) | APR* (low as) | Payment Per Thousand |
|---|---|---|
| 0-60 | 6.49% | $19.65 |
| 61-120 | 6.74% | $11.54 |
| 121-180 | 7.49% | $9.32 |
| Term | APR* (as low as) | Payment Per Thousand | |
|---|---|---|---|
| Premier Line of Credit | Open Line | 10.99% | $20.00 |
| Personal Loan | 0-24 Months | 9.74% | $46.32 |
| 25-48 Months | 9.99% | $25.53 | |
| 49-60 Months | 10.24% | $21.52 | |
| Holiday Loan | 0-12 Months | 8.99% | $87.85 |
| Term (months) | APR* (as low as) | Payment Per Thousand |
|---|---|---|
| 12-84 | 0% | $11.90 |
Mortgage: Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.
APR = Annual Percentage Rates and interest rates are based on current pricing and subject to change at any time without notice. Rates are determined by loan amount, creditworthiness, loan-to value (LTV), loan term, occupancy status, property type, loan purpose, and lien position so your rate could be higher. Advertised rates are based on a set of loan assumptions (0 discounted points, a credit score of 740 or higher, LTV of 80% , a 30-year term, owner-occupied, single-family residence for purchase in Massachusetts in first lien position). Mortgage insurance may be required depending on loan guidelines. If mortgage insurance is required, the mortgage insurance premium could increase the APR, interest rate, and the monthly mortgage payment. Additional loan programs are available. All loans are subject to approval, other restrictions may apply.
97% fixed rate products are available to First Time Homebuyers ONLY (i.e. you have not owned property in the last 3 years). Fixed rates for all other borrowers have a maximum of 95% LTV.
Additional Information about our Adjustable Rate Mortgages (ARMs) – The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index.
HELOC: Prime rate currently 7.00%.
*APR = the Annual Percentage Rate and the Index is the Prime Rate, as published in The Wall Street Journal. Home Equity Lines of Credit for $400,000 or more require a full appraisal. Credit Union membership is required. Homeowners insurance and flood insurance (if applicable) are required for the life of the loan. Offer is subject to change at any time. Consult your tax advisor regarding the deductibility of interest on these loans. HELOCs have a 25-year term (10-year draw period with interest only payments followed by 15-year repayment period with principal and interest payments. A $400 application fee may be required. Subject to credit approval and membership eligibility. Promotional rate applies to new credit lines only. Lines of credit for $400,000 or more require a full appraisal. Deductibility of interest is not guaranteed, consult your tax advisor
1. The introductory APR will be Prime -.50% APR for the first 12 months of your loan during the promotional period. Thereafter, the index is variable and equal to the Prime Rate (Prime) as published in the Wall Street Journal (7.25% as of 9/18/2025). APR is subject to change given the variable nature of the loan and may increase after the promotional period. The corresponding APR will never be less than 3.00% or more than 18.00% per annum on our featured Home Equity Line of Credit Rate. Minimum draw of $15,000 required at origination.
2. Rehab Home Equity Lines require a full appraisal regardless of loan amount.
Home Equity Loan: *APR= Annual Percentage Rate
3. Home Equities for $400,000 or more require a full appraisal. Credit Union membership is required. Homeowners insurance is required for the life of the loan. Offer is subject to change at any time. Consult your tax advisor regarding deductibility of interest on these loans.
Auto Loans: Maximum loan amount of $250,000.00. *APR= Annual Percentage Rate. A 0.25% Auto Pay Discount is available when you enroll in automatic payments from a qualified Liberty Bay checking account. The discount applies only while automatic payments remain active and in good standing. If Auto Pay is canceled or payments are returned for any reason, the interest rate and corresponding payment amount may increase by 0.25%. The Auto Pay Discount is not available on all loan types and may be subject to credit approval, loan amount, and term restrictions. Other terms, conditions, and exclusions may apply. Please review your loan agreement for complete details. This offer may be modified or discontinued at any time without notice.
RV & Trailer Loans: Maximum loan amount of $250,000.00. *APR= Annual Percentage Rate. A 0.25% Auto Pay Discount is available when you enroll in automatic payments from a qualified Liberty Bay checking account. The discount applies only while automatic payments remain active and in good standing. If Auto Pay is canceled or payments are returned for any reason, the interest rate and corresponding payment amount may increase by 0.25%. The Auto Pay Discount is not available on all loan types and may be subject to credit approval, loan amount, and term restrictions. Other terms, conditions, and exclusions may apply. Please review your loan agreement for complete details. This offer may be modified or discontinued at any time without notice.
Boat Loans: Maximum loan amount of $250,000.00. *APR= Annual Percentage Rate. A 0.25% Auto Pay Discount is available when you enroll in automatic payments from a qualified Liberty Bay checking account. The discount applies only while automatic payments remain active and in good standing. If Auto Pay is canceled or payments are returned for any reason, the interest rate and corresponding payment amount may increase by 0.25%. The Auto Pay Discount is not available on all loan types and may be subject to credit approval, loan amount, and term restrictions. Other terms, conditions, and exclusions may apply. Please review your loan agreement for complete details. This offer may be modified or discontinued at any time without notice.
Personal Loans: Maximum loan amount of $25,000.00. *APR= Annual Percentage Rate. A 0.25% Auto Pay Discount is available when you enroll in automatic payments from a qualified Liberty Bay checking account. The discount applies only while automatic payments remain active and in good standing. If Auto Pay is canceled or payments are returned for any reason, the interest rate and corresponding payment amount may increase by 0.25%. The Auto Pay Discount is not available on all loan types and may be subject to credit approval, loan amount, and term restrictions. Other terms, conditions, and exclusions may apply. Please review your loan agreement for complete details. This offer may be modified or discontinued at any time without notice.
Mass Save HEAT Loan: Maximum loan amount of $50,000.00