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North Cambridge Co-Operative Bank

Loan Rates

View all our current loan rates:

Adjustable Rate Mortgage Rates

Effective Date: Friday, December 5, 2025

Adjustable Rate Mortgage Rates (Rate Table)
TypeInterest Rate# Monthly PaymentsPointsMonthly Payment Per $1,000Fully Indexed Rate %# of Monthly PaymentsMonthly Payment Per $1,000APR* 
1 Year Adjustable6.375%120.000%$6.247.625%348$7.067.51%How To Apply
3 Year Adjustable6.375%360.000%$6.247.000%324$6.636.85%How To Apply
3/1 Year Adjustable6.375%360.000%$6.247.000%324$6.636.85%How To Apply
5/1 Year Adjustable6.375%600.000%$6.246.875%300$6.536.69%How To Apply
7/1 Year Adjustable6.375%840.000%$6.246.875%276$6.526.63%How To Apply

Payments shown do not include taxes or insurance. Your monthly payment will be greater.
*Annual Percentage Rate (APR)
Rates are subject to change without notice.
APR may increase after closing.
Rate and Annual Percentage Rate (APR) are based on 20% down payment.
APR includes flood certification fee, tax service fee and copy of tax return fee.
Any borrower obtaining a loan secured by real estate must provide the Bank with satisfactory proof of hazard/homeowner's/flood insurance.
Subject to credit approval.
Ask a Mortgage Loan Officer for details as they apply to you.
Based on a 30 year term.
Available on conforming owner-occupied loan amounts for a single family is $647,200, 2-family is $828,700, 3-family is $1,001,650, 4-family is $1,244,850.

Fixed Mortgage Rates

Effective Date: Friday, December 5, 2025

Fixed Mortgage Rates (Rate Table)
TypeInterest RateAPR*Monthly Payments Per $1,000 Borrowed 
30 Year Fixed Rate6.750%6.760%$6.49How To Apply
20 Year Fixed Rate6.500%6.513%$7.46How To Apply
15 Year Fixed Rate6.250%6.267%$8.57How To Apply
10 Year Fixed Rate6.000%6.024%$11.10How To Apply

Payments shown do not include taxes or insurance. Your monthly payment will be greater.
*Annual Percentage Rate (APR)
Rates are subject to change without notice.
Rate and Annual Percentage Rate (APR) are based on 20% down payment.
APR includes flood certification fee, tax service fee and copy of tax return fee.
Any borrower obtaining a loan secured by real estate must provide the Bank with satisfactory proof of hazard/homeowner's/flood insurance.
Subject to credit approval.
Ask a Mortgage Loan Officer for details as they apply to you.
Available on conforming owner-occupied loan amounts for a single family is $647,200, 2-family is $828,700, 3-family is $1,001,650, 4-family is $1,244,850.

Fixed Rate Home Equity Loan

Effective Date: Friday, December 5, 2025

Fixed Rate Home Equity Loan (Rate Table)
TypeInterest RateAPR*Monthly Payments Per $1,000 Borrowed 
5 years6.750%6.759%$19.68How To Apply
10 years7.000%7.005%$11.61How To Apply
15 years7.250%7.253%$9.13How To Apply

Payments shown do not include taxes or insurance. Your monthly payment may be greater.
*Annual Percentage Rate (APR)
Rate and Annual Percentage Rate (APR) are available on owner-occupied 1-4 family homes and condominiums.
North Cambridge Co-operative Bank lien must be in second position for these loan terms.
Homeowner's insurance is required on the home securing the loan. Flood insurance may be required.
Consult your tax advisor regarding the deductibility of interest paid.
80% maximum CLTV. Appraisal is required at borrowers expense.
Subject to credit approval.
Please call for additional loan details.

Home Equity Line of Credit

Effective Date: Friday, December 5, 2025

Home Equity Line of Credit (Rate Table)
TypeInterest RateAPR* 
Home Equity Line of Credit 8.50%8.50%How To Apply

*Annual Percentage Rate (APR)
Rate and Annual Percentage Rate (APR) are available on owner-occupied 1-4 family homes and condominiums.
Homeowner's insurance is required on the home securing the line. Flood Insurance may be required.
Consult your tax advisor regarding the deductibility of interest paid.
80% maximum CLTV. Appraisal is required at borrowers expense, at a fee of $475.00 - $600.00.
Subject to credit approval.
Term is based on 10 year draw period followed by a 15 year repayment schedule.
APRs for Home Equity Lines of Credit are variable and are subject to change monthly. Rates are based on the Wall Street Journal Prime Rate (currently 8.50%).
Maximum APR is 18%.
Please call for additional loan details.

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