While emergency repairs have been completed, our Hadley Branch remains closed as we work with the town to ensure adequate water pressure and safe, usable facilities. We are hopeful the branch will reopen by the end of this week. All other branches remain open as usual. You can access your accounts anytime through online and mobile banking. Thank you for your patience and understanding.
Home Improvement Loan Disclosures & Details
| The current prime rate is: 7.00%. Rates effective as of October 5, 2026. Rates subject to change at any time. |
Disclosures
Minimum approval of $500 is required. Granting this offer, after you respond to it, is conditioned upon your satisfying any applicable criteria bearing on your creditworthiness, including income, employment, and any other information you may provide on your application. Because this is a special one-time promotional rate, Co-op Points are not available to lower rate.
•§ Maximum term for home heating is 12 months unless a Secondary Share Account has been established to pay for the following year's heating expenses.
•Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.
• Payment examples: 8.75% for 36 months equals $31.69 per $1,000 borrowed.
Details
Home Improvement Loans carry a lower interest rate than our Personal Unsecured Loans because they are for the specific purpose of permanently improving your home. The amount available may be up to $15,000, with a repayment period of up to seven years. Available home equity is not required, and a lien is not placed against the home.