Current rates as of April 1, 2026
| Product | Min Loan Term (Months) | Max Loan Term (Months) | Min Loan Amount | Max Loan Amount | Annual Percentage Rate | Payment Per $1,000* |
|---|---|---|---|---|---|---|
| Personal Term Loan | 12 | 36 | $2,000 | $25,000 | As Low As 12.00% | $33.22 |
| Overdraft Line of Credit | - | - | $1,000 | $25,000 | 15.99% | N/A |
Rates shown above are reflective of our highest credit standards and does not represent a guaranteed rate. Your actual APR may differ based on your credit score and approved loan amount. You may be eligible for a rate discount if you elect to make automatic payments from your Needham Bank personal checking account.
Please note that Personal Term Loans are only available to residents of Massachusetts and Southern New Hampshire.
*Payment per $1,000 is based on a $10,000 loan for the maximum term and the lowest APR available.