Personal Loans
There are times when you may need some extra money for anything from home repairs, to debt consolidation, to the purchase of a new car. We understand you'd like the loan process to be fast and simple. We have several lending choices and you can count on our customer service representatives to assist you in finding a loan solution that is right for you.Loan Solutions
Check our rates Take advantage of the equity in your home with a Home Equity Line. Use the line for home improvements, college education, a new car, or any other
personal need. We charge no points, fees, or closing costs.
Our interest rate can change monthly and is below prime for the life of the loan with no minimum balance requirement. The maximum loan amount available is determined by the available equity in your home and your ability to repay. Check with your tax advisor for possible tax savings with the use of this product. Click here for rates
Home Equity Line Features
Check our rates For those who prefer a Fixed Rate Equity Loan, we offer a fixed rate product at a slightly higher interest rate. Borrow $25,000 or more to meet your needs with a fixed rate equity loan today. Click here for rates
Fixed Rate Home Equity Loan Features
No need to worry about the embarrassment of bouncing a check or paying overdraft charges if you have our Overdraft Protection! If you should overdraw your checking account, funds from the Overdraft Protection credit line will be advanced in increments of $100, up to your available credit limit, to a maximum of $3,000. Repayment is monthly, with a minimum monthly payment of 5% of the outstanding balance. An Overdraft Protection line has a percentage rate of 15% and an annual fee of $10.00. The interest rate is fixed and you only pay for the money when you're using it. Click for rates
We make loans for any good reason. You may have an unexpected emergency and need the money quickly. We can lend you from $1,000 (minimum) up to $3,000 (maximum). Payments may be made up to a maximum term of three years. The rate is fixed, so your payment stays the same. Save an additional 1/2% on the interest rate if you set up automatic payments from your Hingham Institution for Savings account. Click for rates
Personal Loan Features
If you want to establish credit,
need cash now, or you're just looking for a loan with the best rate, this
may be a great option for you. A Passbook Loan is a secured loan with
your Hingham Institution for Savings passbook or CD as collateral. Funds
are available immediately and you may borrow up to 90% of the balance
of your collateral account. The interest rate is low also, only 3% over
your deposit rate. Call us today for more information.
Click here for rates
Passbook Loan Features
Borrow up to 90% of your passbook or CD balance
Low fixed rate
Hingham Institution for Savings offers new and used car loans. We'll get you behind the wheel of your car quickly with a minimum amount of paperwork. Our rates are low and only require a 20% down payment for new or used auto financing. For an even better deal, set up automatic payments from your Hingham Institution for Savings deposit account and save an additional 1/2% from the quoted rates! Click here for rates
Copyright 2007 Hingham Institution for Savings. All rights reserved. Member FDIC/Member DIF FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. Hingham Institution for Savings has chosen not to participate in the FDIC's Transaction Account Guarantee Program. Customers of Hingham Institution for Savings with noninterest-bearing transaction accounts will continue to be insured through December 31, 2013 for up to $250,000 under the FDIC's general deposit insurance rules. All deposits above this amount are insured by the Deposit Insurance Fund.
