Current Rates


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Consumer Loan Rates

Our Consumer Loans are affordable, flexible, and easy. Whether you need to buy a car, upgrade your computer, or remodel your home, we are here to help.

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Auto Loan Rates

Maximum Term

Down Payment


Monthly Payments per $1,000 borrowed

New Auto - Maximum Loan Amount - $50,000

Model Year 2024 with 500 miles or less

4 Years




5 Years




6 Years




Used Auto - Maximum Loan Amount - $30,000 (NADA Retail Value, or Purchase Price whichever is less.)

Model years 2020 - 2023

4 Years




5 Years




*Annual Percentage Rate (APR) and rates effective 6/12/2024. Subject to change without notice. All terms are subject to credit approval.

¹ .25% off auto loan rates with automatic payment from a TSB checking or statement savings account.

Personal Loan Rates

Maximum Term

Min Loan Amt

Max Loan Amt


Monthly Payments per $1,000 borrowed

Unsecured Personal Loan

4 Years





Money Reserve/Overdraft Protection¹





$30 min.
monthly payment

Savings Collateral Loan

10 Years


90% of passbook balance



*Annual Percentage Rate (APR) and rates effective 6/12/2024. Subject to change without notice. All terms are subject to credit approval.

¹ Maximum combined individual and/or household limit is $2,000. There is a $25 annual fee that applies to all Money Reserves.

² Savings Collateral loan payback schedule is based on $1,000 per year (i.e. $1,000 @ 1 year, $4,000 @ 4 years, $15,000 up to 10 years).

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To find out how The Savings Bank can help you achieve all your financial goals, visit one of our offices, use our contact form, or call us at 800-246-2009.

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Mail Theft Advisory
The North Reading Police Department is advising that anyone who utilized the blue, standalone US Postal Service collection box, which is located at the rear of the post office, at 174 Park St., any time after 12 PM on Saturday, June 8, has had their mail stolen. Direct questions as follows: • Specific questions on your account, please contact The Savings Bank at 800-246-2009. • Questions regarding this theft, please contact the North Reading Police Department at 978–664–3131. Read more.