Your Loans.




   Home Equity

   Home Energy Loan

   Credit Card


   Real Estate



Personal Loan

A loan issued to qualified customers without the need for a form of collateral.

  • Variety of Terms
  • Variety of Payment Schedules
  • Fixed Interest Rate
  • Minimal Processing Time
  • Automatic Payment Option Available
  • No Collateral Required

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MSB Moneyline (overdraft protection)

This is a loan product that automatically covers overdrafts on a checking account up to a predetermined limit by acting as a line of credit.

  • Automatically Disburses
  • Automatic payments made from checking account
  • Provides a loan when you need it
  • Avoids overdraft fees
  • Protects against check not being honored
  • Accessed by simply writing a check

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Home Equity Loan

A loan secured by the mortgage on the applicant's residence. This loan allows you to utilize the equity in your property and can be either fixed or variable rate.

  • Fixed or Variable rate available
  • Interest may be tax deductible
  • Automatic payments available
  • Variety of terms
  • No prepayment penalties

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 Home Energy Loan

Our Home Energy Loan is designed to help you economically invest in improving the energy efficiency of your home. By improving your home efficiency, you will improve your financial well-being by lessening your long-term energy costs and potentially increasing the value of your home.

Some suggestions for improving your home efficiency:

  • Installation of energy efficient heating and hot water systems
  • Installation of new windows, doors and insulation
  • Purchasing energy efficient appliances like a washer, dryer, dishwasher and/or refrigerator

Features of our Home Energy Loan:

  • Competitive rates
  • Fast Approval
  • Loans up to $7,500
  • Up to 5 Year Terms Available*
  • Unsecured

How to apply?

Fill out the attached Home Energy Loan Application and bring the other required documents to your local Machias Savings Bank branch. For additional details or questions, call 1-866-416-9302.

Other required documents include: Copy of current property tax bill, proof of employment and quote or esti­mate for improvements.

*Available to qualified applicants, subject to credit approval. For our 5-year term, 5.95% interest rate, with an APR of 6.503%, a $7,500 loan with a $100 origination fee would require 60 monthly payments of $ 146.76. This is a limited time offer and could end without notice. Member FDIC

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VISA Credit Card

We have partnered with Elan Financial Services, one of the largest and most experienced credit card issuers in the nation, to provide a variety of Visa card products to you. Apply online now! Accepted worldwide

  • Provides a revolving line of credit
  • Receive an itemized monthly statement
  • Simple to use
  • Monthly pay-off option

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Collateral Loan

A loan secured by a savings or investment product.

  • Fixed interest rate
  • Variable or fixed terms available
  • Interest rates are typically lower than a personal loan
  • Help to establish/re-establish credit
  • Quick loan approval and processing time
  • Collateral may consist of an MSB Passbook Savings or Certificate of Deposit

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Real Estate Loans

Fannie-Mae Mortgage  Rate Information

A fixed rate secondary market mortgage for borrowers who meet the program guidelines.

Apply Online Now!

  • Lower interest rate
  • Fixed interest rate
  • No pre-payment penalty
  • Interest may be tax deductible
  • Guarantees available
  • Available for both purchase and refinance of primary residence, year round second home, or investment property

Portfolio Mortgages  Rate Information

For those borrowers who have unique financial situations, or who require flexibility due to the inability to qualify for a secondary market mortgage, we offer portfolio products. A loan decision for this type of loan is based on an analysis of your individual strengths and needs, not on secondary market requirements.

Apply Online Now!   

  • Fixed or variable rates available
  • Lower closing costs
  • Various terms
  • For purchase or refinance
  • Interest may be tax deductible
  • Low down payment
  • Minimal processing time

MaineHousing Mortgage  Rate Information

This mortgage is designed for low to moderate income Maine residents who are first-time home buyers. The program utilizes guarantees of private mortgage companies and federal agencies to allow for down payments as low as 0%. Typically, the rates offered on MaineHousing loans are the lowest fixed rates on the market.

Apply Online Now!   

  • Lowest interest rates available
  • Fixed interest rate
  • Interest may be tax deductible
  • Government guarantees available
  • Low down payment

Construction Mortgage  Rate Information

A line of credit available for the construction of a new home. The line of credit allows the borrower to pay interest only on the money as it is advanced. This makes the transition period between present and future living arrangements less difficult during the construction process. We have a full array of permanent financing options available once the construction is complete.

Apply Online Now!   

  • Interest only payment
  • Interest only accrues on the amount that is outstanding each month
  • Fixed interest rate
  • Interest may be tax deductible
  • "Sweat" equity can be applied to an in-house loan
  • No prepayment penalty

Seasonal Mortgage

A mortgage that allows you to finance a camp or seasonal structure. Seasonal property owners may use this loan to access equity.

  • Minimal closing costs and processing time
  • Can be used for repair or purchase
  • Fixed interest rate
  • Interest may be tax deductible
  • Ability to obtain funds against unconventional property

Land Only Mortgages

A loan that allows you to purchase land and build equity for future improvements.

  • Fixed interest rate
  • Stable monthly payments
  • May purchase land for use in the future

Mobile Home with Land Loan

A fixed rate loan secured by a single or double wide mobile home located on the borrower's land.

  • Fixed interest rate
  • Interest may be tax deductible
  • May qualify for Maine State Housing Authority financing
  • Automatic transfer of payment available
  • Life and disability insurance available

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Auto Loans

Auto Loan

Can be used for the purchase of a new or used automobile.

  • Competitive Interest Rates
  • Payable at branches, through the mail, or with automatic transfer.
  • Life & disability insurance coverage available
  • Favorable loan terms
  • NADA "blue book values" quoted

Recreational Vehicle Loan

This loan is secured by a recreational vehicle. This loan could be used for 4-wheelers, boats, snowmobiles, or jet ski's among others.

  • Fixed interest rate
  • Automatic payments available
  • Bank prepares paperwork for private sales
  • Competitive rates & terms
  • Minimal processing time

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