• Rates
  • 15 YR APR2.57%
  • 30 YR APR2.79%

Benefits and Features

We're ready when you are. With Salem Five, loan approvals take less time, allowing you to take advantage of opportunities as they arise.

Star Home Equity Line of Credit

Benefits and Features

You invest time and money into your home. Now with a Star Home Equity Line of Credit you can leverage those investments for personal cash flow. The Star HELOC features an annual percentage rate (APR) of 3.25% with a floor rate of 3.25%.  

The Star Home Equity Line of Credit is only for existing Salem Five First Mortgage customers or for customers with no current lien on their primary residence.

  • Bill consolidation
  • Home maintenance
  • Education expenses

Automobile Loans

Benefits and Features

Salem Five Automobile Loans offer many term and rate options to meet your needs. Whether you're buying a vehicle or you need to lower your monthly payments, we want you to get the vehicle you want with the financing that meets your needs.

Overdraft Protection

Benefits and Features

Prevent returned checks and avoid overdraft fees with Salem Five Overdraft Protection.  It's not just convenience, it's peace of mind.

  • Enjoy a credit line on your Salem Five Checking Account
  • Automatically access funds up to your available credit limit whenever there are insufficient funds in your checking account
  • Eliminate the complication and expense of returned checks

Student Loan

Benefits and Features

For Borrowers Attending Degree-Granting Institutions

The Smart Option Student Loan® for Salem Five by Sallie Mae® is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

  • No origination fee and no prepayment penalty
  • Great repayment options
  • Competitive rates and more

Personal Credit Card

Benefits and Features

No matter which card you choose, you'll enjoy important features like EMV smart chip technology, mobile purchasing, and more.

  • A range of cards and benefits
  • 24/7 account access
  • Account alerts and balance transfers

Pay a Loan

Salem Five's Online Loan Payments is an electronic loan processing system which allows you to make a one-time loan payment to your Salem Five loan via our secure website on a desktop computer, tablet or mobile device.




We’ve been with national banks. We get the whole globalization thing. But we like that we can walk to our bank. It’s like a throwback. When we need something, we know who to call.

Mark Provost, Hamilton

Thomas Toland, NMLS Unique ID #415026  |  Ryan Brosnahan, NMLS Unique ID #1535085
Salem Five Cents Savings Bank NMLS ID #407901

Information relative to mortgage loan originators can be found on the NMLS Consumer Access Website at: