Rates


Consumer Loans                     APPLY NOW

Effective as of: April 4, 2017

Loan TypeTerm (in months)Maximum AmountAPR* as low asMonthly Payment per $1,000 **
New Vehicles (A) (D)up to 84$60,0004.49%$13.90 **
Used Vehicles (A) (E)up to 72$60,0006.49%$19.62 **
New Motorcycle (A) (D)up to 84$60,0004.49%$13.90 **
Used Motorcycle (A) (E)up to 72$60,0006.49%$19.62 **
Boat (A) (D) (E) up to 72$60,0004.50%$15.87 **
Recreational Vehicle (A) (D) (F)up to 72$60,0006.50%$16.81 **
Personal Loan (A)up to 60$15,0008.99%$20.76 **
Seasonal Loan Specials (A) (B)12$5,0007.99%$87.00 **
Visa Credit Card (C)n/a$15,00014.90%n/a
Visa Securedn/a$15,00011.95%n/a
Share Secured60$100,000Collateral plus 4%n/a
Certificate Secured60$100,000Collateral plus 4%n/a

* APR is Annual Percentage Rate. Rate and term are dependent on credit qualifications and repayment method. 
** This sample payment is based on the maximum term available and the listed APR
(A) Rate includes an automatic repayment plan such as payroll deduction or automatic payment; otherwise add an additional 0.50% to the listed APR
(B) Maximum loan is based on seasonal loan promotion
(C) Rates include an automatic repayment plan such as payroll deduction or automatic payment; otherwise add an additional 1.00% to the listed interest rate
(D) Definition of new vehicle, motorcycle, boat is the current calendar year and the previous calendar year
(E) Maximum age of used vehicle/motorcycle/boat: 10 years old
(F) Maximum age of recreational vehicle: 5 years old

Home Equity Real Estate Loans    APPLY NOW

Home Equity Line of Credit **10 year draw/20 year payback4.00%***n/a

NMLS number 789578- Please Contact your TCU Lending Department at 781-843-5626 (option 2)
** Variable rate based on Wall Street Journal’s Prime Rate Index. As of March 20, 2017, the Prime Rate is 4.00%
*** APR is Annual Percentage Rate. Rates are based upon your personal credit history. Your rate may be higher. All rates are subject to change without notice. Contact Tremont CU for more info.

Mortgages                     APPLY NOW

Effective as of: March 28, 2017

ProgramRateTermPointsDown PaymentAPR*Monthly Payment per $1,000 **
30 Year Fixed Conventional4.2503005%4.370%$4.92
20 Year Fixed Conventional4.0002005%4.164%$6.06
15 Year Fixed Conventional3.5001505%3.708%$7.15
10 Year Fixed Conventional3.2501005%3.550%$9.77
Investment4.75025025%4.926%$5.22

Adjustable Rate Mortgages                     APPLY NOW

 

TermRateAPR*Monthly Payment per $1,000**
3/1 ARM3.000%3.573%$4.22
5/1 ARM3.250%3.826%$4.35
7/1 ARM3.490%4.107%$4.48
10/1 ARM3.750%4.981%$4.63

*APR – Annual Percentage Rate based on loan amount of $100,000.00. All rates are subject to change at anytime.

** This sample payment is based on the maximum term available and the listed APR

NMLS number 789578

Savings

Effective as of: April 1, 2017

SavingsDividend RateAPY*Term
Money Management** >$2,500.00 < $24,999.990.20%0.20%n/a
Money Management** >$24,999.99 <$1,200,000.010.25%0.25%n/a
Regular Savings***0.10%0.10%n/a
Checking Account0.00%0.00%n/a
Christmas Club0.15%0.15%n/a
Vacation Club0.15%0.15%n/a
IRA Variable***0.25%0.25%n/a

*APY= Annual Percentage Yield
**$2,500.00 Minimum Balance to open / obtain the APY for Money Management Accounts
***$30.00 Minimum Balance to open / obtain the APY for Regular Savings Accounts
Rates are subject to change
Fees may reduce earnings

Certificates

Effective as of: April 5, 2017

CertificatesDividend RateAPY*Term
3 Month Certificate0.25%0.25%3
6 Month Certificate0.50%0.50%6
9 Month Certificate0.60%0.60%9
12 Month Certificate0.70%0.70%12
15 Month Certificate0.85%0.85%15
18 Month Certificate0.95%0.95%18
24 Month Certificate1.10%1.11%24
30 Month Certificate1.25%1.26%30
36 Month Certificate1.40%1.41%36
48 Month Certificate1.70%1.71%48
60 Month Certificate2.00%2.02%60

*APY= Annual Percentage Yield
$500.00 Minimum balance to open / obtain the APY
A penalty may be imposed for early withdrawal of certificates
Rates are subject to change

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