Rates


Auto Loans                     APPLY NOW

Effective as of: December 1, 2017

Model YearTerm (in months)Maximum AmountAPR* as low asMonthly Payment per $1,000 **
2017 or 2018 (A)(D)up to 84$60,0003.99%$13.66 **
2017 or 2018 (A)(D)up to 60$60,0001.99%$17.52 **
2016 and older (A) (E)up to 72$60,0004.99%$16.10 **
2016 and older (A) (E)up to 60$60,0003.99%$18.41 **

* 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
(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: 15 years old

Motorcycle, Boat, and RV Loans                     APPLY NOW

Effective as of: December 1, 2017

Loan TypeModel YearTerm (in months)Maximum AmountAPR* as low asMonthly Payment per $1,000 **
New Motorcycle (A)(D)2017 or 2018up to 84$60,0003.99%$13.66
New Motorcycle (A)(D)2017 or 2018up to 60$60,0001.99%$17.52
Used Motorcycle (A)(D)2016 and olderup to 72$60,0004.99%$16.10
Used Motorcycle (A)(D)2016 and olderup to 60$60,0003.99%$18.41
New Boat (A)(D)2017 or 2018up to 240$200,0006.99%$19.81
New Boat (A)(D)2017 or 2018up to 60$200,0004.99%$18.87
Used Boat (A)(E)2016 and olderup to 180$200,0008.74%$20.64
Used Boat (A)(E)2016 and olderup to 60$200,0007.49%$20.03
New RV (A)(D)2017 or 2018up to 240$200,0006.99%$19.81
New RV (A)(D)2017 or 2018up to 60$200,0004.99%$18.87
Used RV (A)(F)2012-2016up to 180$200,0008.74%$20.64
Used RV (A)(F)2012-2016up to 60$200,0007.49%$20.03

* 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
(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: 15 years old

(F) Maximum age of recreational vehicle: 5 years old

Personal Loans                     APPLY NOW

Effective as of: July 1, 2017

Loan TypeTerm (in months)Maximum AmountAPR* as low asMonthly Payment per $1,000 **
Personal Loan (A)up to 12$15,0007.99%$86.98 **
Personal Loan (A)up to 60$15,00012.99%$22.75
Personal Loan Special (A)(B)up to 12$5,0006.99%$86.53 **
Share Securedup to 60$100,000Collateral plus 4%N/A
Certificate Securedup to 60$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

Home Equity Real Estate Loans    APPLY NOW

Effective as of: May 17, 2018

Home Equity Line of Credit (HELOC)

Home Equity Line of Credit **10 year draw/20 year payback4.75%***n/a

** Variable rate based on Wall Street Journal’s Prime Rate Index. As of March 22, 2018, the Prime Rate is 4.75%. 
*** APR is Annual Percentage Rate. Rates are based upon your personal credit history. Your rate may be higher. Maximum rate on Tremont CU’s Home Equity Lines of Credit is 18.000% APR.  All rates are subject to change without notice. Contact Tremont CU for more info.

Fixed Rate Home Equity Loan 80% LTV

ProgramRateTermAPR*Monthly Payment per $1,000 **
20 Year Fixed Conventional4.990204.990%$6.60
15 Year Fixed Conventional4.490154.490%$7.64
10 Year Fixed Conventional4.240104.240%$10.24
5 Year Fixed Conventional4.00054.000%$18.42

Fixed Rate Home Equity Loan 90% LTV

ProgramRateTermAPR*Monthly Payment per $1,000 **
20 Year Fixed Conventional5.990205.990%$7.16
15 Year Fixed Conventional5.490155.490%$8.17
10 Year Fixed Conventional5.240105.240%$10.72
5 Year Fixed Conventional4.99054.990%$18.87

*APR: Annual Percentage Rate. Posted APRs are calculated assuming maximum 80% or 90 % LTV minus any first mortgage balance and credit score of 720 or better. Property must be an owner occupied 1-4 family or single-family vacation property located in Massachusetts or within 100 miles of the Longwood branch. Property insurance is required. Rates and APRs may change at any time and vary according to the property and loan characteristics. Approval subject to Tremont lending criteria and Tremont membership eligibility. Pricing adjustments may apply based upon credit score, CLTV, debt ratios and the loan characteristics.

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

 

NMLS number 789578- To apply, please contact the TCU Lending Department at 781-843-5626 (option 2)

Mortgages                     APPLY NOW

Effective as of: May 17, 2018

ProgramRateTermPointsDown PaymentAPR*Monthly Payment per $1,000 **
30 Year Fixed Conventional4.7503005%4.874%$5.22
20 Year Fixed Conventional4.5002005%4.667%$6.33
15 Year Fixed Conventional4.2501505%4.462%$7.52
10 Year Fixed Conventional4.1251005%4.430%$10.18

Adjustable Rate Mortgages                     APPLY NOW

Effective as of: May 17, 2018

TermRateAPR*Monthly Payment per $1,000**
5/1 ARM3.750%3.866%$4.63
7/1 ARM4.000%4.118%$4.77
10/1 ARM4.125%4.244%$4.85
15/1 ARM4.500%4.622%$5.07

*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. If credit secured by a first lien on a dwelling, the payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.

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 Variable0.25%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 of Deposit (CDs)

Effective as of: April 5, 2017

Certificates of DepositDividend 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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