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Rates as of 1/31/23

Deposit Rates

Savings Learn More

Savings Dividend Rate APY* Term
Money Management <= $24,999.99  0.75% 0.75% n/a
Money Management >= $25,000.00 <$74,999.99  1.00% 1.00% n/a
Money Management >= $75,000.00 1.25% 1.25% n/a
Regular Savings 0.05% 0.05% n/a
Checking Account 0.00% 0.00% n/a
Christmas Club 0.15% 0.15% n/a
Vacation Club 0.15% 0.15% n/a
IRA Variable 0.25% 0.25% n/a

*APY= Annual Percentage Yield

Certificates of Deposit (CD) Learn More

Certificates of Deposit Dividend Rate APY* Term
6 Month Certificate 2.50% 2.52% 6
12 Month Certificate 2.75% 2.78% 12
15 Month Certificate  3.75% 3.80% 15
18 Month Certificate  4.00% 4.06% 18
24 Month Certificate 4.25% 4.32% 24
30 Month Certificate 3.00% 3.03% 30
36 Month Certificate 3.25% 3.29% 36
48 Month Certificate 3.50% 3.55% 48
60 Month Certificate 3.75% 3.80% 60

*APY= Annual Percentage Yield

Kasasa Cash* Learn More

Balance Dividend Rate APY*
0 - $25,000 1.99% 2.00%
$25,000+ 0.25% 2.00%-0.83%
All balances if qualifications not met 0.05% 0.05%

*APY= Annual Percentage Yield

Kasasa Saver* Learn More

Balance Dividend Rate APY*
0 - $25,000 0.99% 1.00%
$25,000+ 0.25% 1.00%-0.40%
All balances if qualifications not met 0.05% 0.05%

*APY= Annual Percentage Yield

*Annual Percentage Yield (APY). Dividend rates and rewards may change after account opening unless otherwise disclosed. Product offerings may be withdrawn at any time. Fees and other conditions may reduce earnings on accounts: ask for details. For other terms and conditions, please refer to account disclosures available at account opening and upon request. A penalty may be imposed for early withdrawals.  Rates subject to change without notice. All rates and terms are available for Savings and IRA Certificates.

 

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Vehicle Loans

Auto and Motorcycle Loans Learn More

Model Year Term (in months) Maximum Amount APR* as low as Monthly Payment per $1,000 **
2022 or 2023 up to 84 $100,000 4.49% $13.93**
2022 or 2023 up to 72 $100,000 3.49% $15.44**
2022 or 2023 up to 60 $100,000 3.24% $18.10**
2019 – 2021 up to 72 $100,000 5.74% $16.49**
2019 – 2021 up to 60 $100,000 4.74% $18.79**
2018 up to 60 $100,000 6.74% $19.74**

Apply Online

Rate and term are dependent on credit qualifications and repayment method.

Boat and RV Loans Learn More

Model Year Term (in months) Maximum Amount APR* as low as Monthly Payment per $1,000 **
2022 or 2023 up to 60 $250,000 7.49% 20.10
2022 or 2023 up to 240 $250,000 11.49% $10.72
2021 and older up to 120 $250,000 10.99% $13.84
2021 and older up to 180 $250,000 11.24% $11.58

*APR is Annual Percentage Rate.

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

 

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Consumer Loans

Personal Loans Learn More

Loan Type Term (in months) Maximum Amount APR* as low as Monthly Payment per $1,000 **
Personal Loan  up to 12 $15,000 8.49% $87.52**
Personal Loan  13 to 24 $15,000 10.49% $46.57**
Personal Loan 
25 to 48 $15,000 11.49% $26.21**
Personal Loan  49 to 60 $15,000 13.49% $23.14**
Share Secured up to 60 $100,000 Collateral plus 4% N/A
Certificate Secured up to 60 $100,000 Collateral plus 4% N/A

Vacation Loan Learn More

Loan Type Term (in months) Maximum Amount APR* as low as Monthly Payment per $1,000**
Vacation Loan up to 12 $5,000 6.99% $87.51

* 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

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Mortgage Loans

Mortgages Learn More

Program Rate APR* Points
30 Year Fixed Conventional* 6.250% 6.385% 0.000%
15 Year Fixed Conventional** 5.875% 6.097% 0.000%
10 Year Fixed Conventional*** 5.875% 6.190% 0.000%

Apply Online

{beginAccordion}

*30 Year Fixed Conventional - Important Loan Information

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $600,000 and an estimated property value of $750,000.  The property is in MA (within 100 miles of the corporate office).  The property is an existing single-family home and will be used as a primary residence.  An escrow (impound) account is required.  The rate lock period is 60 days, and the assumed credit score is 720.

At a 6.250% interest rate, the APR for this loan type is 6.385%.  The monthly payment schedule would be:

  • 359 payments of $3,694.30 at an interest rate of 6.250%
  • 1 payment of $3,697.70 at an interest rate of 6.250%

Minimum payment does not include taxes and homeowner’s insurance and the actual payment may be higher.  If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

**15 Year Fixed Conventional - Important Loan Information

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $600,000 and an estimated property value of $750,000.  The property is in MA (within 100 miles of the corporate office).  The property is an existing single-family home and will be used as a primary residence.  An escrow (impound) account is required.  The rate lock period is 60 days, and the assumed credit score is 720.

At a 5.875% interest rate, the APR for this loan type is 6.097%.  The monthly payment schedule would be:

  • 179 payments of $5,022.71 at an interest rate of 5.875%
  • 1 payment of $5,022.92 at an interest rate of 5.875%

Minimum payment does not include taxes and homeowner’s insurance and the actual payment may be higher.  If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

***10 Year Fixed Conventional - Important Loan Information

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $600,000 and an estimated property value of $750,000.  The property is in MA (within 100 miles of the corporate office).  The property is an existing single-family home and will be used as a primary residence.  An escrow (impound) account is required.  The rate lock period is 60 days, and the assumed credit score is 720.

At a 5.875% interest rate, the APR for this loan type is 6.190%.  The monthly payment schedule would be:

  • 119 payments of $6,623.63 at an interest rate of 5.875%
  • 1 payment of $6,623.46 at an interest rate of 5.875%

Minimum payment does not include taxes and homeowner’s insurance and the actual payment may be higher.  If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

{endAccordion}

Adjustable Rate Mortgages Learn More

Term Rate APR* Points
5/1*  4.999% 5.124% 0.000%
10/1**  5.749% 5.880% 0.000%

Apply Online

{beginAccordion}

*5/1 Adjustable Rate Mortgage - Important Loan Information

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $600,000 and an estimated property value of $750,000.  The property is in MA (within 100 miles of the corporate office).  The property is an existing single-family home and will be used as a primary residence.  An escrow (impound) account is required.  The rate lock period is 60 days, and the assumed credit score is 720.

At a 4.999% interest rate, the APR for this loan type is 5.124%.  The monthly payment schedule would be:

  • 60 payments of $3,220.56 at an interest rate of 4.999%
  • 12 payment of $3,893.75 at an interest rate of 6.999%
  • 12 payment of $4,603.93 at an interest rate of 8.999%
  • 275 payment of $5,341.98 at an interest rate of 10.999%
  • 1 payment of $5,335.52 at an interest rate of 10.999%

Minimum payment does not include taxes and homeowner’s insurance and the actual payment may be higher.  If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

**10/1 Adjustable Rate Mortgage - Important Loan Information

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $600,000 and an estimated property value of $750,000.  The property is in MA (within 100 miles of the corporate office).  The property is an existing single-family home and will be used as a primary residence.  An escrow (impound) account is required.  The rate lock period is 60 days, and the assumed credit score is 720.

At a 5.749% interest rate, the APR for this loan type is 5.880%.  The monthly payment schedule would be:

  • 120 payments of $3,501.06 at an interest rate of 5.749%
  • 12 payment of $4,093.82 at an interest rate of 7.749%
  • 12 payment of $4,707.34 at an interest rate of 9.749%
  • 215 payment of $5,335.38 at an interest rate of 11.749%
  • 1 payment of $5,334.07 at an interest rate of 11.749%

Minimum payment does not include taxes and homeowner’s insurance and the actual payment may be higher.  If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

{endAccordion}

Home Equity Line of Credit (HELOC) Learn More

Loan Type Program Rate
HELOC HOT HELOC Introductory Rate of 2.99% for the first 6 months then, Prime minus 0.50% (currently 7.50%) thereafter. Requires a minimum mid Fico Score of 720, with a TCU checking account with automatic payment withdrawals.

If member does not meet about mentioned requirements, The Standard Home Equity Line of Credit may be available. Refer to the disclosure available on the website for details. NMLS ID# 789578

 

Fixed Rate Home Equity Loan 80% LTV Learn More

Program Rate APR* Payment Per $1,000**
20 Year Fixed Conventional 7.125% 7.125% $7.83
15 Year Fixed Conventional 6.875% 6.875% $8.92
10 Year Fixed Conventional 6.625% 6.625% $11.42
5 Year Fixed Conventional 6.375% 6.375% $19.51

Fixed Rate Home Equity Loan 90% LTV Learn More

Program Rate APR* Payment per $1,000**
20 Year Fixed Conventional 8.125% 8.125% $8.44
15 Year Fixed Conventional 7.875% 7.875% $9.48
10 Year Fixed Conventional 7.625% 7.625% $11.94
5 Year Fixed Conventional 7.375% 7.375% $19.98

*APR – Annual Percentage Rate. All rates are subject to change at any time.

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

To apply, please visit our website at www.tremontcu.org or contact our Lending Department at 781-843-5626.

NMLS number 789578

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