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APY = Annual Percentage Yield. Rates and APYs accurate as of August 29, 2022.

Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings.

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Deposit Rates

Savings Learn More

Savings Dividend Rate APY* Term
Money Management** <= $24,999.99  0.25% 0.25% n/a
Money Management** >= $25,000.00 <$74,999.99  0.50% 0.50% n/a
Money Management** >= $75,000.00 0.75% 0.75% 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 0.75% 0.75% 6
12 Month Certificate 1.00% 1.00% 12
24 Month Certificate 2.00% 2.02% 24
30 Month Certificate 2.25% 2.27% 30
36 Month Certificate 2.50% 2.52% 36
48 Month Certificate 2.75% 2.78% 48
60 Month Certificate 3.00% 3.03% 60

Kasasa Cash* Learn More

Balance 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%

Kasasa Saver* Learn More

Balance 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%
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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 **
2021 or 2022 up to 84 $100,000 3.99% $13.69**
2021 or 2022 up to 72 $100,000 2.99% $15.21**
2021 or 2022 up to 60 $100,000 2.49% $17.77**
2018 – 2020 up to 72 $100,000 4.99% $16.14**
2018 – 2020 up to 60 $100,000 3.99% $18.45**
2017 up to 60 $100,000 5.99% $19.39**

Apply Online

Boat and RV Loans Learn More

Model Year Term (in months) Maximum Amount APR* as low as Monthly Payment per $1,000 **
2021 or 2022 up to 60 $250,000 7.49% 20.10
2021 or 2022 up to 240 $250,000 11.49% $10.72
2020 and older up to 120 $250,000 10.99% $13.84
2020 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 Points APR*
30 Year Fixed Conventional 6.250% 0 6.385%
25 Year Fixed Conventional 6.250% 0 6.402%
20 Year Fixed Conventional 6.000% 0 6.177%
15 Year Fixed Conventional 5.875% 0 6.097%
10 Year Fixed Conventional 5.875% 0 6.190%

Apply Online

Adjustable Rate Mortgages Learn More

Term Rate Points APR*
5/1  4.750% 0 4.874%
7/1 5.000% 0 5.125%
10/1  5.250% 0 5.377%
15/1  5.500% 0 5.629%

Apply Online

Home Equity Line of Credit (HELOC)* Learn More

Loan Type Program Rate
HELOC HOT HELOC **2.99% for the first 6 months then, Prime plus 0.25% thereafter

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*
20 Year Fixed Conventional 6.750% 6.750%
15 Year Fixed Conventional 6.500% 6.500%
10 Year Fixed Conventional 6.250% 6.250%
5 Year Fixed Conventional 6.000% 6.000%

Fixed Rate Home Equity Loan 90% LTV Learn More

Program Rate APR*
20 Year Fixed Conventional 7.750% 7.750%
15 Year Fixed Conventional 7.500% 7.500%
10 Year Fixed Conventional 7.250% 7.250%
5 Year Fixed Conventional 7.000% 7.000%

*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

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

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