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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 Product offerings may be withdrawn at any time.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** |
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
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
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% |
{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% |
{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