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APY = Annual Percentage Yield. Rates and APYs accurate as of November 25, 2020.

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

Kasasa Cash* Learn More

Balance Rate APY
0 - $50,000 1.99% 2.00%
$50,000+ 0.25% 2.00%-0.83%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:

  • At least 1 Direct Deposit, ACH Credit, or ACH Payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements

And, if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And, you can get right back to earning your full rewards the very next cycle that you qualify.

 

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%

Qualifications

Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 Direct Deposit, ACH Credit, or ACH Payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements

And, if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Kasasa Saver. You can get right back to earning your full rewards the very next cycle that you qualify.

Auto and Motorcycle Loans Learn More

Model Year Term (in months) Maximum Amount APR* as low as Monthly Payment per $1,000 **
2019 or 2020 (A)(D) up to 84 $60,000 3.49% $13.46**
2019 or 2020 (A)(D) up to 72 $60,000 2.49% $14.99**
2019 or 2020 (A)(D) up to 60 $60,000 1.99% $17.54**
2016 – 2018 (A) up to 72 $60,000 4.49% $15.90**
2016 – 2018 (A) up to 60 $60,000 3.49% $18.22**
2015 (A) up to 60 $60,000 5.49% $19.14**

Apply Online

 
* 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 a new vehicle is the current model year or previous model year, and under 7,500 miles
(F) Maximum age of used vehicle/motorcycle: 5 years old

Boat and RV Loans Learn More

Loan Type Model Year Term (in months) Maximum Amount APR* as low as Monthly Payment per $1,000 **
New Boat/ RV (A)(D) 2018 or 2019 up to 240 $200,000 10.99% $10.37
New Boat/ RV (A)(D) 2018 or 2019 up to 60 $200,000 6.99% $19.86
Used Boat/ RV (A)(E) 2017 and older up to 180 $200,000 10.74% $11.26
Used Boat/ RV (A)(E) 2017 and older up to 60 $200,000 10.49% $13.55

* 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 RV/ boat is the current calendar year and the previous calendar year
(E) Maximum age of RV/ boat: 15 years old

 

Personal Loans Learn More

Loan Type Term (in months) Maximum Amount APR* as low as Monthly Payment per $1,000 **
Personal Loan (A) up to 12 $15,000 7.99% $87.01**
Personal Loan (A) 13 to 24 $15,000 9.99% $46.16**
Personal Loan (A)
25 to 48 $15,000 10.99%

$25.85**

Personal Loan (A) 49 to 60 $15,000 12.99% $22.76**
Share Secured up to 60 $100,000 Collateral plus 4% N/A
Certificate Secured up to 60 $100,000 Collateral 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

 

Home Equity Line of Credit (HELOC)* Learn More

Loan Type Program Rate
HELOC HOT HELOC **2.99% for the first 6 months then, Prime minus 0.50% thereafter

* Variable rate based on Wall Street Journal’s Prime Rate Index. As of March 16, 2020, the Prime Rate is 3.250%. 
Minimum $25,000 line amount and $15,000 minimum draw required. $500 early termination fee. A $500 processing fee applies if the minimum draw of $15,000 is not made at closing and does not stay outstanding for 90 days. Interest only payments for initial 10 yrs. With additional 20-year payback of P&I. Maximum LTV 80%. Rate and terms may vary based upon credit history. Not available for homes currently for sale or intended to be sold. Subject to credit approval. 1-4 family, owner occupied primary residences, and condominiums qualify. Property insurance required. Flood insurance may be required. Consult a tax advisor for information regarding the deductibility of interest and charges. Trust review fees range from $125 to $275 apply for properties held in trust.

**Members with a FICO score equal or greater than 720, a TCU checking account, and automatic payment withdrawals from the TCU checking account will receive the 2.99% APR ( Annual Percentage Rate) for the first 6 months following account set up. After the initial rate period, a minimum APR will apply: Prime Rate (currently 3.25% APR) less 0.50%, with a floor rate of initial Prime Rate plus 0.25%. This introductory rate offer is subject to change and is limited to one introductory offer per person and per household and is not eligible for refinancing at the introductory rate.

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 Term APR* Monthly Payment per $1,000 **
20 Year Fixed Conventional 5.490% 20 5.490% $6.87
15 Year Fixed Conventional 5.240% 15 5.240% $8.03
10 Year Fixed Conventional 4.740% 10 4.740% $10.48
5 Year Fixed Conventional 4.240% 5 4.240% $18.53

Fixed Rate Home Equity Loan 90% LTV Learn More

Program Rate Term APR* Monthly Payment per $1,000 **
20 Year Fixed Conventional 6.490% 20 6.490% $7.45
15 Year Fixed Conventional 5.990% 15 5.990% $8.43
10 Year Fixed Conventional 5.490% 10 5.490% $10.85
5 Year Fixed Conventional 4.990% 5 4.990% $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 Tremont Credit Union Lending Department at 781-843-5626 (option 2)

Mortgages Learn More

Program Rate Term Points Down Payment APR* Monthly Payment per $1,000 **
30 Year Fixed Conventional 3.000% 30 0 5% 3.112% $4.22
20 Year Fixed Conventional 2.750% 20 0 5% 2.907% $5.42
15 Year Fixed Conventional 2.500% 15 0 5% 2.702% $6.67
10 Year Fixed Conventional 2.500% 10 0 5% 2.796% $9.43

Apply Online

For fixed mortgage loans over $510,400 (also known as “jumbo mortgage") please call us at 781.843.5626

Some loans and borrowers may be eligible for a 1/8 discount on their loan rates. Call us at 781.843.5626 for more information. 

Adjustable Rate Mortgages Learn More

Term Rate APR* Monthly Payment per $1,000**
5/1 ARM 3.000% 3.112% $4.22
7/1 ARM 3.125% 3.237% $4.28
10/1 ARM 3.125% 3.237% $4.28
15/1 ARM 3.250% 3.363% $4.35

Apply Online

*APR – Annual Percentage Rate based on loan amount of $1,000.00. All rates are subject to change at any time.

** 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

Certificates of Deposit (CD) Learn More

Certificates of Deposit Dividend Rate APY* Term
6 Month Certificate 0.40% 0.40% 6
12 Month Certificate 0.70% 0.70% 12
15 Month Certificate 0.90% 0.90% 15
18 Month Certificate 0.75% 0.75% 18
24 Month Certificate 0.80% 0.80% 24
30 Month Certificate 0.85% 0.85% 30
36 Month Certificate 1.00% 1.00% 36
48 Month Certificate 1.10% 1.10% 48
60 Month Certificate 1.15% 1.15% 60

 

*APY= Annual Percentage Yield. No additional deposits. $500.00 Minimum balance to open/obtain the APY. A penalty may be imposed for early withdrawal of certificates. Rates are subject to change

Savings Learn More

Savings Dividend Rate APY* Term
Money Management** <= $24,999.99  0.15% 0.15% n/a
Money Management** >= $25,000.00  0.35% 0.35% n/a
Regular Savings*** 0.10% 0.10% 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
**$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