APY = Annual Percentage Yield. Rates and APYs accurate as of March 5, 2022.
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 - $25,000 | 1.99% | 2.00% |
$25,000+ | 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 ** |
---|---|---|---|---|
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** |
*Maximum age of used vehicle/motorcycle: 5 years old
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 240 | $250,000 | 11.49% | $10.72 |
2021 or 2022 | up to 60 | $250,000 | 7.49% | $20.10 |
2020 and older | up to 180 | $250,000 | 11.24% | $11.58 |
2020 and older | up to 120 | $250,000 | 10.99% | $21.84 |
* 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
*Definition of RV/ boat is the current calendar year and the previous calendar year
*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 | 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 |
* 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
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 | APR* |
---|---|---|
20 Year Fixed Conventional | 5.740% | 5.740% |
15 Year Fixed Conventional | 5.240% | 5.240% |
10 Year Fixed Conventional | 4.740% | 4.740% |
5 Year Fixed Conventional | 4.240% | 4.240% |
Fixed Rate Home Equity Loan 90% LTV Learn More
Program | Rate | APR* |
---|---|---|
20 Year Fixed Conventional | 6.490% | 6.490% |
15 Year Fixed Conventional | 5.990% | 5.990% |
10 Year Fixed Conventional | 5.490% | 5.490% |
5 Year Fixed Conventional | 4.990% | 4.990% |
*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 | Points | APR* |
---|---|---|---|
30 Year Fixed Conventional | 5.375% | 0 | 5.503% |
25 Year Fixed Conventional | 5.375% | 0 | 5.521% |
20 Year Fixed Conventional | 5.125% | 0 | 5.296% |
15 Year Fixed Conventional | 5.000% | 0 | 5.217% |
10 Year Fixed Conventional | 5.000% | 0 | 5.310% |
For fixed mortgage loans over $510,400 (also known as “jumbo mortgage") please call us at 781.843.5626
Adjustable Rate Mortgages Learn More
Term | Rate | Points | APR* |
---|---|---|---|
5/1 | 4.875% | 0 | 4.999% |
7/1 | 5.000% | 0 | 5.125% |
10/1 | 5.250% | 0 | 5.377% |
15/1 | 5.375% | 0 | 5.503% |
*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 | 0.30% | 0.30% | 6 |
12 Month Certificate | 0.40% | 0.40% | 12 |
15 Month Certificate | 0.50% | 0.50% | 15 |
18 Month Certificate | 0.55% | 0.55% | 18 |
24 Month Certificate | 0.60% | 0.60% | 24 |
30 Month Certificate | 0.65% | 0.65% | 30 |
36 Month Certificate | 0.70% | 0.70% | 36 |
48 Month Certificate | 0.75% | 0.75% | 48 |
60 Month Certificate | 0.80% | 0.80% | 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 | 0.25% | 0.25% | 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
**$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