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% |
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** |
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
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 | 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% |
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% |
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)