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Rates as of 10/28/25
Deposit Rates
Savings Learn More
| Savings | Dividend Rate | APY* | Term |
|---|---|---|---|
| Money Management $2500 - $24,999.99 | 0.99% | 1.00% | n/a |
| Money Management $25,000.00 - $74,999.99 | 1.98% | 2.00% | n/a |
| Money Management $75,000.00 - $149,999.99 | 2.95% | 3.00% | n/a |
| Money Management $150,000 or more | 3.44% | 3.50% | 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 |
|---|---|---|---|
| 3 Month Certificate | 0.25% | 0.25% | 3 |
| 6 Month Certificate | 3.99% | 4.05% | 6 |
| 9 Month Certificate | 0.80% | 0.80% | 9 |
| 12 Month Certificate | 2.75% | 2.78% | 12 |
| 13 Month Certificate | 3.94% | 4.00% | 13 |
| 15 Month Certificate | 3.75% | 3.80% | 15 |
| 18 Month Certificate | 3.69% | 3.75% | 18 |
| 24 Month Certificate | 3.65% | 3.70% | 24 |
| 30 Month Certificate | 3.00% | 3.03% | 30 |
| 36 Month Certificate | 3.25% | 3.29% | 36 |
| 48 Month Certificate | 3.21% | 3.25% | 48 |
| 60 Month Certificate | 3.36% | 3.40% | 60 |
*APY= Annual Percentage Yield
Kasasa Cash* Learn More
| Balance | Dividend Rate | APY* |
|---|---|---|
| 0 - $25,000 | 1.99% | 2.00% |
| $25,000+ | 1.98% - 0.83% | 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 | 1.00% | 1.00% |
| $25,000+ | 1.00% - 0.40% | 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 Product offerings may be withdrawn at any time.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 (2024-2025 Model Years) Learn More
| TERM (MONTHS) | APR* (AS LOW AS) | PAYMENT PER THOUSAND |
|---|---|---|
| 6 to 60 | 5.99% | $19.39 |
| 61 to 72 | 6.24% | $16.74 |
| 73 to 84 | 7.24% | $15.27 |
Auto and Motorcycle Loans (2021-2023 Model Years) Learn More
| TERM (MONTHS) | APR* (AS LOW AS) | PAYMENT PER THOUSAND |
|---|---|---|
| 6 to 60 | 7.49% | $20.10 |
| 61 to 72 | 8.49% | $17.84 |
Auto and Motorcycle Loans (2020 Model Year) Learn More
| TERM (MONTHS) | APR* (AS LOW AS) | PAYMENT PER THOUSAND |
|---|---|---|
| 6 to 60 | 9.49% | $21.09 |
Boat and RV Loans Learn More
| TERM (MONTHS) | APR* (AS LOW AS) | PAYMENT PER THOUSAND |
|---|---|---|
| 6 to 60 | 9.99% | $21.34 |
| 61 to 120 | 12.49% | $14.17 |
| 121 to 180 | 13.74% | $13.23 |
| 181 to 240 | 13.99% | $12.51 |
Consumer Loans
Personal Loans Learn More
| TERMS (MONTHS) | APR* (AS LOW AS) | PAYMENT PER THOUSAND |
|---|---|---|
| 6 to 24 | 8.99% | $45.86 |
| 25 to 36 | 9.99% | $32.41 |
| 25 to 48 | 11.99% | $26.47 |
| 49 to 60 | 13.99% | $23.41 |
Holiday Loan
| TERM (MONTHS) | APR* | PAYMENT PER THOUSAND |
|---|---|---|
| 6 to 12 | 8.99% | $87.45 |
Vacation Loan Learn More
| TERM (MONTHS) | APR* | PAYMENT PER THOUSAND |
|---|---|---|
| 6 to 12 | 8.99% | $87.45 |
Mass Save HEAT Loan Learn More
| TERM (MONTHS) | APR* (AS LOW AS) | PAYMENT PER THOUSAND |
|---|---|---|
| 12 to 84 | 0% | $11.90 |
Shared/Certificate Secured Learn More
| TERM (MONTHS) | APR* (AS LOW AS) |
PAYMENT PER THOUSAND |
|---|---|---|
| 6 to 60 | Collateral + 4.00% | N/A |
* APR is Annual Percentage Rate. Rate and term are dependent on credit qualifications and repayment method.
Personal Loans: Maximum loan amount of $15,000
Shared/Certificate Loans: Maximum loan amount of $100,000
Holiday Loans: Maximum loan amount of $5,000
Vacation Loans: Maximum loan amount of $5,000
Mass Save HEAT Loans: Maximum loan amount of $50,000
Mortgage Loans
Mortgages Learn More
| Program | Rate | APR* | Points | Payment Per $1,000 |
|---|---|---|---|---|
| 30 Year Fixed Conventional* | 6.250% | 6.491% | 0.000% | $6.16 |
| 15 Year Fixed Conventional** | 5.625% | 6.018% | 0.000% | $8.24 |
| 10 Year Fixed Conventional*** | 5.500% | 6.057% | 0.000% | $10.85 |
Important Loan Information
Programs, rates, terms, and conditions are subject to change without notice. These rates are for a purchase transaction and assume an 80% LTV, a 740 credit score, zero points paid, closing costs of $5,000 and a loan amount of $200,000. Rates are not guaranteed; your actual rate may vary based on your unique credit history, loan purpose, and other variable market conditions.
Not all applicants will qualify, and all loans are subject to underwriting approval. Additional fees may apply.
*A 30-year fixed rate of 6.25% has a payment per thousand of $6.16.
**A 15-year fixed rate of 5.625% has a payment per thousand of $8.24.
***A 10-year fixed rate of 5.50% has a payment per thousand of $10.85.
The payment amounts listed do not include taxes and insurance; therefore, your actual payment obligation may be higher.
Tremont Credit Union membership is required, and members must open and maintain a deposit account with a deposit balance of $5.00. As a credit union, we lend within a limited area; please consult your Loan Officer to confirm whether your loan meets membership requirements.
Not all applicants will qualify, and all loans are subject to underwriting approval. Additional fees may apply.
Tremont Credit Union acts as a loan broker in some cases. Tremont Credit Union may or may not be the lender of record or loan servicer for a loan.
Adjustable Rate Mortgages Learn More
| Term | Rate | APR* | Points | Payment Per $1,000 |
|---|---|---|---|---|
| 5/6* | 5.750% | 5.984% | 0.000% | $5.84 |
| 10/6** | 5.990% | 6.228% | 0.000% | $5.99 |
*5/6 Adjustable Rate Mortgage - Important Loan Information
Programs, rates, terms, and conditions are subject to change without notice. These rates are for a purchase transaction and assume an 80% LTV, a 740 credit score, zero points paid, closing costs of $5,000 and a loan amount of $200,000. Rates are not guaranteed; your actual rate may vary based on your unique credit history, loan purpose, and other variable market conditions.
Not all applicants will qualify, and all loans are subject to underwriting approval. Additional fees may apply
The 5/6 ARM is an adjustable-rate mortgage. The initial rate is fixed for 5 years and then adjusts every six months thereafter by adding 2.75% to the index (the 1year SOFR). This rate is a discounted rate and will increase in the future.
Your initial rate of 5.75% has a payment per thousand of $5.84 and will remain fixed for the first five years of your loan. In year six it would adjust to 6.38% and remain at 6.38% for the remainder of the loan if nothing changes. A rate 6.38% of has a payment per thousand of $6.24. These payments do not include property taxes or homeowners insurance so your payment will be higher.
Tremont Credit Union membership is required, and members must open and maintain a deposit account with a deposit balance of $5.00. As a credit union, we lend within a limited area; please consult your Loan Officer to confirm whether your loan meets membership requirements.
Tremont Credit Union acts as a loan broker in some cases. Tremont Credit Union may or may not be the lender of record or loan servicer for a loan.
**10/6 Adjustable Rate Mortgage - Important Loan Information
Programs, rates, terms, and conditions are subject to change without notice. These rates are for a purchase transaction and assume an 80% LTV, a 740 credit score, zero points paid, closing costs of $5,00 and a loan amount of $200,000. Rates are not guaranteed; your actual rate may vary based on your unique credit history, loan purpose, and other variable market conditions.
Not all applicants will qualify, and all loans are subject to underwriting approval. Additional fees may apply.
The 10/6 ARM is an adjustable-rate mortgage. The initial rate is fixed for 10 years and then adjusts every six months thereafter by adding 2.75% to the index (the 1year SOFR). This rate is a discounted rate and will increase in the future. Your initial rate of 5.99% has a payment thousand of $5.99 and will remain fixed for the first ten years of your loan. If everything remains the same in year ten this rate would adjust to 6.38% and remain at 6.38% for the remainder of the loan if nothing changes. A rate of 6.38% has a payment per thousand of $6.24. These payments do not include property taxes or homeowners insurance so your payment will be higher.
Tremont Credit Union membership is required, and members must open and maintain a membership account with a minimum deposit of $5.00. As a credit union, we lend within a limited area; please consult your Loan Officer to confirm whether your loan meets membership requirements.
Tremont Credit Union acts as a loan broker in some cases. Tremont Credit Union may or may not be the lender of record or loan servicer for a loan.
Home Equity Line of Credit (HELOC) Learn More
| Loan Type | Program | Rate |
|---|---|---|
| HELOC | HOT HELOC | Introductory Rate of 3.490% for the first 6 months then, Prime minus 0.50% (currently 7.25%) thereafter. Requires a minimum mid Fico Score of 720, with a TCU checking account with automatic payment withdrawals. |
Variable rate based on Wall Street Journal’s Prime Rate Index. As of September 30, 2025 the Prime Rate is 7.25%. Minimum $25,000 line amount and $15,000 minimum draw required. 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. An early termination fee of $500 applies for lines closed within thirty-six (36) months from date of closing. Interest only payments for initial 10 years, with an 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. For properties held in trust, a trust review fee may apply (range from $125 to $275).
Members with a FICO score equal or greater than 720, with automatic payment withdrawals from the TCU checking account will receive the introductory rate of 3.49% 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 7.25% APR) less 0.50%, with a floor rate of 5.00%. Rate offer is only available once per property address, per household. Therefore, the HOT HELOC is not eligible for subsequent 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.
Not all applicants will qualify, and all loans are subject to underwriting approval. Additional fees may apply.
Fixed Rate Home Equity Loan 80% LTV Learn More
| Program | Rate | APR* | Payment Per $1,000** |
|---|---|---|---|
| 20 Year Fixed Conventional | 7.990% | 7.990% | $8.36 |
| 15 Year Fixed Conventional | 7.750% | 7.750% | $9.41 |
| 10 Year Fixed Conventional | 7.500% | 7.500% | $11.87 |
| 5 Year Fixed Conventional | 7.250% | 7.250% | $19.92 |
*APR: Annual Percentage Rate. Posted APRs are calculated assuming maximum 80% LTV minus any first mortgage balance. Property must be an owner occupied 1-4 family or property located in Massachusetts or within 100 miles of the Milton 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. Maximum loan amount of $250,000.
Not all applicants will qualify, and all loans are subject to underwriting approval. Additional fees may apply.