APY = Annual Percentage Yield. Rates and APYs accurate as of August 19, 2019.
Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Kasasa Cash* Learn More
| Balance | Rate | APY |
|---|---|---|
| 0 - $25,000 | 2.47% | 2.50% |
| $25,000+ | 0.25% | 2.50%-0.70% |
| 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 Loans Learn More
| Model Year | Term (in months) | Maximum Amount | APR* as low as | Monthly Payment per $1,000 ** |
|---|---|---|---|---|
| 2018 or 2019 (A)(D) | up to 84 | $60,000 | 4.49% | $13.90** |
| 2018 or 2019 (A)(D) | up to 60 | $60,000 | 2.99% | $17.96** |
| 2015 – 2017 (A) (E) | up to 72 | $60,000 | 5.49% | $16.33** |
| 2015 – 2017 (A) (E) | up to 60 | $60,000 | 4.49% | $18.64** |
Motorcycle, 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 Motorcycle (A)(D) | 2018 or 2019 | up to 84 | $60,000 | 3.99% | $13.66 |
| New Motorcycle (A)(D) | 2018 or 2019 | up to 60 | $60,000 | 1.99% | $17.52 |
| Used Motorcycle (A)(D) | 2017 and older | up to 72 | $60,000 | 4.99% | $16.10 |
| Used Motorcycle (A)(D) | 2017 and older | up to 60 | $60,000 | 3.99% | $18.41 |
| New Boat (A)(D) | 2018 or 2019 | up to 240 | $200,000 | 6.99% | $19.81 |
| New Boat (A)(D) | 2018 or 2019 | up to 60 | $200,000 | 4.99% | $18.87 |
| Used Boat (A)(E) | 2017 and older | up to 180 | $200,000 | 8.74% | $20.64 |
| Used Boat (A)(E) | 2017 and older | up to 60 | $200,000 | 7.49% | $20.03 |
| New RV (A)(D) | 2018 or 2019 | up to 240 | $200,000 | 6.99% | $19.81 |
| New RV (A)(D) | 2018 or 2019 | up to 60 | $200,000 | 4.99% | $18.87 |
| Used RV (A)(F) | 2013-2017 | up to 180 | $200,000 | 8.74% | $20.64 |
| Used RV (A)(F) | 2013-2017 | up to 60 | $200,000 | 7.49% | $20.03 |
* 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 new vehicle, motorcycle, boat is the current calendar year and the previous calendar year
(E) Maximum age of used vehicle/motorcycle/boat: 15 years old
(F) Maximum age of recreational vehicle: 5 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% | $86.98 ** |
| Personal Loan (A) | up to 60 | $15,000 | 12.99% | $22.75 |
| Personal Loan Special (A)(B) | up to 12 | $5,000 | 6.99% | $86.53 ** |
| 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
(B) Maximum loan is based on seasonal loan promotion
Home Equity Line of Credit (HELOC) Learn More
| Loan Type | Program | Rate |
|---|---|---|
| HOT HELOC+ | 10 year draw/20 year repay | 2.99%*** for the first 12 months then 4.75%*** |
| Home Equity Line of Credit ** | 10 year draw/20 year repay | 5.250%*** |
** Variable rate based on Wall Street Journal’s Prime Rate Index. As of August 1, 2019, the Prime Rate is 5.250%.
+Only available for a limited time. Minimum of $15,000, Maximum of $250,000 with a minimum $15,000 draw. Introductory rate of 2.99% APR for the first 12 months. After 12 months, a rate of the current Prime Rate minus .50% for the remaining term.
*** APR is Annual Percentage Rate. Rates are based upon your personal credit history. Your rate may be higher. Maximum rate on Tremont CU’s Home Equity Lines of Credit is 18.000% APR. All rates are subject to change without notice. Contact Tremont CU for more info.
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 | 3.625% | 30 | 0 | 5% | 3.741% | $4.56 |
| 20 Year Fixed Conventional | 3.500% | 20 | 0 | 5% | 3.661% | $5.80 |
| 15 Year Fixed Conventional | 3.250% | 15 | 0 | 5% | 3.456% | $7.03 |
| 10 Year Fixed Conventional | 2.875% | 10 | 0 | 5% | 3.173% | $9.60 |
Adjustable Rate Mortgages Learn More
| Term | Rate | APR* | Monthly Payment per $1,000** |
|---|---|---|---|
| 5/1 ARM | 3.375% | 3.489% | $4.42 |
| 7/1 ARM | 3.500% | 3.615% | $4.49 |
| 10/1 ARM | 3.625% | 3.741% | $4.56 |
| 15/1 ARM | 3.750% | 3.866% | $4.63 |
*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
Savings Learn More
| Savings | Dividend Rate | APY* | Term |
|---|---|---|---|
| Money Management** <= $24,999.99 | 0.75% | 0.75% | n/a |
| Money Management** >= $25,000.00 | 0.99% | 1.00% | 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
Certificates of Deposit (CDs) Learn More
| Certificates of Deposit | Dividend Rate | APY* | Term |
|---|---|---|---|
| 6 Month Certificate | 1.50% | 1.51% | 6 |
| 12 Month Certificate | 1.80% | 1.81% | 12 |
| 18 Month Certificate | 1.90% | 1.91% | 18 |
| 24 Month Certificate | 2.00% | 2.01% | 24 |
| 36 Month Certificate | 2.15% | 2.17% | 36 |
| 48 Month Certificate | 2.25% | 2.27% | 48 |
| 60 Month Certificate | 2.50% | 2.52% | 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