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Rates as of 2/25/24

Deposit Rates

Savings Learn More

Savings Dividend Rate APY* Term
Money Management $2500 - $24,999.99  1.73% 1.75% n/a
Money Management $25,000.00 - $74,999.99  2.47% 2.50% n/a
Money Management $75,000.00 - $149,999.99 3.20% 3.25% n/a
Money Management $150,000 or more 3.92% 4.00% 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 5.149% 5.25% 6
12 Month Certificate 2.75% 2.78% 12
13 Month Certificate 4.88% 5.00% 13
15 Month Certificate  3.75% 3.80% 15
18 Month Certificate  3.941% 4.00% 18
24 Month Certificate 3.941% 4.00% 24
30 Month Certificate 3.00% 3.03% 30
36 Month Certificate 3.25% 3.29% 36
48 Month Certificate 3.50% 3.55% 48
60 Month Certificate 3.75% 3.80% 60

*APY= Annual Percentage Yield

Kasasa Cash* Learn More

Balance Dividend 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%

*APY= Annual Percentage Yield

Kasasa Saver* Learn More

Balance Dividend 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%

*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 Product offerings may be withdrawn at any time.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 (2023-2024 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

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Auto and Motorcycle Loans (2020-2022 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

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Auto and Motorcycle Loans (2019 Model Year) Learn More

TERM (MONTHS) APR* (AS LOW AS) PAYMENT PER THOUSAND
6 to 60 9.49% $21.09

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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

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Consumer Loans

Personal Loans Learn More

TERM (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

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Vacation (Holiday) Loan Learn More

TERM (MONTHS) APR* (AS LOW AS) PAYMENT PER THOUSAND
6 to 12 7.99% $87.28

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Mass Save HEAT Loan Learn More

TERM (MONTHS) APR* (AS LOW AS) PAYMENT PER THOUSAND
12 to 84 0% $11.90

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Shared/Certificate Secured Learn More

TERM (MONTHS) APR* (AS LOW AS)

PAYMENT PER THOUSAND

6 to 60 Collateral + 4.00% N/A

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* 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

Vacation Loans: Maximum loan amount of $5,000

Mass Save HEAT Loans: Maximum loan amount of $50,000

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Mortgage Loans

Mortgages Learn More

Program Rate APR* Points
30 Year Fixed Conventional* 6.750% 6.889% 0.000%
15 Year Fixed Conventional** 6.500% 6.726% 0.000%
10 Year Fixed Conventional*** 6.500% 6.818% 0.000%

Apply Online

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*30 Year Fixed Conventional - Important Loan Information

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $450,000 and an estimated property value of $750,000. The property is in MA (within 100 miles of the corporate office). The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days, and the assumed credit score is 699.

At a 6.750% interest rate, the APR for this loan type is 6.814%. The monthly payment schedule would be:

  • 359 payments of $2,918.69 at an interest rate of 6.750%

  • 1 payment of $2,920.67 at an interest rate of 6.750%

Minimum payment does not include taxes and homeowner’s insurance and the actual payment may be higher. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

**15 Year Fixed Conventional - Important Loan Information

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $450,000 and an estimated property value of $750,000. The property is in MA (within 100 miles of the corporate office). The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days, and the assumed credit score is 699.

At a 6.500% interest rate, the APR for this loan type is 6.6.603%. The monthly payment schedule would be:

  • 179 payments of $3,919.98 at an interest rate of 6.500%

  • 1 payment of $3,920.90 at an interest rate of 6.500%

Minimum payment does not include taxes and homeowner’s insurance and the actual payment may be higher. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

***10 Year Fixed Conventional - Important Loan Information

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $450,000 and an estimated property value of $750,000. The property is in MA (within 100 miles of the corporate office). The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days, and the assumed credit score is 699.

At a 6.500% interest rate, the APR for this loan type is 6.644%. The monthly payment schedule would be:

  • 119 payments of $5,109.66 at an interest rate of 6.500%

  • 1 payment of $5,109.51 at an interest rate of 6.500%

Minimum payment does not include taxes and homeowner’s insurance and the actual payment may be higher. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

{endAccordion}

Adjustable Rate Mortgages Learn More

Term Rate APR* Points
5/6*  6.500% 6.637% 0.000%
10/6**  7.250% 7.394% 0.000%

Apply Online

{beginAccordion}

*5/6 Adjustable Rate Mortgage - Important Loan Information

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $450,000 and an estimated property value of $750,000. The property is in MA (within 100 miles of the corporate office). The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days, and the assumed credit score is 699.

At a 6.500% interest rate, the APR for this loan type is 6.385%. The monthly payment schedule would be:

  • 60 payments of $2,844.31 at an interest rate of 6.500%

  • 299 payments of $3,275.86 at an interest rate of 8.086%

  • 1 payment of $3,279.63 at an interest rate of 8.086%

Minimum payment does not include taxes and homeowner’s insurance and the actual payment may be higher. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

**10/6 Adjustable Rate Mortgage - Important Loan Information

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $450,000 and an estimated property value of $750,000. The property is in MA (within 100 miles of the corporate office). The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days, and the assumed credit score is 699.

At a 7.250% interest rate, the APR for this loan type is 7.584%. The monthly payment schedule would be:

  • 120 payments of $3,069.49 at an interest rate of 7.250%

  • 239 payments of $3,269.53 at an interest rate of 8.086%

  • 1 payment of $3,268.87 at an interest rate of 8.086%

Minimum payment does not include taxes and homeowner’s insurance and the actual payment may be higher. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

{endAccordion}

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 8.50%) thereafter. Requires a minimum mid Fico Score of 720, with a TCU checking account with automatic payment withdrawals.

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* Payment Per $1,000**
20 Year Fixed Conventional 8.000% 8.000% $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
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