Savings | Certificate | Loans
Current Rates effective as of February 1, 2012
Savings Account Rates
| Account |
Minimum Balance to Earn
the Advertised APY*
|
Dividend Rate |
APY* |
| Savings |
$25.00 |
0.35% |
0.35% |
| Secondary Shares |
$0 |
0.35% |
0.35% |
| IRA Shares |
$10.00 |
0.35% |
0.35% |
| Checking |
$0 |
0.10% |
0.10% |
| Christmas Club |
$0 |
0.35% |
0.35% |
| Vacation Club |
$0 |
0.35% |
0.35% |
| R.E. Tax Escrow |
$0 |
0.35% |
0.35% |
| Money Market |
$25.00 to $2,499.99
|
0.35% |
0.35% |
| |
$2,500.00 to 24,999.99
|
0.40% |
0.40% |
| |
$25,000.00 to $49,999.99
|
0.50%
|
0.50% |
| |
$50,000.00 to $99,999.99
|
0.60% |
0.60% |
| |
$100,000.00 and Over
|
0.75% |
0.75% |
*APY = Annual Percentage Yield
All of the accounts listed above are variable rate accounts meaning that the rate paid is subject to change after the account is opened. The minimum balance is the amount required to open and maintain an account. Interest/Dividends are paid at the stated rates on any amount on deposit according to the dividend calculation rules in the account disclosure. Fees may reduce earnings.
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Certificate Specials
| Certificate |
Minimum Balance to Earn
the Advertised APY*
|
Dividend Rate |
APY* |
| Nine Month |
$1000.00 |
0.75% |
0.75% |
| Fifteen Month |
$1000.00 |
1.00% |
1.00% |
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Certificate Rates
| Certificate |
Minimum Balance to Earn
the Advertised APY*
|
Dividend Rate |
APY* |
| Ninety-one Day |
$5000.00 |
0.35% |
0.35% |
| Six Month |
$1000.00 |
0.45% |
0.45% |
| One Year |
$1000.00 |
0.65% |
0.65% |
| Eighteen Month |
$1000.00 |
0.85% |
0.85% |
| Two Year |
$1000.00 |
1.01% |
1.02% |
| Three Year |
$1000.00 |
1.09% |
1.10% |
| Four Year |
$1000.00 |
1.29% |
1.30% |
| Five Year |
$1000.00 |
1.54% |
1.55% |
A penalty may be imposed for early withdrawal. All Certificate's pay dividends monthly. The minimum balance is the amount required to open and maintain an account. Interest/Dividends are paid at the stated rates on any amount on deposit according to dividend calculation rules in the account disclosure. Fees may reduce earnings.
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Loan Rates
| Type |
Term |
APR* |
Estimated Monthly Payment per $1000
|
|
| Personal |
Up to 48 mos. |
11.50% |
$26.09 |
Calculator |
| New Auto (2010, 2011, and 2012)** |
Up to 24 mos. |
2.50% |
$42.76 |
Calculator |
| |
36 mos. |
2.75% |
$28.97 |
Calculator |
| |
60 mos. |
2.99% |
$17.96 |
Calculator |
| |
72 mos. |
3.95% |
$15.62 |
Calculator |
| Used Auto ** |
Up to 48 mos. |
4.95% |
$23.01 |
Calculator |
| |
60 mos. |
5.50% |
$19.10 |
Calculator |
| |
72 mos. |
5.75% |
$16.46 |
Calculator |
| Recreational Vehicle ** |
180 mos. |
7.85% |
$9.47 |
Calculator |
| New Motorcycle ** |
Up to 60 mos. |
5.50% |
$19.10 |
Calculator |
| Used Motorcycle ** |
Up to 60 mos. |
6.50% |
$19.57 |
Calculator |
| New Boat ** |
Up to 180 mos. |
7.85% |
$9.47 |
Calculator |
| Used Boat ** |
Up to 180 mos. |
8.75% |
$9.99 |
Calculator |
| Home Improvement |
Up to 240 mos. |
5.95% |
$7.14 |
Calculator |
| Share Secured Installment |
Up to 5 years |
3.00% above savings rate |
$18.19 |
Calculator |
| Certificate Share Secured |
Up to Maturity |
3.00% above CD rate |
$18.88 |
Calculator |
| For Real Estate Loan rates, please contact the credit union office at 617-232-9410 |
|
*APR = Annual Percentage Rate
** 100% financing based on the NADA value or the purchase price whichever is less
Loan Rates currently in effect are subject to change at any time. Loan applicants must be at least 18 years old to apply.
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