Secure the money you need today with a loan from St. Anne’s Credit Union. Whether you're looking to consolidate debt, finance a home improvement, cover unexpected expenses or treat yourself to a new vehicle, we can help. Whatever reason you need to borrow, we have the loan to make your goals possible.
We offer help throughout the home buying and finance process – from improving your credit score, providing pre-qualifications to closing and beyond.
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Unsecured Personal Loan
Whether it's a vacation, wedding, education or emergency, an unsecured personal loan allows you the freedom and flexibility to navigate through your life journey.
Apply for an unsecured personal loan
Secured Personal Loan*
Borrow funds while using your own savings account or certificate of deposit (CD) as collateral. A secured personal loan offers a lower interest rate and you will continue to earn dividends on your savings or CD.
Apply for a Secured Personal Loan
Overdraft Line of Credit*
This loan automatically advances money up to your available credit line, working seamlessly with your current St. Anne’s Credit Union checking account.
New & Used Auto Loans
Start with us when it’s time for a new or used vehicle. Whatever you're driving – St. Anne’s has low loan rates and flexible terms to get you on the road. We even offer pre-approvals before shopping for a vehicle, or you can refinance your current loans with us to lower your monthly payment. Apply now for a St. Anne’s new or used auto loan.
Looking to finance a new or used motorcycle, RV, or boat? We have special packages for extended terms when you apply for a motorcycle, RV or boat loan.
Mass Save® HEAT Loan**
Save money and energy with a 0% APR Mass Save HEAT Loan from St. Anne’s Credit Union. Qualifying customers can receive no-interest financing to install heating and cooling equipment and other qualifying energy efficient improvements. Unsecured loans are available from $2,001-$15,000 for terms up to 60 months.
- Interest rate is 0%
- More efficient home = lower energy costs
- Environmentally friendly
- Opportunity to make qualified energy efficient home improvements
Eligible Improvements May Include:
- Attic, wall and basement insulation
- Heating equipment
- Central air conditioning and heat pumps
- Digital and wireless enabled thermostats
- ENERGY STAR®-qualified replacement windows
- Domestic hot water and solar hot water heaters
How to Apply:
- Call Mass Save at (866) 527-7283 to schedule your no-cost home energy assessment.
- Fill out the HEAT Loan intake form, which will be provided to you during your home energy assessment by your Mass Save representative.
- Submit your intake form and receive your HEAT Loan authorization form from Mass Save.
- Send us your completed HEAT loan authorization form after applying.
Apply for a Mass Save® HEAT Loan
HOME EQUITY LOANS & LINES OF CREDIT
Home Equity Financing
Finance the important things in life the smart way, using the equity in your home with a Fixed Home Equity Loan, Home Equity Line of Credit, or Home Improvement Loan. These loans allow you to make home improvements, finance education expenses, consolidate debt - or take that much-needed vacation. All are available with no closing costs.
Fixed Rate/Fixed Term Home Equity Loan
A good choice for those who want to borrow a specific amount, with a fixed rate, term, and monthly payment. Great for debt consolidation, major home renovations, or large one-time purchases.
Apply for a Fixed Rate Loan
Home Equity Line of Credit***
The ideal loan for homeowners who want access to funds for large expenses, now and in the future. Use a home equity line of credit to pay for home improvements, education costs, major expenses and more. Whether it’s for a new roof, replacing the furnace or that dream kitchen, use only what you need when you need it by simply writing a check.
Apply for a Home Equity Line of Credit - Principal & Interest Loan
Apply for a Home Equity Line of Credit - Interest Only Loan
Home Improvement Loans
Whether it’s for a major repair, a remodel or a small weekend project, a home improvement loan makes your upgrades more affordable.
Apply for a Home Improvement Loan
*This loan must be applied for at a branch, in person.
**Customers must meet program eligibility requirements to participate. Eligibility for the HEAT Loan is based on findings from the Home Energy Assessment and require pre-approval. Some restrictions apply and offers are subject to change or cancellation. Financing is subject to credit approval with a minimum loan amount of $2,000. APR refers to Annual Percentage Rate. The monthly payment would be approximately $16.67 per $1,000 borrowed based on 0.00% APR for 60 months. Additional fees may apply when title is held in any type of Trust ownership. Eligible Mass Save HEAT Loan customers will need to obtain cost estimates from licensed contractors and submit them to the Home Assessment Vendor for approval. Visit Mass Save or call 1-866-527-SAVE (7283) for details and to learn more about the program.
***Early termination fee of $50 - $650 may apply.