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Rates

Mortgage Rates 8/9/19                        Apply Now

TypeInterest RatePointsAPRMonthly Payments Per $1,000 Borrowed

30-Year Fixed*

3.249% 

0

 3.366%

 $4.35

10-Year Fixed*
(5% or more down payment)

1.990%

0

2.113%

$9.20

*Annual Percentage Rates (APRs) are effective as of 8/9/2019 and subject to change without notice. No minimum loan amounts required. Loans greater than 80% loan to value (LTV) will require private mortgage insurance (PMI). Payments do not include taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Subject to credit approval and closing costs. Primary residences only. Contact St. Anne’s for information about no closing cost option and non-owner occupied properties. St. Anne’s $5 membership account and checking account with automatic debit required. For 3.366% APR 30-Year Fixed Rate Mortgage, must have 680+ credit score, a 0.50% discount fee will be assessed for 640-679 credit scores. New applications only. For 2.113% APR 10-Year Fixed Rate Mortgage, must have 670+ credit score.

Consumer Loan Rates** 5/16/19

ProductTerm (Months)APRMonthly Payments Per $1,000 Borrowed

Personal Loans/Unsecured1

12 Months

7.50% 

$86.76 

 24 Months

8.50% 

 $45.46

 36 Months

 9.50%

$32.03 

 48 Months

10.50% 

$25.60 

 60 Months

11.50% 

$21.99 

 Mass Save® HEAT Loan2

60 Months 

0% 

$16.67 

New Auto 2019-20183

36 Months 

3.25% 

$29.19 

48 Months 

3.50% 

$22.36 

60 Months 

3.75% 

 $18.30

75 Months 

4.00% 

$15.09 

Used Auto 2018-20123

36 Months 

3.74% 

$29.41

48 Months

4.00%

$22.58

65 Months

4.25% 

$17.25 

Fixed Home Equity4

 60 Months

4.250% 

$18.53 

120 Months

4.750% 

$10.48 

180 Months

 5.250%

$8.04 

 Product Term (Months) APR

 Home Equity Line of Credit5

Fixed for 12 

2.99% 

Fixed for 24

3.99%

Prime Thereafter

5.25% 

**Annual Percentage Rate (APR) subject to change. $5 membership account required.
1. Maximum loan amount $15,000, minimum loan amount $750. Annual Percentage Rate (APR) reflects a reduction of .25% by having automatic payment from a St. Anne’s Credit Union checking account.
2. 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 $2,001 and maximum loan amount of $15,000. 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. 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. Some restrictions apply and offers are subject to change or cancellation. Visit Mass Save or call 1-866-527-SAVE (7283) for full details.
3. Maximum loan amount $100,000, minimum loan amount $2,500. Annual Percentage Rate (APR) reflects a reduction of .25% by having automatic payment from a St. Anne’s Credit Union checking account. Rate may vary based on make and model of the vehicle. APRs and loan approval are based on collateral type, payment method, creditworthiness and ability to repay. Fees and other restrictions may apply.
4. Homeowners insurance required. Maximum loan amount $500,000, minimum loan amount $25,000. Annual Percentage Rate (APR) reflects a reduction of .25% by having automatic payment from a St. Anne’s Credit Union checking account.
5. Introductory rate of 2.99% APR is fixed for the first 12 months or 3.99% APR fixed for the first 24 months. Thereafter, variable APR becomes adjustable monthly based on Prime Rate (currently 5.25% APR) as published in The Wall Street Journal with a maximum of 18% APR. Available for owner-occupied 1-4 family properties. Homeowners insurance is required. Flood insurance may be required. Minimum loan amount $25,000, maximum loan amount $500,000. Appraisal fee ranging from $175-$475 may be required. Subject to credit approval. Early termination fee of $50 - $650 may apply. Certain restrictions apply. Additional fee when title is held in any type of Trust ownership.

Deposit Rates 5/16/19

TypeTermMinimum Daily Balance to Earn APYAPYMinimum Deposit

Jumbo Certificates2

 

 

 

 

 

 

6 Months

$100,000.00

0.400%

$100,000.00

9 Months

$100,000.00

0.400%

$100,000.00

12 Months

$100,000.00

0.850%

$100,000.00

24 Months

$100,000.00

1.200%

$100,000.00

36 Months

$100,000.00

1.350%

$100,000.00

48 Months

$100,000.00

1.600%

$100,000.00

60 Months

$100,000.00

1.750%

$100,000.00

Certificates3

3 Months

$500.00

0.200%

$500.00

6 Months

$500.00

0.300%

$500.00

9 Months

$500.00

0.300%

$500.00

12 Months

$500.00

0.750%

$500.00

24 Months

$500.00

1.100%

$500.00

36 Months

$500.00

1.250%

$500.00

48 Months

$500.00

1.500%

$500.00

60 Months

$500.00

1.650%

$500.00


TypeMinimum Daily Balance to Earn APYAPYMinimum Deposit

Money Market Special3

$25,000

1.550%

$25,000

Membership Savings4

$0.01

0.150%

$5.00

Acorn Savings4

$0.01

0.150%

$5.00

Christmas Club4

$20.00

0.050%

$5.00

Vacation Club4

$20.00

0.050%

$5.00

Regular Share Savings4

$0.01

0.150%

$5.00

Money Market4

 

 

$0.01

0.100%

$100.00

$2,500.00

0.150%

$100.00

$10,000.00

0.200%

$100.00

$20,000.00

0.250%

$100.00

$50,000.00

0.350%

$100.00

Business Investment Money Market4

 

 

$0.01

0.150%

$100.00

$2,500.00

0.200%

$100.00

$10,000.00

0.250%

$100.00

$30,000.00

0.300%

$100.00

Basic Checking4

$0.00

0.000%

$5.00

Now Checking5

$20.00

0.050%

$5.00

Interest Checking6

$20.00

0.050%

$5.00

CashBack Checking7

$0.00

0.000%

$5.00

TypeTermMinimum Daily Balance to Earn APYAPYMinimum Deposit

Statement Saver IRA8

(Variable rate account and therefore, the rate is subject to change after account opening)

 

      

N/A

$0.01

0.150%

$100.00

IRA Certificates8

 

 

3 Months

$500.00

0.200%

$500.00

6 Months

$500.00

0.300%

$500.00

9 Months

$500.00

0.300%

$500.00

12 Months

$500.00

0.750%

$500.00

24 Months

$500.00

1.100%

$500.00

36 Months

$500.00

1.250%

$500.00

48 Months

$500.00

1.500%

$500.00

60 Months

$500.00

1.650%

$500.00

IRA Jumbo Certificates8

6 Months

$100,000.00

0.400%

$100,000.00

9 Months

$100,000.00

0.400%

$100,000.00

12 Months

$100,000.00

0.850%

$100,000.00

24 Months

$100,000.00

1.200%

$100,000.00

36 Months

$100,000.00

1.350%

$100,000.00

48 Months

$100,000.00

1.600%

$100,000.00

60 Months

$100,000.00

1.500%

$100,000.00


2Annual Percentage Yield (APY) subject to change. $500 minimum deposit to open account. $100,000 minimum opening deposit to earn jumbo rate. Interest is compounded monthly and credited monthly or paid at maturity. Interest is paid for each day funds remain on deposit. A substantial penalty is assessed on funds withdrawn prior to maturity on all Certificate accounts. Request further information concerning any fees and terms applicable to the advertised accounts. Fees may reduce earnings.
3Annual Percentage Yield (APY) as of 2/21/18 and subject to change at any time after account opening. Available to new and existing members for balances deposited between $25,000 and $2,499,999. A minimum of $25,000 opening amount and minimum daily balance to obtain APY and not currently on deposit at St. Anne’s Credit Union. St. Anne’s Credit Union Membership $5 account required. Initial basic checks are included at no cost. No monthly service charges. During any statement period, limited to six withdrawals or transfers to another credit union account or to a third party by means of a pre-authorized or automatic telephone order or instruction made by check, draft, debit card or similar order to a third party. Excessive account activity during the statement period may result in a fee or closure. Fees may reduce earnings.
4Annual Percentage Rate (APY) subject to change. Minimum deposit shown is the minimum amount required to open the account and may differ from the minimum balance required to earn APY. Rates may change after account opening for variable rate accounts. Interest is paid for each day funds remain on deposit. Request further information concerning any fees and terms applicable to the advertised accounts. Fees may reduce earnings.
5No Longer offered after 04/05/10.
6When the Interest Checking Rewards requirements are met, you will earn $5.00 a month per account. To meet the Interest Checking Rewards Requirements, you must have twenty (20) St. Anne's Credit Union MasterMoney Card debit (point-of-sale or PIN-based) transactions posted to your account during a statement cycle. ATM withdrawals, deposits or account balance inquiries using the MasterMoney Card are excluded from this program. Rewards Credit is subject to IRS reporting.
7To be eligible for the CashBack Checking account, you must receive your monthly statement electronically (herein referred as "eStatement") and have a valid email address. If you cancel your eStatement, the CashBack Checking account will automatically convert to the Basic Checking Account. Please refer to the St. Anne’s Credit Union fee schedule for information about fees and charges associated with our accounts. When the CashBack Checking Rewards requirements are met, you will earn $5.00 a month per account. This will be deposited monthly by St. Anne's Credit Union into the CashBack Checking account. To meet the CashBack Checking Rewards Requirements, you must have twenty (20) St. Anne's Credit Union MasterMoney debit (point-of-sale or PIN-based) transactions posted to your account during a statement cycle. ATM withdrawals, deposits or account balance inquiries using the MasterMoney card are excluded from this program. Rewards Credit is subject to IRS reporting.
8Annual Percentage Yield (APY) subject to change. Interest is compounded monthly and credited monthly or paid at maturity for all other terms. Interest is paid for each day funds remain on deposit. A substantial penalty is assessed on funds withdrawn prior to maturity on all IRA accounts. Request further information concerning any fees and terms applicable to the advertised accounts. $100,000 minimum opening deposit required to earn jumbo rate.

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