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DEPOSIT SPECIALS 4/22/2020

TypeTermMinimum Daily Balance to Earn APYAPYMinimum Deposit

Fast Track to Savings*

(Power Up)

N/A 

 $0.01

5.00% 

$5.00 

Money Market**

N/A 

$25,000.00 

 1.55%

$25,000.00 

Online Only Money Market***

N/A 

$0.01-$2,500

$2,501-$24,999.99

$25,000+

 0.03%

 0.20%

 2.01%

$5.00

*Eight individuals will have the chance to win one of the following prizes: (2) Apple® iPad Air, (2) Samsung 55" TV, (2) Apple Air Pods, and (2) Apple Watch. Employees are not eligible. Prize winners will be picked at random and announced in February, 2020. To be eligible to win you must be a legal U.S. resident and 18 years or older at the time of entry. No purchase necessary to win. Cannot be combined with other offers. Annual Percentage Yield (APY) as of 11/8/19 is variable, subject to change after account opening and is based on daily balances. APY of 5.00% will be paid on the daily balance in your account up to $3,000.00. An interest rate of 0.03% will be paid on the remaining daily balance in your account that exceeds $3,000 with a $3,000.01 balance in your account earning 5.00% APY and a $4,000.00 balance in your account earning 2.16% APY, as examples. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Minimum balance of $0.01 to earn APY. Fees may reduce earnings on account. One Fast Track to Savings account per person. Available to new members only.
**Annual 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.
***Annual Percentage Yield (APY) as of 4/22/20 and subject to change at any time after account opening. Minimum balance of $0.01 to earn APY. Available to new and existing members for money 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. Maximum of $2,500 can be funded online.

Consumer Loan Rates**** 5/1/2020

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

Personal Loans/Unsecured1

12 Months

7.25% 

$86.64 

 13-24 Months

8.25% 

$45.34

 25-36 Months

 9.25%

$31.92 

 37-48 Months

10.25% 

$25.48 

 49-60 Months

11.25% 

$21.87

COVID-19 Assistance Loan2

12 Months

5.99%

$86.06

Mass Save® HEAT Loan3

60 Months

0%

$16.67

New Auto 2020-20194

36-48 Months 

3.25% 

$29.19 

49-60 Months 

3.50% 

$22.36 

61-75 Months

3.75% 

$18.30

Used Auto 2019-20134

up to 36 Months 

3.49% 

$29.30

37-48 Months

3.75%

$22.47

49-65 Months

4.00%

$17.14

Fixed Second Mortgage5

120 Months

4.750% 

$10.48 

180 Months

5.250% 

$8.04 

 Product Term (Months) APR

 Home Equity Line of Credit6

Fixed for 24 Months

2.99%

Prime + .25% Thereafter

****Annual Percentage Rate (APR) subject to change. $5 membership account required.
1. Maximum loan amount $15,000, minimum loan amount $1,000. Annual Percentage Rate (APR) reflects a reduction of .25% by having automatic payment from a St. Anne’s Credit Union checking account.
2. APR=Annual Percentage Rate. Unsecured 14-month loan. Loan amounts ranging between $500-$2,000. No payments and no interest for the first two monthly payments and then 5.99% APR. Prepay at any time. Repayment example: $2000 is $0 for first 2 months and $173.84 for remaining 12 months. To be eligible, member must have experienced no negative balances and no loan defaults for the last six months and have a credit score 680 or higher. No proof of income or verification of employment needed. This is not a U.S. government insured loan.

3. Customers must meet program eligibility requirements to participate. Eligibility for the Mass Save 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 $25,000. 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. 
4. Rate is based on creditworthiness and may vary. Published rate includes a 0.25% discount given when automatic payments are maintained from a St. Anne's Credit Union checking account. Estimated cost per thousand calculated on monthly payments of $10,000 loan at the maximum term. Additional rates and terms may be available. 
5. 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. Second lien position only.
6. APR=Annual Percentage Rate. Available for owner-occupied 1-4 family primary residences. Homeowners insurance required. Flood insurance and an appraisal fee ranging from $175-$500 may be required. Offer good for loan amounts between $25,000 and $500,000. Subject to credit approval with a minimum FICO score of 600. Early termination fee of $500 may apply. Additional fee when title is held in any type of Trust ownership. First or second lien position. Other terms and conditions may apply. For Home Equity Line of Credit, after 24 months, APR adjusts monthly based on The Wall Street Journal (WSJ) Prime Rate plus .25%. APR reflective of a reduction of .25% with continued automatic payment from a St. Anne's Credit Union checking account, equaling WSJ Prime Rate. 

Deposit Rates 4/22/2020

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

Membership Savings3

$0.01

0.150%

$5.00

Acorn Savings3

$0.01

0.150%

$5.00

Christmas Club3

$20.00

0.050%

$5.00

Vacation Club3

$20.00

0.050%

$5.00

Regular Share Savings3

$0.01

0.150%

$5.00

Money Market3

 

 

$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 Market3

 

 

$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 Checking3

$0.00

0.000%

$5.00

Now Checking4

$20.00

0.050%

$5.00

CashBack Checking5

$0.00

0.000%

$5.00

TypeTermMinimum Daily Balance to Earn APYAPYMinimum Deposit

Statement Saver IRA6

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

 

      

N/A

$0.01

0.150%

$100.00

IRA Certificates6

 

 

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 Certificates6

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 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.
4No Longer offered after 04/05/10.
5To 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.
6Annual 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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