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Rates

Special rates

Type

Term (Months)

Minimum Daily Balance to Earn APY

APY

Minimum Deposit

Open

8-Month CD/IRA Special*

8 $5,000.00  5.00%  $5,000.00 OPEN NOW 

*Effective 12/14/2023. Offer good for the initial 8-month term. A minimum deposit of $5,000 is required to open account and obtain Annual Percentage Yield (APY). If balances fall below $5,000.00, the APY drops to 0.20%. Upon maturity, the certificate will convert to a 6-month term. Fees may reduce earnings. Advertised APY is offered at the Credit Union's discretion. APY is available 12/13/2023 and subject to change at any time without notice. An early withdrawal penalty and other restrictions may apply. Consumer accounts only and $5 membership account required.

ADJUSTABLE RATE MORTGAGE*

Named one of the top 10 Massachusetts’ Lenders in 2023 by Banker & Tradesman

Product

Term (Years)

Current Rate

New APR

Points

Monthly Payments Per $1,000 Borrowed

Apply

 

5/1 ARM1

30

6.000% 

7.208%

0

$14.99

 

 

GET
STARTED

 

 

 

7/1 ARM2

30

6.250%

7.151%

0

$15.39

10/1 ARM3 30 6.625% 7.163% 0 $16.01

*Annual Percentage Rate (APR) is variable and will change every 12 months after the initial fixed period.
1Effective as of 2/23/2024 the 5/1 ARM Payment Example: Purchase transaction, single family primary residence, with a term of 30 years, credit score of 680 or higher, loan amount of $250,000 an APR of 7.208%, at an interest rate of 6.000%, $14.99 per $1,000 borrowed, will have a monthly payment of $1,498.88 for years 1-5. For years 6-30, payments may change once every 12 months based on the current index. Taxes and insurance are not included in payment example. All rates and terms are subject to change without notice. Other terms available. 
²Effective as of 2/23/2024 the 7/1 ARM Payment Example: Purchase transaction, single family primary residence, with a term of 30 years, credit score of 680 or higher, loan amount of $250,000 an APR of 7.151%, at an interest rate of 6.250%, $15.39 per $1,000 borrowed, will have a monthly payment of $1,539.29 for years 1-7. For years 8-30, payments may change once every 12 months based on the current index. Taxes and insurance are not included in payment example. All rates and terms are subject to change without notice. Other terms available.
3Effective as of 2/23/2024 the 10/1 ARM Payment Example: Purchase transaction, single family primary residence, with a term of 30 years, credit score of 680 or higher, loan amount of $250,000 an APR of 7.163%, at an interest rate of 6.625%, $16.01 per $1,000 borrowed, will have a monthly payment of $1,600.78 for years 1-10. For years 11-30, payments may change once every 12 months based on the current index. Taxes and insurance are not included in payment example. All rates and terms are subject to change without notice. Other terms available.

CONSUMER LOAN RATES*

Product

Term (Months)

APR as low as

Monthly Payments Per $1,000 Borrowed

Personal Loans/Unsecured1

 1-36

Months

13.990%  $34.17

37-60 Months

14.490%

$23.52

Mass Save® HEAT Loan2

84 Months

0.000%

$11.91

New Auto 2023-20223

36-60 Months

7.370%

$19.98

61-75 Months

8.370%

$17.17

Used Auto 2021-20173

36-60 Months

8.370%

$20.45

61-72 Months

8.860%

$17.96

Fixed Second Mortgage4

120 Months

7.625%

$11.94

180 Months

7.885%

$9.49

Product

APR/Term 

Apply

Home Equity Line of Credit5

7.490% APR

Introductory rate for 12 months

8.50% APR

After introductory period, variable rate as low as 8.50%

GET
STARTED

Product

Term (Months)

Points

APR as low as

Monthly Payments Per $1,000 Borrowed

Apply

Home Improvement Loan6

36-60 

NA

8.00%

 $20.28

GET STARTED

*Annual Percentage Rate (APR) subject to change. $5 membership account required. 
1Maximum loan amount $10,000, minimum loan amount $1,000. One-year St. Anne's Credit Union membership required for debt consolidation loan. 
2Customers 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 a maximum loan amount of $25,000. APR refers to the Annual Percentage Rate. The monthly payment would be approximately $11.91 per $1,000 borrowed based on 0.00% APR for 84 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. 
3Rate is based on creditworthiness and may vary. Estimated cost per thousand calculated on monthly payments of $10,000 loan at the maximum term. Additional rates and terms may be available. 
4Homeowners 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.
5Annual Percentage Rate (APR) is a variable rate. Available for 1-4 family primary residences. Property insurance is required. Flood insurance and an appraisal fee ranging from $440-$725 may be required. Additional fee when property is held in any type of Trust ownership. First or second lien position. If the line of credit is paid off within 36 months, the borrower will be responsible for waived closing fees. Subject to credit approval with a minimum FICO score of 640. Offer good for loan amounts of $25,000 - $500,000. Introductory rate of 7.49% is fixed for 12 months and variable thereafter. Variable rate is set monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the previous month. Prime Rate is 8.50% as of October 1, 2023. Minimum APR is 7.49%. Maximum APR is 18.00%. Other terms and conditions may apply.

6Annual Percentage Rate (APR) effective August 1, 2023, special rate of 8.0% for terms between 36-60 months, loan amounts ranging from $5,000 to $15,000 with a credit score of 700 or higher and maximum debt to income ratio of 60%. Cost is $20.28 per $1,000 at 8.00% for 60 months. Copy of construction bid or written proposal required. Proof of income required with a credit score of less than 650 or at underwriters’ discretion. $5 membership account required. Other restrictions may apply. This offer is subject to change without notice.

Deposit Rates*

Type

Term

Minimum Daily Balance to Earn APY

APY

Minimum Deposit

Certificates1

3 Months

$0.01

0.15%

$500.00

6 Months

$0.01

0.20%

$500.00

9 Months

$0.01

0.25%

$500.00

12 Months

$0.01

0.40%

$500.00

24 Months

$0.01

0.50%

$500.00

36 Months

$0.01

0.60%

$500.00

48 Months

$0.01

0.70%

$500.00

60 Months

$0.01

0.80%

$500.00

 

Minimum Daily Balance to Earn APY

APY

Minimum Deposit

Membership Savings2

$0.01

0.10%

$5.00

Acorn Savings2

$0.01

0.10%

$1.00

Christmas Club2

$20.00

0.05%

$5.00

Vacation Club2

$20.00

0.05%

$5.00

Regular Share Savings2

$0.01

0.10%

$5.00

Money Market2

$0.01

0.05%

$100.00

$2,500.00

0.10%

$100.00

$20,000.00

0.15%

$100.00

$50,000.00

0.25%

$100.00

$75,000.00

0.30%

$100.00

$100,000.00+

0.35%

$100.00

Business Investment Money Market2

$0.01

0.10%

$100.00

$2,500.00

0.15%

$100.00

$10,000.00

0.20%

$100.00

$30,000.00

0.20%

$100.00

Basic Checking2

$0.00

0.00%

$5.00

NOW Checking3

$20.00

0.05%

$5.00

Senior NOW Checking4

$20.00

0.05%

$5.00

Type

Term

Minimum Daily Balance to Earn APY

APY

Minimum Deposit

Statement Saver IRA5

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

N/A

$0.01

0.10%

$100.00

IRA Certificates5

3 Months

$0.01

0.15%

$500.00

6 Months

$0.01

0.20%

$500.00

9 Months

$0.01

0.25%

$500.00

12 Months

$0.01

0.40%

$500.00

24 Months

$0.01

0.50%

$500.00

36 Months

$0.01

0.60%

$500.00

48 Months

$0.01

0.70%

$500.00

60 Months

$0.01

0.80%

$500.00

*Rates are subject to change without notice.
1Annual 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.
2Annual 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.
3Account no longer offered after 4/5/2010.
4$5 minimum to open account. Tax Reporting Owner must be over age 65 to be eligible for this account.
5Annual 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. 

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