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Rates

special RATES

Type

Interest Rate

Points

APR

Monthly Payments Per $1,000 Borrowed

15-Year Fixed Rate Mortgage*

2.750% 

 0

2.835% 

$6.79

30-Year Fixed Rate Mortgage**

2.990%

0.50%

3.076%

$4.21

Product

Term (Months)

APR

Home Equity Line of Credit***

Fixed for 24 Months

2.99%

Prime + .25% Thereafter

Product

Term (Months)

APR

Monthly Payments Per $1,000 Borrowed

New Auto Special****

36-60

3.24% 

$17.96

*Annual Percentage Rate (APR) is effective as of July 17, 2020, and is subject to change without notice. 40% minimum down payment required. Loan must be less than 60% loan to value. Loan amount may be subject to taxes or insurance. Payment Example: 2.835% APR 15-Year (180 payments) Fixed Rate Mortgage $6.79 per $1,000 borrowed. Must have 660+ credit score. Single-family primary residences only. No cash-out. Contact St. Anne’s for no closing cost options and non-owner occupied loans. Subject to credit approval. Other terms and conditions apply. $5 membership account required.
**Annual Percentage Rate (APR) is effective as of 8/31/2020. APR includes 0.50% point and subject to change without notice. Loan amount may be subject to taxes or insurance. Payment Example: 3.076% APR 30-Year (360 payments) Fixed Rate Mortgage $4.21 per $1,000 borrowed. Must have 680+ credit score. Single-family primary residences only. No cash-out. Contact St. Anne’s for no closing cost options, non-owner occupied, construction, multi-units, or condominium loans. Subject to credit approval. Other terms and conditions apply. $5 membership account required.
***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. An 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.
****3.24% Annual Percentage Rate (APR) effective 9/14/20 reflects a reduction of 0.25% applied with automatic payment from a St. Anne’s Credit Union checking account for a used car loan up to 60 months, loan amounts $7,500-$50,000. Model years 2020-2016 with less than 100,000 miles. For example, a fixed rate car loan for $25,000 would have 63 monthly payments of $17.96 per $1,000 borrowed. FICO scores 650 and up qualify for 3.24%, actual APR may differ based on credit history. Finance up to 125% of the NADA value or unit price. Other restrictions may apply. This offer is subject to change without notice.       

consumer Loan Rates1

Product

Term (Months)

APR

Monthly Payments Per $1,000 Borrowed

Personal Loans/Unsecured2

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 Loan3

12 Months

5.99%

$86.06

Mass Save® HEAT Loan4

84 Months

0.00%

$11.91

New Auto 2020-2019

36-48 Months

3.25%

$29.19

49-60 Months

3.50%

$22.36 

61-75 Months

3.75%

$18.30

Used Auto 2019-20135

up to 36 Months

3.49%

$29.30

37-48 Months

3.75%

$22.47

49-65 Months

4.00%

$17.14

Fixed Second Mortgage6

120 Months

4.75%

$10.48

180 Months

5.25%

$8.04

1Annual Percentage Rate (APR) subject to change. $5 membership account required. Rates are effective May 1, 2020, and are subject to change without notice.
2Maximum 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.
3APR=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 the first 2 months and $173.84 for the remaining 12 months. To be eligible, members must have experienced no negative balances and no loan defaults for the last six months and have a credit score of 680 or higher. No proof of income or verification of employment needed. This is not a U.S. government-insured loan.

4Customers 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. 
5Rate is based on creditworthiness and may vary. The 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. 
6Homeowners 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.

Deposit Rates1

Type

Term

Minimum Daily Balance to Earn APY

APY

Minimum Deposit

Certificates2

3 Months

$0.01

0.15%

$500.00

6 Months

$0.01

0.25%

$500.00

9 Months

$0.01

0.25%

$500.00

12 Months

$0.01

0.50%

$500.00

24 Months

$0.01

0.65%

$500.00

36 Months

$0.01

0.75%

$500.00

48 Months

$0.01

1.00%

$500.00

60 Months

$0.01

1.30%

$500.00

Jumbo Certificates3

6 Months

$100,000.00

0.25%

$100,000.00

9 Months

$100,000.00

0.25%

$100,000.00

12 Months

$100,000.00

0.50%

$100,000.00

24 Months

$100,000.00

0.65%

$100,000.00

36 Months

$100,000.00

0.75%

$100,000.00

48 Months

$100,000.00

1.00%

$100,000.00

60 Months

$100,000.00

1.30%

$100,000.00

Type

Minimum Daily Balance to Earn APY

APY

Minimum Deposit

Membership Savings3

$0.01

0.15%

$5.00

Acorn Savings3

$0.01

0.15%

$1.00

Christmas Club3

$20.00

0.05%

$5.00

Vacation Club3

$20.00

0.05%

$5.00

Regular Share Savings3

$0.01

0.15%

$5.00

Money Market3

$0.01

0.10%

$100.00

$2,500.00

0.15%

$100.00

$10,000.00

0.20%

$100.00

$20,000.00

0.25%

$100.00

$50,000.00

0.25%

$100.00

Business Investment Money Market3

$0.01

0.15%

$100.00

$2,500.00

0.20%

$100.00

$10,000.00

0.25%

$100.00

$30,000.00

0.25%

$100.00

Basic Checking3

$0.00

0.00%

$5.00

NOW Checking4

$20.00

0.05%

$5.00

Senior NOW Checking5

$20.00

0.05%

$5.00

CashBack Checking6

$0.00

0.00%

$5.00

Type

Term

Minimum Daily Balance to Earn APY

APY

Minimum Deposit

Statement Saver IRA7

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

N/A

$0.01

0.15%

$100.00

IRA Certificates7

3 Months

$0.01

0.15%

$500.00

6 Months

$0.01

0.25%

$500.00

9 Months

$0.01

0.25%

$500.00

12 Months

$0.01

0.50%

$500.00

24 Months

$0.01

0.65%

$500.00

36 Months

$0.01

0.75%

$500.00

48 Months

$0.01

1.00%

$500.00

60 Months

$0.01

1.30%

$500.00

IRA Jumbo Certificates7

6 Months

$100,000.00

0.25%

$100,000.00

9 Months

$100,000.00

0.25%

$100,000.00

12 Months

$100,000.00

0.50%

$100,000.00

24 Months

$100,000.00

0.65%

$100,000.00

36 Months

$100,000.00

0.75%

$100,000.00

48 Months

$100,000.00

1.00%

$100,000.00

60 Months

$100,000.00

1.30%

$100,000.00

1Rates Effective as of September 17, 2020, and are subject to change without notice.
2
Annual 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.
3Annual 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.
4Account no longer offered after 4/5/2010.

5$5 minimum to open account. Tax Reporting Owner must be over age 65 to be eligible for this account.
6To 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.
7Annual 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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