Rates

special RATES

FIXED-RATE MORTGAGE

ADJUSTABLE RATE MORTGAGE (ARM)

fIXED-RATE JUMBO MORTGAGE

*As low as 4.99% Annual Percentage Rate (APR) effective 3/27/2023 for a new or used car loan with excellent credit history and automatic payment from a St. Anne’s Credit Union share draft account. Other rates available based on credit history and other factors. Available on model years 2019 or newer with 100,000 miles or less. Minimum loan amount is $7,500 and maximum is $100,000. Example, at 4.99% APR, a $25,000 loan would have 60 monthly payments of $471.67. Refinance of an existing vehicle loan from St. Anne’s is not allowed. Other restrictions may apply. This offer is subject to change without notice.

**Effective 12/01/2022. Offer good for the initial 7-month term. A minimum deposit of $2,500 is required to open account and obtain Annual Percentage Yield (APY). If balances fall below $2,500.00, the rate 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 12/01/2022 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.

***Effective 9/22/22. Offer good for the initial 14-month term. A minimum deposit of $2,500 is required to open account and obtain Annual Percentage Yield (APY). If balances fall below $2,500.00, the rate drops to 0.35%. Upon maturity, the certificate will convert to a 12-month term. Fees may reduce earnings. Advertised APY is offered at the Credit Union’s discretion. APY is available 9/22/22 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.

****Effective 9/22/22. Offer good for the initial 25-month term. A minimum deposit of $2,500 is required to open account and obtain Annual Percentage Yield (APY). If balances fall below $2,500.00, the rate drops to 0.45%. Upon maturity, the certificate will convert to a 24-month term. Fees may reduce earnings. Advertised APY is offered at the Credit Union’s discretion. APY is available 9/22/22 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.

*****Annual Percentage Rate 4.118% (APR) is effective as of 09/30/2022 and subject to change without notice. Loan amount may be subject to taxes or insurance. Payment example:10-Year (120 payments) Fixed Rate Mortgage, Loan Amount of $100,000.00, $10.12 per $1,000 borrowed. Borrowers must have credit score 680 or higher with a LTV of 60 % or less and debt to income ratio less than 40%. Owner occupied, single family, primary residences, warrantable condominium only. No cash out, non-owner occupied, construction, second home or multi-units properties. Subject to credit approval. Contact St. Anne's for no closing cost options. Other terms and conditions apply.

******Annual Percentage Rate 6.307% (APR) is effective as of 2/17/2023 and subject to change without notice. Loan amount may be subject to taxes or insurance. Payment example:30-Year (360 payments) Fixed Rate Mortgage, Loan Amount of $100,000.00, $6.57 per $1,000 borrowed. Borrowers must have credit score 680 or higher with a LTV of 60 % or less and debt to income ratio less than 40%. Owner occupied, single family, primary residences, warrantable condominium only. No cash out, non-owner occupied, construction, second home or multi-units properties. Subject to credit approval. Contact St. Anne's for no closing cost options. Other terms and conditions apply.

*******Annual Percentage Rate 5.774% (APR) is effective as of 09/28/2022 and subject to change without notice. The loan amount may be subject to taxes or insurance. Payment example:30-Year (360 payments) Adjustable Rate Mortgage, Loan Amount of $100,000.00, $5.36 per $1,000 borrowed. Borrowers must have a 670 or higher credit score with a loan value of 97 % or less. Owner occupied, primary residences. No non-owner occupied properties or construction loans. Private mortgage insurance is required on down payments of less than 20%. Subject to credit approval. Receive a lender credit up to $525.00 for a single-family owner-occupied property appraisal. Other terms and conditions apply.

********Annual Percentage Rate 5.478% (APR) is effective as of 02/09/2022 and subject to change without notice. The loan amount may be subject to taxes or insurance. Payment example:30-Year (360 payments) Adjustable Rate Mortgage, Loan Amount of $100,000.00, $5.68 per $1,000 borrowed. Borrowers must have a 670 or higher credit score with a loan value of 97 % - owner-occupied single family, primary residence. No cash-out, non-warrantable condos, non-owner occupied properties, second homes, or construction loans. Private mortgage insurance is required on down payments of less than 20%. Subject to credit approval. Receive a lender credit of up to $525.00 for a single-family owner-occupied property appraisal. Other terms and conditions apply.

*********Annual Percentage Rate as low as 6.763% (APR) is effective as of 3/29/2023 and subject to change without notice. Subject to taxes and insurance. Payment example: 20-Year (240 payments) Fixed Rate Mortgage, Loan amount of $600,000.00 $76.04 per $10,000 borrowed. Borrowers must have credit score 680 or higher with a LTV of 60 % or less and debt to income ratio less than 40%. Owner occupied, single family, primary residences, warrantable condominium only. No cash out, non-owner occupied, construction, second home or multi-units properties. Subject to credit approval. Contact St. Anne's for no closing cost options. Other terms and conditions apply. Minimum loan amount $548,500.00 maximum loan amount $1,000,000.00. Also available in a variety of terms, including fixed-rate and adjustable-rate loans. Rates available for loan amounts greater than $1,000,000.00. Subject to credit approval. Contact St. Anne's for no closing cost options. Other terms and conditions apply.

**********Annual Percentage Rate as low as 7.125% (APR) is effective as of 3/29/2023 and subject to change without notice. Subject to taxes and insurance. Payment example: 30-Year (360 payments) Fixed Rate Mortgage, Loan amount of $600,000.00 $67.37 per $10,000 borrowed. Borrowers must have credit score 680 or higher with a LTV of 60 % or less and debt to income ratio less than 40%. Owner occupied, single family, primary residences, warrantable condominium only. No cash out, non-owner occupied, construction, second home or multi-units properties. Subject to credit approval. Contact St. Anne's for no closing cost options. Other terms and conditions apply. Minimum loan amount $548,500.00 maximum loan amount $1,000,000.00. Also available in a variety of terms, including fixed-rate and adjustable-rate loans. Rates available for loan amounts greater than $1,000,000.00. Subject to credit approval. Contact St. Anne's for no closing cost options. Other terms and conditions apply.

consumer Loan Rates¹

¹Annual Percentage Rate (APR) subject to change. $5 membership account required. Rates are effective March 18, 2021 and are subject to change without notice.
²Maximum loan amount $10,000, minimum loan amount $1,000. 
³Customers 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. 
⁴Rate 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. 
⁵Homeowners 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.
⁶Annual 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 5.99% 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 8.00% as of March 27, 2023. Minimum APR is 5.99%. Maximum APR is 18.00%. Other terms and conditions may apply.
⁷Annual Percentage Rate (APR) effective April 1, 2021, special rate of 7.50% 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 $20.04 per $1,000 at 7.50% 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 Rates¹

¹Rates are subject to change without notice.
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.
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.