Loan Rates

*Finance your purchase transaction and receive a closing cost credit of $500!
**Effective as of 7/21/24 the Fixed Rate Mortgage Payment Example: Purchase or refinance transaction, limited cash out, 1-4 family primary residence, with a term of 10 years, loan amount of $350,000 an APR of 5.114% at an interest rate of 4.99% w/0 point, $10.60 per $1,000 borrowed, will have a monthly payment of $3,710.58. Taxes and insurance are not included in payment example. All loans are subject to approval; other conditions may apply. Other conventional fixed rate products available and rates are subject to change without notice.
***The advertised Adjustable Rate Mortgage rates are for non-conforming loans with a loan amount of $350,000 and are based on the loan assumptions noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.
¹Effective October 10, 2025, the following is an example of a Fixed Rate Mortgage Payment for purchase transactions involving a single-family primary residence. This example is based on a 30-year term with a loan-to-value (LTV) ratio of 95%, a minimum credit score of 680, and a loan amount of $350,000. The Annual Percentage Rate (APR) is 6.304%, with an interest rate of 6.25%. This results in a payment of $6.16 for every $1,000 borrowed, leading to a monthly principal and interest payment of $2,155.01. Refinance transactions for 1-4 unit properties that are owner-occupied or second homes are eligible with a maximum loan-to-value ratio of 90% and a minimum credit score of 700. Please note that properties undergoing improvements or cash-out refinances are not eligible. Additionally, this payment example does not include taxes, homeowners insurance, and private mortgage insurance (PMI). PMI is required for mortgages that exceed an 80% loan-to-value ratio. All loans are subject to approval, and additional conditions may apply. Other conventional fixed-rate products are available, and rates are subject to change without notice.
²ARM loans are variable rate loans, interest rates and payments may increase after consummation. Rates and payments will remain the same for the first 5 or 7 years and then can adjust to a new rate and payment every (12) twelve months based on a current index, depending on the ARM program you choose. For example, if you select the 5yr/1 yr ARM program your rate and principal & interest payment will be fixed for the first 5 years (the 5 in 5yr/1 year), after that the interest rate and payment could change every (12) twelve months for the remainder of the mortgage's term (the 1 in 5yr/1yr).
³APR = Annual Percentage Rate. Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a purchase of a single-family, owner-occupied residence, with an LTV of 80% or less, credit score of 680 or higher, based on an ARM program displayed above, and the loan will be a first lien. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval; other conditions may apply.
⁴EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed.

*Annual Percentage Rate (APR) subject to change. $5 membership account required.
1. Maximum loan amount $10,000, minimum loan amount $1,000. One-year St. Anne's Credit Union membership required for debt consolidation loan.
2. 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 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.
3. Rate 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.
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. Second lien position only.
5. Annual 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 7.24% 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 7.25% as of September 18, 2025. Minimum APR is 7.24%. Maximum APR is 18.00%. Other terms and conditions may apply.
6. Annual 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.