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Loan Rates

Mortgages

For current rates, please call our Mortgage Center at 978-968-2200 to speak to one of our Mortgage Lending Representatives. Or you can email us at mortgagecenter@myccu.org.

Personal Loans

Unsecured Loans

TermAPR** as low asPayment per $1,000 Borrowed
1 Year7.99%$86.98
2 Years8.24%$45.34
3 Years8.49%$31.56
4 Years8.74%$24.76
5 Years8.99%$20.75
** Annual Percentage Rate (APR) is subject to change without notice. Not all members may be eligible for these rates, other discounts may apply. Please contact us for specific requirements, credit requirements, LTV and term limits and pricing tiers. All loan applications are subject to credit approval.

Secured Loans

 TermAPR** As Low AsEstimated Cost per $1,000
Installment loan up to $100,000up to 48 monthsFixed at 3.25% over the Passbook/CD interest rate$22.24
Term Balloon loan up to $100,0001 paymentFixed at 3.25% over the Passbook/CD interest rate$1002.71
Installment loan >= $100,000up to 48 monthsFixed at 2.75% over the Passbook/CD interest rate$22.07
Term Balloon loan >= $100,0001 paymentFixed at 2.75% over the Passbook/CD interest rate$1002.29
** Annual Percentage Rate (APR) is subject to change without notice. Not all members may be eligible for these rates, other discounts may apply. Please contact us for specific requirements, credit requirements, LTV and term limits and pricing tiers. All loan applications are subject to credit approval.

Credit Cards

Credit CardBest ForCredit Line RangeIntroductory APR*Regular APR** as low as
Visa PivotBuilding or repairing credit$300 - $2,500 N/A18.00%
Visa VividLow rates$2,500 - $30,0000.99%5.50% + Prime Rate
Visa Vivid with RewardsEarning rewards$2,500 - $30,0000.99%9.00% + Prime Rate
Visa Signature with RewardsAdditional benefits plus rewards$5,000 - $30,0000.99%9.00% + Prime Rate
Visa BusinessVisa Business$5,000 - $50,0000.99%8.00% + Prime Rate
* Introductory APR for a period of six billing cycles. After that your APR will vary with the market based on the Prime Rate.
** APR will vary with the market based on the Prime Rate, credit history and is subject to change.
All loans are subject to credit approval. The fee associated with foreign transactions converted to US currency is 2%. The ATM cash advance fee is $10.00 or 2%, of the greater. *Points expire 5 years from each calendar year in which they are earned.

Auto Loans

Model YearTermAPR** As Low AsEstimated Cost per $1,000
New Vehicle 2020-2022
Less than 5K miles
24-663.00%$16.45
67-753.50%$14.86
Used Vehicle 2020-2021
over 5K miles
24-664.00%$16.90
67-754.50%$15.32
Used Vehicle 201924-755.00%$15.55
Used Vehicle 201824-665.50%$17.59
Used Vehicle 201724-486.99%$23.94
Used Vehicle 201624-487.49%$24.17
* No trust, livery, third party, or straw purchases. No salvage, lemon law, flood-damaged, or rebuilt vehicles. Minimum financing amount: $7,500.00 Maximum mileage 75,000
** Annual Percentage Rate (APR) is subject to change without notice. Not all members may be eligible for these rates, other discounts may apply. Please contact us for specific requirements, credit requirements, LTV and term limits and pricing tiers. All loan applications are subject to credit approval.

Motorcycle Loans

Model YearTermAPR** As Low AsEstimated Cost per $1,000
New Vehicles
(2020-2022) less than 5K miles
24 to 48 months7.75%$45.11
Used Vehicle
(2020-2022) over 5K miles
24 to 48 months8.00%$45.23
Used Vehicle
(2016-2019 Model)
24 to 48 months8.25%$45.34
** Annual Percentage Rate (APR) is subject to change without notice. Not all members may be eligible for these rates, other discounts may apply. Please contact us for specific requirements, credit requirements, LTV and term limits and pricing tiers. All loan applications are subject to credit approval.
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