We’re Here For You

NEWS & INFORMATION

City Hall building is open to the public.
You can reach the Credit Union at
(978) 970-4088 during the following hours.

Business hours of the credit union as of January 1, 2025


Sunday
Closed
Monday
8:30 AM
4:00 PM
Tuesday
8:30 AM
8:00 PM
Wednesday
8:30 AM
4:00 PM
Thursday
8:30 AM
4:00 PM
Friday
8:30 AM
12:00 PM
Saturday
Closed
Holidays
Closed


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AUTO LOANS

NEW VEHICLES

Cond.
Model Yrs
Term
*APR
Per/$1000
Tier
Credit Score
Debt Ratio
MAX
New
2024 – 2025
year(‘s)
5.5 %
$
1
700-850
42 %
$ 100,000
New
2024 – 2025
year(‘s)
6.25 %
$
2
600-699
38 %
$ 100,000
New
2024 – 2025
year(‘s)
6.5 %
$
3
500-599
32 %
$ 100,000

USED VEHICLES

Cond.
Model Yrs
Term
*APR
Per/$1000
Tier
Credit Score
Debt Ratio
MAX
Used
2010 – 2023
year(‘s)
6.1 %
$
1
700-850
42 %
$ 85,000
Used
2010 – 2023
year(‘s)
6.85 %
$
2
600-699
38 %
$ 85,000
Used
2010 – 2023
year(‘s)
7.1 %
$
3
500-599
32 %
$ 85,000

*APR = Annual Percentage Rate, APY = Annual Percentage Yield. Individuals with credit scores of 350-499 are not eligible for consideration.
Tier 3 Co-borrower with at least a 650 or higher credit score and credit committee approval. Per/$1,000 is estimate only and based on maximum loan terms.


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With college costs growing fast, it’s time to borrow smarter. The Smart Option Student Loan® offers three repayment options and competitive interest rates to help you pay for college expenses not covered by scholarships and federal loans.