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 12/15/20
Monday 8:30 AM to 4:00 PM
Tuesday 8:30 AM to 4:00 PM
Wednesday 8:30 AM to 4:00 PM
Thursday 8:30 AM to 4:00 PM
Friday 8:30 to noon
Closed Weekends & Holidays

Vacation Loans

It’s vacation season! Now is the time to take out a low rate vacation loan. We have vacation loans as low as 9.00% APR*

*APR = Annual Percentage Rate

more info.

Download a Loan Application


Loan Rates



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Tier Model Yrs Term Credit Debt Ratio Max Interest Rate
1
New
  2019-2020    1-5 Years     700-850   42.00%   $50,000.00   2.35%  APR* 
2
New 
  2019-2020    1-5 Years     600-699   38.00%   $40,000.00   2.99%  APR* 
3†
New 
  2019-2020    1-5 Years     500-599   32.00%   $30,000.00   3.99%  APR* 
1
Used
  Any Year-    1-5 Years     700-850   42.00%   $40,000.00   2.49%  APR* 
2
Used
  Any Year-    1-5 Years     600-699   38.00%   $30,000.00   3.19%  APR* 
3†
Used
  Any Year-    1-5 Years     500-599   32.00%   $22,000.00   4.49%  APR* 

more info.

Tier Max Years Credit Score Debt Ratio Max Amount Interest Rate
1    1 Year     650-850   42.00%   $6,000.00   2.50%  APR* 
2    1 Year     600-699   38.00%   $4,000.00   2.75%  APR* 
3†    1 Year     500-599   32.00%   $2,000.00   3.00%  APR* 

more info.

Tier Type Max Years Credit Score Debt Ratio Max Amount Interest Rate
1    Unsecured    4 Years     700-850   42.00%   $15,000.00   10.00%  APR* 
2    Unsecured    4 Years     600-699   38.00%   $10,000.00   11.00%  APR* 
3†    Unsecured    4 Years     500-599   32.00%   $5,000.00   12.00%  APR* 

more info.

Tier Condition Max.Years Credit Score Debt Ratio Max Amount Interest Rate
1       New    5    700-850   42.00%   $50,000.00   2.99%  APR* 
2       New    5    600-699   38%   $25,000.00   3.49%  APR* 
5       New    5    500-599   32%   $15,000.00   4.99%  APR* 
1       Used   5    700-850   42.00%   $40,000.00   3.49%  APR* 
2       Used   5    600-699   38%   $20,000.00   3.99%  APR* 
5       Used   5    500-599   32%   $12,000.00   4.49%  APR* 

more info.

Tier Max Years Credit Score Debt Ratio Max Amount Interest Rate
1    1 Year     700-850   42.00%   $2,500.00   9.00%  APR* 
2    1 Year     600-699   38.00%   $2,000.00   10.00%  APR* 
3†    1 Year     500-599   32.00%   $1,500.00   11.00%  APR* 

more info.

*APR = Annual Percentage Rate, APY = Annual Percentage Yield. Individuals with credit scores of 350-499 are not eligible for consideration. † Co-borrower with at least a 650 or higher credit score and credit committee approval.

The Smart Option Student Loan

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.


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