NEWS & INFORMATION

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

CHECKS BY MAIL ONLY

Business Hours 12/15/20
Monday 8:30 AM to 2:00 PM
Tuesday 8:30 AM to 4:00 PM
Wednesday 8:30 AM to 2:00 PM
Thursday 8:30 AM to 4:00 PM
Friday CLOSED
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.


Save The Date – 1/14/2021

We will be holding our annual meeting on Thursday, January 14, 2021 at noon.

This meeting replaces the original meeting scheduled for March 26, 2020 which had to be cancelled due to Covid 19 concerns. Members can participate by calling in or by joining our teleconference, Ring Central Meeting.

If you are interested in joining the meeting please call the credit union for the necessary link and telephone number.


Download a Loan Application


Loan Rates



jQuery UI Tabs – Default functionality

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.


Font Resize