Rate Sheet (PDF)
Schedule of Fees Deposit Rates
| Checking Accounts |
  |
| Product |
Min.
Opening
Balance |
Minimum Balance To
Earn APY |
Interest
Rate |
APY1 |
| Free Checking |
$25.00 |
N/A |
N/A |
N/A |
| Classic Checking (checks not returned) |
$25.00 |
$500.00 |
0.15% |
0.15% |
Classic Checking
(check images) |
$25.00 |
$600.00 |
0.15% |
0.15% |
Navigator Checking
(no check images) |
$25.00 |
$25.00 |
0.15% |
0.15% |
Business Checking
(check images) |
$25.00 |
$1,000.00 |
0.25% |
0.25% |
| Tiered Money Market |
$950.00 |
$25- $49,999
$50,000 - $99,999
$100,000 and above
|
0.45%
0.65%
0.75%
|
0.45%
0.65%
0.75%
|
| 1 APY: Annual Percentage Yield |
| Savings Accounts |
|
| Product |
Min.
Opening
Balance |
Minimum Balance To
Earn APY |
Interest
Rate |
APY1 |
| Passbook Savings |
$25.00 |
$25.00 |
0.40% |
0.40% |
| Statement Savings |
$25.00 |
$25.00 |
0.50% |
0.50% |
| Xmas Club |
N/A |
$25.00 |
0.75% |
0.75% |
1 APY: Annual Percentage Yield
Early withdrawal penalties may be imposed. The Annual Percentage Yield assumes principal and interest would remain on deposit for the full term. A withdrawal and/or fees may reduce earnings.
|
| Share Certificates of Deposit |
|
| Term |
Min.
Opening
Balance |
Interest
Rate |
APY1 |
| 3 Months |
$1,000.00 |
0.50% |
0.50% |
| 9 Months |
$1,000.00 |
1.04% |
1.05% |
| 13 Months |
$1,000.00 |
1.19% |
1.20% |
| 15 Months |
$1,000.00 |
1.24% |
1.25% |
| 18 Months |
$1,000.00 |
1.24% |
1.25% |
| 24 Months |
$1,000.00 |
1.73% |
1.75% |
| 36 Months |
$1,000.00 |
1.98% |
2.00% |
| 60 Months |
$1,000.00 |
2.47% |
2.50% |
1 APY: Annual Percentage Yield
Early withdrawal penalties may be imposed. The Annual Percentage Yield assumes principal and interest would remain on deposit for the full term. A withdrawal and/or fees may reduce earnings.
|
| Individual Retirement Accounts |
|
| Term |
Min.
Opening
Balance |
Interest
Rate |
APY1 |
| 3 Months |
$500.00 |
0.50% |
0.50% |
| 9 Months |
$500.00 |
1.04% |
1.05% |
| 13 Months |
$500.00 |
1.19% |
1.20% |
| 15 Months |
$500.00 |
1.24% |
1.25% |
| 18 Months |
$500.00 |
1.24% |
1.25% |
| 24 Months |
$500.00 |
1.73% |
1.75% |
| 36 Months |
$500.00 |
1.98% |
2.00% |
| 60 Months |
$500.00 |
2.47% |
2.50% |
1 APY: Annual Percentage Yield
Early withdrawal penalties may be imposed. The Annual Percentage Yield assumes principal and interest would remain on deposit for the full term. A withdrawal and/or fees may reduce earnings.
|
Loan Rates
| Real Estate Loans |
 |
| Term |
Point |
Rate |
APR1 |
Payment
per $1,000 |
| 30 Year Fixed Rate |
0 |
4.375% |
4.410% |
$4.99 |
| 1 |
4.250% |
4.369% |
$4.92 |
| 20 Year Fixed Rate |
0 |
4.250% |
4.297% |
$6.19 |
| 1 |
4.125% |
4.288% |
$6.13 |
| 15 Year Fixed Rate |
0 |
3.875% |
3.933% |
$7.33 |
| 1 |
3.725% |
3.930% |
$7.26 |
1 APR: Annual Percentage Rate. APRs are calculated assuming an owner occupied 1-4 family property located in Massachusetts with a 20% down payment. Maximum loan to value of 95%. Rates and APRs may change at any time and vary according to the property and loan characteristics.Payments shown does not include taxes and insurance. Your payment may be greater. Pricing adjustments may apply based upon credit score, LTV, and/or property type.
Example:
| Mortgage Amount: | $200,000.00 |
| Rate: | 5.625% |
| Term: | 30 years |
| Monthly payment: | $1,151.31 (principal and interest) |
|
| Please call 617.547.3144 for information on our other programs. |
| Home Equity Line of Credit |
|
| Term |
APR1 |
5 Year Draw Period
20 Year Term |
3.25%
Fixed for the first 12 months. |
- No closing costs or application fee
- Interest may be tax deductible
- Same day approval
|
|
For the CPCU Credit Union home equity line of credit, the 1Annual Percentage Rate for the first 12 months is a fixed introductory rate of prime rate, currently 3.25% and then prime rate for the remaining term of the line. As of 06/18/10, the prime rate is 3.25% as published in the Wall Street Journal. 1APR is annual percentage rate. APR may vary but will not exceed 18% or drop below 3.99%. Approval of a home equity line or loan requires that you meet our credit criteria, income ratios and loan to value guidelines. Minimum approved credit line or loan is $5,000. Minimum advance of $5,000 at closing. Additional terms and conditions may apply. Maximum loan to value of 80%. Property must be 1- 4 family owner occupied and property insurance is required. This offer is good for new home equity credit line members only. Consult your tax advisor regarding the tax benefits available to you. |
| Fixed Home Equity Loan |
|
| Term |
Rate |
APR1 |
Payment
per $1,000 |
| 20 Year |
6.875% |
6.875% |
$7.68 |
| 15 Year |
6.625% |
6.625% |
$8.78 |
| 10 Year |
6.250% |
6.250% |
$11.23 |
| 7 Year |
6.125% |
6.125% |
$14.67 |
| 5 Year |
5.750% |
5.750% |
$19.22 |
| 3 Year |
5.750% |
5.750% |
$30.31 |
1APR: Annual Percentage Rate
Approval of a Home Equity Loan requires that you meet our credit criteria, income ratios and loan to value guidelines. Property must be owner occupied and property insurance is required. Offer may be withdrawn at any time without notice. Consult your tax advisor regarding the tax benefits available to you. Additional terms and conditions may apply.
|
| New or Used Auto Loan |
|
| Terms |
APR1 (as low as)2 |
Payment
per $1,000 |
| 24 Months |
5.25% |
$43.98 |
| 36 Months |
5.25% |
$30.08 |
| 48 Months |
5.25% |
$23.14 |
| 60 Months |
5.75% |
$18.99 |
| 72 Months |
6.75% |
new only |
| 84 Months |
7.000% |
new only |
1APR: Annual Percentage Rate
2Rate is based on credit score criteria
Max LTV =100% NADA Retail
Maximum Loan Amount=$80k/60k
|
| Recreational Vehicles/Boats/Motorcycles |
|
| Maximum Loan Amount |
APR1
(as low as2 ) |
Payment
per $1,000 |
Terms |
| $80,000 |
7.99% |
$24.40 |
Up to 48 months |
1 APR: Annual Percentage Rate. All rates are subject to change without prior notice.
2 Rate is based on credit score criteria
Max LTV New =80% MSRP Retail
Max LTV Used =80% MSRP Retail
Cost per $1,000 based on a term of 60 months.
|
| Personal Loans |
|
| Maximum Loan Amount |
APR1
(as low as2 ) |
Payment
per $1,000 |
Terms |
| $20,000 |
10.99% |
$88.38 |
Up to 48 months |
1 Annual Percentage Rate. Approval of a personal loan requires that you meet our credit criteria, income ratios. Additional terms and conditions may apply.
Cost per $1,000 based on a term of 60 months.
|
| Secured Loans |
|
| Maximum Loan Amount |
Standard APR1 |
Payment
per $1,000 |
Terms |
| up to 90% of savings account balance |
4.90%2 |
$18.83 |
Up to 60 months |
1 APR: Annual Percentage Rate
2 Passbook or statement savings account rate plus a margin of 4.5%. Additional terms and conditions may apply.
Cost per $1,000 based on a term of 60 months.
|
| Visa ® Credit Card Rates |
| Credit Card Type |
APR1 |
Minimum/Maximum |
| Visa ® Platinum |
7.24%* |
up to $30,000 |
| Visa ® Platinum Rewards |
7.24%* |
up to $30,000 |
| Visa ® Platinum Secured |
7.24%* |
$500/$2,000 |
1 APR: Annual Percentage Rate
* Rates as low as. View tiered rates here.
|
| Overdraft Protection Plan |
|
| Maximum Loan Amount |
Standard APR1 |
Payment
per $1,000 |
Terms |
| $5,000 |
18% |
$50 |
Open End |
1 APR: Annual Percentage Rate
Payment per $1,000 based on a term of 48 months.
|
|
|
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