Rates as of February 1, 2019
Dividend Rates
Account Name |
Min. Balance to Earn Dividends |
Dividend Rate |
APY 1 |
Main Share |
$5.00 (Minimum to open = $5) |
0.10% |
0.10% |
Club Accounts |
$25.00 (Minimum to open = $0) |
0.10% |
0.10% |
NOW Accounts Checking Tier |
$25.00 (Minimum to open = $0) |
0.05% |
0.05% |
IRA & Roth IRA Savings |
$25.00 |
0.50% |
0.50% |
WINcentive Savings |
$5.00 |
0.10% |
0.10% |
Money Market Tier I 2 |
$1,000.00 |
0.15% |
0.15% |
Money Market Tier II 2 |
$20,000.00 |
0.60% |
0.60% |
Money Market Tier III 2 |
$50,000.00 |
0.85% |
0.85% |
Certificate Rates*
Account Name |
Min. Balance to Earn Dividends* |
Dividend Rate |
APY 1 |
3 Months |
$500.00 |
.45% |
.45% |
6 Months |
$500.00 |
.65% |
.65% |
8 Months |
$500.00 |
.70% |
.70% |
12 Months 3 |
$500.00 |
1.34% |
1.35% |
13 Months Special 3, 4 |
$500.00 |
2.03% |
2.05% |
18 Months 3 |
$500.00 |
1.44% |
1.45% |
23 Months Special 3, 4 |
$500.00 |
2.86% |
2.90% |
24 Months 3 |
$500.00 |
1.64% |
1.65% |
30 Months 3 |
$500.00 |
1.73% |
1.75% |
34 Month Bump-Up Special+ |
$500.00 |
1.93% |
1.95% |
36 Months 3 |
$500.00 |
2.03% |
2.05% |
46 Month Bump-Up Special+ |
$500.00 |
2.18% |
2.20% |
48 Months 3 |
$500.00 |
2.27% |
2.30% |
58 Month Bump-Up Special+ |
$500.00 |
2.52% |
2.55% |
60 Months 3 |
$500.00 |
2.62% |
2.65% |
Jumbo |
Jumbo/3 Months |
$50,000.00 |
.55% |
.55% |
Jumbo/6 Months |
$50,000.00 |
.75% |
.75% |
Jumbo/8 Months |
$50,000.00 |
.80% |
.80% |
Jumbo/12 Months 3 |
$50,000.00 |
1.44% |
1.45% |
Jumbo/18 Months 3 |
$50,000.00 |
1.54% |
1.55% |
Jumbo/24 Months 3 |
$50,000.00 |
1.73% |
1.75% |
Jumbo/30 Months 3 |
$50,000.00 |
1.83% |
1.85% |
Jumbo/36 Months 3 |
$50,000.00 |
2.13% |
2.15% |
Jumbo/48 Months 3 |
$50,000.00 |
2.37% |
2.40% |
Jumbo/60 Months 3 |
$50,000.00 |
2.71% |
2.75% |
or on the 46-month certificate if the then current APY for City of Boston Credit Union’s 46-month certificate or 48-month certificate is above 1.95% or on the 58-month certificate if the then current APY for City of Boston Credit Union’s 58-month certificate or 60-month certificate is above 2.30%. In no event can the bump-up rate exceed the then current rate for the certificate. Upon maturity, 34- and 58-month Bump-Up Certificates will automatically rollover into the member’s City of Boston Credit Union share account. No IRA's available.
Mortgages - No Points!
-
Call for rates on 2nd homes and "jumbo" mortgages**
-
Payments shown do not include taxes or insurance. Your payment may be greater
-
NMLS #403469
Rates as of February 1, 2019
Mortgage Rates
Products |
Term |
A.P.R.* |
Monthly cost per $1,000 Borrowed |
5/25 Year ARM (Adjustable Rate) {2 step fixed rate} [cap:4%]*** |
360 months |
4.000% |
60 months at $4.77 per $1,000 and 300 months at $4.90 per $1,000 |
7/23 Year ARM (Adjustable Rate) {2 step fixed rate} [cap:4%]*** |
360 months |
4.250% |
84 months at $4.92 per $1,000 and 276 months at $5.04 per $1,000 |
10 Year Fixed Rate |
|
4.250% |
$10.24 per $1,000 for 120 months |
15 Year Fixed Rate |
|
4.375% |
$7.59 per $1,000 for 180 months |
20 Year Fixed Rate |
|
4.625% |
$6.39 per $1,000 for 240 months |
30 Year Fixed Rate |
|
4.750% |
$5.22 per $1,000 for 360 months |
First Time Home Buyer Program |
|
4.500% |
$5.07 per $1,000 for 360 months |
Equity Loans & Lines of Credit
-
NMLS #403469
-
Max. amount $250,000.00+
Rates as of February 1, 2019
Equity Loans & Lines of Credit Rates
Products |
Max. Loan Amount |
A.P.R.* |
Monthly cost per $1,000 Borrowed |
5 Years Fixed Rate |
$250,000 |
4.250% |
$18.53 per $1,000 for 60 months |
10 Year Fixed Rate |
$250,000 |
4.500% |
$10.36 per $1,000 for 120 months |
15 Year Fixed Rate |
$250,000 |
5.250% |
$8.04 per $1,000 for 180 months |
20 Year Fixed Rate |
$250,000 |
5.990% |
$7.16 per $1,000 for 240 months |
Line of Credit Adjustable @ Prime (4.5% minimum APR)++ |
$250,000 |
5.500% |
A |
Rates as of February 1, 2019
Consumer/Other Loan Rates
Products |
Credit
Score |
Max. Term
|
Max.Loan
Amount |
A.P.R.* |
Monthly cost per $1,000 Borrowed |
RV - New |
|
120 months |
$50,000 |
7.25% |
11.74 |
RV - Used |
|
120 months |
$40,000 |
7.50% |
11.87 |
Personal Loans++ |
760+ |
96 months |
$30,000 |
6.99% |
13.63 |
|
720-759 |
96 months |
$30,000 |
9.99% |
15.17 |
|
660-719 |
96 months |
$30,000 |
12.99% |
16.80 |
|
600-659 |
96 months |
$30,000 |
14.99% |
17.94 |
|
599 & Below |
96 months |
$30,000 |
16.99% |
19.12 |
Tuition /Private Education Loan |
760+ |
96 months |
$25,000 |
7.50% |
13.88 |
|
720-759 |
96 months |
$25,000 |
8.00% |
14.14 |
|
660-719 |
96 months |
$25,000 |
8.50% |
14.39 |
|
600-659 |
96 months |
$25,000 |
9.00% |
14.65 |
|
599 & Below |
96 months |
$25,000 |
10.99% |
15.70 |
Secured Loans - Secured by Main Share Account |
|
|
|
3.25% |
A |
Home Improvement Loans+++ |
760+ |
180 months |
$50,000 |
5.99% |
8.43 |
|
720-759 |
180 months |
$50,000 |
6.99% |
8.98 |
|
660-719 |
180 months |
$35,000 |
8.99% |
10.14 |
|
600-659 |
180 months |
$15,000 |
10.99% |
11.36 |
|
599 & Below |
180 months |
$5,000 |
12.99% |
12.65 |
Energy Loans |
|
12 months |
$5,000 |
8.99% |
87.45 |
Vacation Loan |
|
12 months |
$5,000 |
8.99% |
87.45 |
Back to School Loan |
|
12 months |
$5,000 |
8.99% |
87.45 |
Holiday |
|
12 months |
$5,000 |
8.99% |
87.45 |
VISA Credit Card Rates
Card Type |
Max. Term |
A.P.R.* |
Monthly cost per $1,000 Borrowed |
Visa® Signature Credit Card++++
(max. loan amount $20,000) |
Open End |
3.990% |
varies |
Visa® Platinum Credit Card++++
(max. loan amount $20,000) |
Open End |
3.990% |
varies |