Personal

Whether you’re planning to purchase a car, consolidate bills, buy a computer, or take a vacation ---- we have a variety of loans to meet your needs and budget. You’ll find that our competitive rates and convenient terms help keep your payments affordable.

Auto Loans

Auto loans are available with flexible terms and competitive rates. We even offer 100% financing to qualified applicants for both new and used cars. We can even pre-approve you before you go shopping.

Recreation Loans

Let the credit union help you to purchase a camper, trailer, or RV to vacation with. We can help make that happen. You’ll find that our competitive rates and convenient terms help keep your payments affordable.

VISA Credit Card

An HTM Credit Union VISA card is convenient and easy to use. With our low interest rates and no annual fee, you'll save money. Applying is easy! Simply come in to the Credit Union and fill out an application. Credit Lines from $500.00 to $10,000.00. 
Click here to check out your credit card information online

Home Loans

Whether you're planning to purchase a new home or refinancing, we have the mortgage for you. We offer competitive fixed rates and flexible terms on owner occupied properties. We also offer FHA, VA, first time home buyer loans and other mortgage products through our partnership with Allanach Mortgage Group. For more information, call us at 978-374-7386. Click here to apply.

Fixed Rate Home Equity

Now Available!

Home Equity Line of Credit

If you want the flexibility of ready cash to remodel your home, consolidate your debt, buy a new car or manage unexpected expenses a home equity line of credit may be the best option for you.

• Check access for an easy hassle-free way to get the cash you need
• 5 year draw, ten year pay back, total of 15 years

The rate will be equal to the Wall Street Journal Prime Lending Rate as published in the Wall Street Journal at the beginning of each monthly billing cycle. This is a variable rate, subject to change. The maximum annual percentage rate (APR) is 18%. No annual fees or closing costs.

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