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• FREE Checking
• No minimum balance required
• Debit Card/ATM available
• Unlimited check writing
• Monthly statements
Any Questions?
Email, call or stop by the HTM Credit Union office.
REGULAR SHARE
SAVINGS ACCOUNT
Deposits can be made:
• Payroll deduction,
Direct Deposit, ACH
• ATM
• Mail
• Over-the-counter at the credit union office
Withdrawals
can be made:
• Over-the-counter
at the credit union office
• ATM (participating in the SUM network)
• HTM Credit Union Internet Banking
Benefits:
• Earn competitive
dividends. Click here for current rates.
• Dividends are compounded quarterly
• Quarterly Statements
*Your savings are
federally insured to $250,000.00 by National Credit Union
Administration (NCUA)
a United States
Government Agency.
**Your credit union has made sure that no portion of your share
accounts will be uninsured, up to certain legal limits.
Massachusetts Credit Union Share Insurance Corporation (MSIC)
insures your savings that exceed the federal deposit insurance
limit generally $250,000.00 per insured account holder.
Any Questions?
Email, call or stop by the HTM Credit Union office.
CERTIFICATES
Minimum Balance – With a minimum balance of $1000.00, your funds
will be earning higher dividends
Dividends –
Dividends are compounded monthly. All certificates are subject
to an early withdrawal penalty of 3 months’ dividends.
Certificates are
automatically renewed unless you instruct the credit union to do
otherwise.
Any Questions?
Email,
call or stop by the HTM Credit Union office.
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.
REAL ESTATE LOANS
HTM Credit Union is proud to offer our members Federally Secure
Mortgage Programs - FHA, VA, Rural Housing, and Reverse
Mortgages. Several Options for members looking to purchase or
refinance and receive cash out. 96.5% and 100% financing
available.
FHA/FHA 203K
Purchases or Refinances with lower Fico scores and higher LTV's.
Solid fixed rate loans. Also loan rehabilitation on new or
current homes.
VA Mortgages
30 Year Fixed Rates 100% Financing No PMI Available on a
purchases and 90% ltv cash out.
Reverse Mortgages
A valuable financial tool for seniors, 62 and older. This
mortgage option gives them the opportunity to increase their
monthly cash flow so they may live their life to the fullest.
Rural Housing
100% financing on purchases in small suburban/rural areas. No
PMI.
Conventional
Very Competitive Fannie Mae and Freddie Mac Rates
PLEASE CLICK TO VIEW
ALL RATES
24 HOUR APPROVAL – PLEASE CLICK
HERE
TO APPLY
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.
VEHICLE LOANS
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.
CONSUMER LOANS
Personal Loans
● Consolidate bills, pay off high-interest credit cards, or meet
other expenses.
● Check rates and terms.
Secured Loans
Secure a loan with savings, CDs and eligible stock as
collateral.
Christmas and Vacation Loans
Summer Savings
A great way for teachers to have access to
money during the summer months. Click here for current rates.
Christmas Club
A great savings tool for all of your needs
during the holiday season. Click here for current rates.
Vacation Club
Save for that dream vacation! Click here for
current rates.
Check rates and terms
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