APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Rates effective as of October 1, 2020. Fees may reduce earnings.

All rates are subject to change without notice.


Deposit Rates

Kasasa Cash®* Learn More

Balance Minimum Opening Deposit Dividend Rate APY
0 to $20,000 $100 1.98% 2.00%
$20,000+ $100 0.25% 2.00% to 0.54%
All balances if qualifications not met $100 0.05% 0.05%

Qualifications to Earn Rewards

Earning the full rewards is so easy, you're probably already doing it! Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • At least one direct deposit, ACH payment, or bill pay transaction
  • Be enrolled in and agree to receive eStatements

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Kasasa Saver®* Learn More

Balance Minimum Opening Deposit Dividend Rate APY
0 to $50,000 $25 0.50% 0.50%
$50,000+ $25 0.15% 0.50% to 0.27%
All balances if qualifications not met $25 0.05% 0.05%

Qualifications to Earn the Higher Rate

Qualifying for Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver rate too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • At least one direct deposit or ACH payment transaction
  • Be enrolled in and agree to receive eStatements

It's no problem if you miss a qualification cycle. Both accounts are still free. And you can get back to earning rewards the very next month you qualify.

Savings Rates

Account Dividend Rate APY** Minimum Opening Balance Required to earn APY
Statement Savings 0.05% 0.05% $5.00

**Annual Percentage Yield (APY) is subject to change without notice.  For further information about applicable fees and terms, please contact a member service specialist. 

Certificate / IRA Learn More

Term Dividend Rate APY** Minimum Opening Balance Required to earn APY
7-31 Day Jumbo Certificate 0.100% 0.100% $35,000
45-90 Day Jumbo Certificate 0.100% 0.100% $35,000
4 Month Special**** 0.550% 0.550% $500
6 Month 0.300% 0.300% $500
9 Month 0.400% 0.400% $500
12 Month 0.500% 0.500% $500
14 Month 0.600% 0.600% $500
18 Month 0.700% 0.702% $500
30 Month 0.750% 0.753% $500
36 Month 0.800% 0.803% $500
48 Month 0.850% 0.853% $500
60 Month 0.900% 0.904% $500

**Annual Percentage Yield (APY) is subject to change without notice.  For further information about applicable fees and terms, please contact a member service specialist.

****4 month Certificate of Deposit special Annual Percentage Yield (APY) is valid as of August 20, 2020.  Minimum balance to open is $500.  Money cannot come from an existing ACU account.  Must be an ACU member and maintain a $5 savings account.  Limited time offer.  Subject to change without notice.

Early withdrawal penalty may apply on the Certificate of Deposits.

Money Market Learn More

Balance Dividend Rate APY** Minimum Opening Balance Required to earn APY
$25 - $999.99 0.10% 0.10% $25
$1,000 - $9,999.99 0.10% 0.10% $1,000
$10,000 - $24,999.99 0.15% 0.15% $10,000
$25,000 - $49,999.99 0.20% 0.20% $25,000
$50,000+ 0.30% 0.30% $50,000

**Annual Percentage Yield (APY) is subject to change without notice. Please ask a member service specialist regarding the terms and conditions of the money market account as fees could reduce earning on this account. Please see Schedule of Fees.


Loan Rates

Below are our current rates for Fixed Rate Mortgages, Adjustable Rate Mortgages and our Special Programs for Construction and Purchase & Rehab Loans.

Beyond the programs listed below we also offer other mortgages including USDA, FHA and VA government loans.  Please call us at (978) 249-3527 for additional information.

Please call or request a Free Consultation and we will gladly assist with the loan types and options that best fit your needs. To speak with a Loan Originator directly, please call us (978) 249-3527.

Loan Programs

Product Rate APR Payment Per $1,000
Fannie Mae Conforming Fixed Rate 30 Year Mortgages 3.125% 3.274% $4.28
Fannie Mae Conforming Fixed Rate 20 Year Mortgages 2.750% 2.957% $5.42
Fannie Mae Conforming Fixed Rate 15 Year Mortgages 2.500% 2.768% $6.67
Purchase & Rehab Fixed Rate 30 Year 3.375% 3.526% $4.42
Adjustable Rate 30 Year (Primary Residence) 3.250% 3.400% $4.35
Adjustable Rate 30 Year (Investment Property / 2nd Home) 3.500% 3.652% $4.49
Construction-to-Permanent 31 Year Loan 3.625% 3.778% $4.56
HELOC on Primary Residence (15 Year Draw + 15 Year Repay) 3.990% 4.023% $4.77
HELOC on Investment Property or 2nd Home (15 Year Draw + 15 Year Repay) 4.490% 4.641% $5.06
Home Equity 10 Year Loan on Primary Residence 4.000% 4.377% $10.12
Land / Building Lot 10 Year Loan 2.500% 2.867% $9.43

ALL Rates and APR shown are starting rates for purchase or refinance of 1-4 family owner-occupied properties in Massachusetts only. Final Rates will depend on borrower's credit, debt-to-income, loan-to-value, property type and refinance features when applicable. 

Rate and APR information is based on the example of a $100,000 loan at 60% Loan-To-Value (LTV) with a minimum FICO of 740.

**Adjustable Rate Mortgage (ARM) rates may increase after after 5 years and every 5 years thereafter. Rate increases are capped at 2% each adjustment period and 6% for the life of the loan.

USDA, FHA, VA Loans

Please call for todays starting rates.

Consumer Rates

Product Rate* Term Year of Collateral Payment Per $1,000 Borrowed**
Personal Loans (includes boats, powersports, tractors, debt consolidation) 7.95% Up to 120 Months N/A $12.11
Share Secured Loan 5.49% Up to 120 Months ACU Shares $10.85
Certificate of Deposit Secured Loan 2.00% Over CD Rate Term of CD ACU Certificate of Deposit  
Credit Builder Loan 17.99% Up to 48 Months N/A $29.39
Home Improvement Unsecured Loan 7.95% Up to 120 Months N/A $12.11

*Interest rate determined by individuals credit score.  Above rates based on 740 FICO score for auto loans.  ACU Membership is required.

**Payment per $1,000 based on FICO score of 740.

Cars, Trucks, Motorcycles, RVs, Campers Learn More

Term Rate* Year of Collateral Payment Per $1,000 Borrowed**
0-48 Months 3.49% previous 10 years or newer $22.35
49-66 Months  3.74%  previous 10 years or newer $16.79
67-75 Months  4.49%  previous 10 years or newer $15.32
75-84 Months 4.99% previous 10 years or newer and loan amount greater than $25,000 $14.13

*Interest rate determined by individuals credit score.  Above rates based on 740 FICO score for auto loans.  ACU Membership is required.

**Payment per $1,000 based on FICO score of 740.

115% Financing available on auto loans with 700+ FICO Score.  Other rates and terms available.  Rates effective as of September 17, 2019.

100% Financing on Boats, Campers, Trailers, Motor Homes, Motorcycles & Snowmobiles with 700+ FICO score.  Other rates and terms available.