Tewksbury Federal Credit Union, Tewksbury, Massachussetts Home Banking Login

Rates

Share Rates
Account Type Minimum Dividend Balances Dividend Rates APY*
Regular Shares (Savings) $100  .15%  .15%
Drafts/Checking $100  .05%  .05%
IRA $100  .35%  .35%
Escrow $100  .15%  .15%
Holiday Club $100  .35%  .35%
  • All rates effective as of January 1, 2014.
  • All share account dividends are earned on the average daily balance (unless otherwise noted) and are posted and compounded monthly. All share account rates are Variable Rates (unless otherwise noted).
  • *APY stands for Annual Percentage Yield. Certain assumptions apply. See our Truth-In-Savings disclosure concerning dividend calculation methods and restrictions. Rates are subject to change monthly. Not responsible for typographical errors or omissions.
  • Fees may reduce the earning on the acount.
  • Rates may change after the account is opened.
  • On Club Accounts an early withdrawal penalty may be impossed. 
IRA & Share Certificate Rates 
Account Type Minimum Deposit Balances Dividend Rate APY*
6 Month $500  .35%  .35%
12 Month $500  .50%  .50%
11 Month $500  .45%

 .45%

18 Month $500  .85%  .85%
24 Month $1,000  .95%  .95%
36 Month $1,000 1.10% 1.11%
48 Month $1,000 1.25% 1.26%
60 Month $10,000

1.48%

1.50%

 

  • All rates effective as of January 1, 2014, all rates are subject to change.
  • All certificate dividends are earned on the actual certificate balance (unless otherwise noted) and are posted and compounded monthly. Penalties exist for early withdrawal.
  • Ten days before maturity a notice will be sent for you to decide what action you want.  Otherwise the certificate will be rolled for the same term with the new current rate.
  • Member has the option to have dividends transferred to share account, or check mailed.
  • *APY stands for Annual Percentage Yield. Certain assumptions apply. See our Truth-In-Savings disclosure concerning dividend calculation methods and restrictions. Rates are subject to change. Not responsible for typographical errors or omissions.
  • Minimum  Deposit Balance will earn the APY.

Money Market Account Rates
Account Type Minimum Deposit Balances Dividend Rates APY*
Money Market $1,500  .20%  .20%
  $10,000  .35%  .35%
$50,000  .50%  .50%

  • All rates effective as of January 1, 2014, all rates are subject to change.
  • Rates are subject to change weekly.
  • Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Money Market dividends are calculated on the full balance using the highest applicable dividend rate. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings. Refer to TFCU's Truth-in-SavingsDisclosures and Account Agreement and Schedule of Fees and Service Charges.
    Loan Rates
    Loan Type Rate Type APR* Terms
    Credit Card Mastercard Fixed 9.9%-13.9% APR - 9.9%-13.9%
    Grace period for repayment of the balances for purchases - 25 days.
    Method of computing balance - Average Daily Balance(including new purchases).
    Minimum finance charge - none.
    Transaction fee for purchases - none. No Annual Fee.
    Signature Fixed As low as 4.00% If direct deposit or deducted thru payroll and other rewards
    New & Used Vehicle Fixed As low as 3.00%  New Money as low as 1.99% If direct deposit or deducted thru payroll and other rewards
    New & Used Recreational Fixed As low as 5.00% If directed or deducted thru payroll and other rewards
    Shares Secured
    Variable
    2% above share or certificate pledged.
    IRA's can't be pledged
    Revolving Line of Credit
    Fixed
    As low as 12.5%
    If direct deposit or  deducted thru payroll.
    Overdraft Loan Protection
    Fixed
    As low as 13.5%
    Payment is 10% of balance monthly
    Home Equity Line of Credit $10,000 to $250,000
    Variable & Fixed
    Contact Credit Union for current rates
    10, 15 or 20 years.  Rates change more frequently.  Call for rates and rewards. 
    First Mortgage Loans We may assume a mortgage, if less than 20 years, 300k or less and if we have funds available. Contact Credit Union for current rates

    • Effective January 1, 2014- all rates are subject to change.
    • All loan rates are stated as annual percentage rates and are subject to change.
    • * APR stands for Annual Percentage Rate.
    • Membership is required.
    • Sample Loan Payment: $1000.00 at 12.9% APR for a three year term (36 monthly payments) equals $33.66 per month.

     

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    News & Events
    Read the latest news at Tewksbury FCU.

    CU Closings
    Monday, January  20, 2014
    Monday, February 17, 2014

    ATM