Rates as of October 9, 2026
Savings Rates
Open an Account Today| Dividend Rates | |||
|---|---|---|---|
| Account Name | Min. Balance to Earn Dividends | Dividend Rate | APY1 |
| Main Share | $5.00 (Minimum to open = $5) | 0.10% | 0.10% |
| Club Accounts | $0.00 (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 | $0.00 (Minimum to open = $0) | 0.20% | 0.20% |
| Money Market Tier I2 | $1,000.00 | 0.15% | 0.15% |
| Money Market Tier II2 | $20,000.00 | 0.30% | 0.30% |
| Money Market Tier III2 | $50,000.00 | 0.50% | 0.50% |
| Money Market Tier IV2 | $100,000.00 | 1.00% | 1.00% |
1Annual Percentage Yield
2All other money market account terms apply.
APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts.
Dividends will be compounded daily and will be credited to your account monthly. This schedule is incorporated as a part of your account agreement with your Credit Union.
*Minimum balance requirements apply to average daily balance (amount of principal in account each day).
**All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors. Fees could reduce earnings.
| Share Certificate Rates* | |||
|---|---|---|---|
| Account Name | Min. Balance to Earn Dividends** | Dividend Rate | APY1 |
| 3 Months | $500.00 | 0.15% | 0.15% |
| 6 Months | $500.00 | 0.35% | 0.35% |
| 7 Months | $500.00 | 3.68% | 3.75% |
| 8 Months | $500.00 | 0.40% | 0.40% |
| 9 Months | $500.00 | 2.96% | 3.00% |
| 12 Months3 | $500.00 | 3.83% | 3.90% |
| 17 Months3 | $500.00 | 3.92% | 4.00% |
| 18 Months3 | $500.00 | 0.55% | 0.55% |
| 24 Months3 | $500.00 | 0.65% | 0.65% |
| 36 Months3 | $500.00 | 0.85% | 0.85% |
| 48 Months3 | $500.00 | 0.90% | 0.90% |
| 60 Months3 | $500.00 | 0.94% | 0.94% |
*Subject to penalty for early withdrawal
**Minimum balance to open and earn dividends
1Annual Percentage Yield
3Also available for IRA's, including ROTH
APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated.
Certificate rates remain fixed for the term of the certificate. Dividends will be compounded daily and will be credited to your account monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity.
If you have any questions or need current rate information on your accounts, please call (617) 635-4545.
Rates subject to change without notice.
Vehicle
Apply Online| New** and Used (Maximum borrowed $150,000) | |||
|---|---|---|---|
| Model Years 2025-2026 | Term | APR* | Monthly Cost Per $1,000 Borrowed |
| Up to 48 Months | As low as 4.49% up to 8.24% | $22.80/$24.53 | |
| 49 - 71 Months | As low as 4.74% up to 8.49% | $16.18/$17.97 | |
| 72 - 84 Months | As low as 4.99% up to 8.99% | $14.13/$16.08 | |
| Used (Maximum borrowed $150,000)*** | |||
|---|---|---|---|
| Model Years 2022-2024 | Term | APR* | Monthly Cost Per $1,000 Borrowed |
| Up to 36 Months | As low as 4.49% up to 8.24% | $29.74/$31.45 | |
| 37 - 60 Months | As low as 4.74% up to 8.49% | $18.75/$20.51 | |
| 61-72 Months | As low as 4.99% up to 8.99% | $16.10/$18.02 | |
| Used (Maximum borrowed $75,000)*** | |||
|---|---|---|---|
| Model Years 2021 | Term | APR* | Monthly Cost Per $1,000 Borrowed |
| Up to 36 Months | As low as 5.24% up to 9.24% | $30.08/$31.91 | |
| 37 - 48 Months | As low as 5.24% up to 9.24% | $23.14/$25.00 | |
| Used (Maximum borrowed $50,000)*** | |||
|---|---|---|---|
| Model Years 2020 | Term | APR* | Monthly Cost Per $1,000 Borrowed |
| Up to 36 Months | As low as 5.74% up to 9.49% | $30.30/$32.03 | |
| 37 - 48 Months | As low as 6.24% up to 9.74% | $23.60/$25.24 | |
| Used (Maximum borrowed $50,000)*** | |||
|---|---|---|---|
| Model Years 2019 | Term | APR* | Monthly Cost Per $1,000 Borrowed |
| Up to 36 Months | As low as 6.24% up to 9.99% | $30.53/$32.26 | |
| 37 - 48 Months | As low as 6.49% up to 10.24% | $23.71/$25.48 | |
| RV Loans (Trailers, Campers & Boats - Maximum borrowed $100,000)# | |||
|---|---|---|---|
| RV - New or Used# | Term | APR* | Monthly Cost Per $1,000 Borrowed |
| 60 Months | As low as 8.25% up to 12.25% | $20.40/$22.37 | |
| 120 Months | As low as 8.75% up to 12.75% | $12.53/$14.78 | |
*A.P.R.=Annual Percentage Rate. Rate determination is based on member’s current credit rating and down payment. All loans subject to credit approval. Other rates and terms available. Monthly Cost per $1000 is based upon the maximum loan amount shown. A.P.R.s are accurate as of the date of printing and subject to change without notice. Must be eligible for City of Boston Credit Union membership to apply.
**New vehicles have 5,000 miles or less
# 10% down payment required.
Mortgage Rates* - No Points!
Apply Online- NMLS #403469
| 10 Year Fixed Rate | |
|---|---|
| Rate | 6.125%1 |
| A.P.R.** | 6.197%1 |
| Monthly cost per $1,000 Borrowed | $11.20 per $1,000 for 120 months |
| 15 Year Fixed Rate | |
|---|---|
| Rate | 6.250%1 |
| A.P.R.** | 6.302%1 |
| Monthly cost per $1,000 Borrowed | $8.60 per $1,000 for 180 months |
| 20 Year Fixed Rate | |
|---|---|
| Rate | 7.125%1 |
| A.P.R.** | 7.173%1 |
| Monthly cost per $1,000 Borrowed | $7.86 per $1,000 for 240 months |
| 30 Year Fixed Rate | |
|---|---|
| Rate | 7.375%1 |
| A.P.R.** | 7.413%1 |
| Monthly cost per $1,000 Borrowed | $6.93 per $1,000 for 360 months |
| First Time Home Buyer Program | |
|---|---|
| Term | 360 Months |
| Rate | 7.375%1 |
| A.P.R.** | 7.413%1 |
| Monthly cost per $1,000 Borrowed | $6.93 per $1,000 for 360 months |
| 5/25 Year ARM (Adjustable Rate) {2 step fixed rate}*** | |
|---|---|
| Term | 360 Months |
| Rate | 6.500%*** |
| A.P.R.2 | 6.608%2 |
| Monthly payment example for $500,000 loan3 | 60 months at $3,160.34, followed by 300 months at $3,160.34 |
| 7/23 Year ARM (Adjustable Rate) {2 step fixed rate}*** | |
|---|---|
| Term | 360 Months |
| Rate | 6.500%*** |
| A.P.R.2 | 6.608%2 |
| Monthly payment example for $500,000 loan3 | 84 months at $3,160.34 followed by 276 months at $3,160.34 |
1Annual Percentage Rate (“APR”) and Interest Rate (“Rate”) are effective as of the listed date and are subject to change without notice.
**A.P.R. = Annual Percentage Rate
***ARM = Adjustable Rate Mortgage. ARMs and their APRs are adjustable and may change after closing. Your interest rate will be based on an index plus a margin and then rounded to the nearest 0.125%. We currently use the weekly average Yield on U.S. Treasury Securities at 10-Year Constant Maturity. Our current margin is 2.375% as of 9/30/2025 (your margin may be different, ask for our current interest rate and margin). As of week ending 9/26/2025 the Index was 4.16% + 2.375 = 6.535. We then round that to determine the simple annual rate of interest that will apply currently 6.5%.
2APR based on $500,000 loan with a 1% origination fee + other closing costs.
3 Payments were determined based on the application of the sum of an index and margin and rounding based on a reasonably current index and margin and a loan example of $500,000. Your loan amount and payments may differ. The $500,000 amount was used as a representative example. You will be provided disclosures within three days of application with more precise details.
All payments above do not include taxes and insurance; your payment may be greater.
For all mortgage loans; Complete application required, with approval subject to meeting underwriting qualifications. Maximum loan amount for listed rates are tied to the secondary market maximums. For 2025, the maximum loan amount is $806,500. For properties in Suffolk, Norfolk, and Middlesex counties, the maximum loan amount is $914,250. Jumbo loans up to $1,500,000 are available at higher rates. Available on owner occupied, 1-4 unit, purchase transactions. Fees and closing costs may apply. This rate and APR are not available for programs offering discounted rates or closing costs. Must be eligible for City of Boston Credit Union membership to apply. Subject to Credit and Underwriting approval. Property insurance required. Flood insurance may be required. Appraisal fee may be required. Consult a tax advisor regarding the deductibility of interest. Other terms may apply.
All loans are subject to credit approval. A.P.Rs are subject to change at anytime without prior notice.Equity Loans & Lines of Credit
Apply Online- NMLS #403469
- Max. amount $250,000.00
| 5 Year Fixed Rate | |
|---|---|
| Max. Loan Amount | $250,000 |
| Rate** | 5.99% |
| A.P.R.** | 6.136% |
| Monthly cost per $1,000 Borrowed | $19.40 per $1,000 for 60 months |
| 10 Year Fixed Rate | |
|---|---|
| Max. Loan Amount | $250,000 |
| Rate** | 7.000% |
| A.P.R.** | 7.061% |
| Monthly cost per $1,000 Borrowed | $11.64 per $1,000 for 120 months |
| 15 Year Fixed Rate | |
|---|---|
| Max. Loan Amount | $250,000 |
| Rate** | 7.250% |
| A.P.R.** | 7.310% |
| Monthly cost per $1,000 Borrowed | $9.16 per $1,000 for 180 months |
| 20 Year Fixed Rate | |
|---|---|
| Max. Loan Amount | $250,000 |
| Rate** | 7.750% |
| A.P.R.** | 7.773% |
| Monthly cost per $1,000 Borrowed | $8.22 per $1,000 for 240 months |
| FLEX Home Equity Line of Credit Adjustable^^ | |
|---|---|
| Max. Loan Amount | $250,000 |
| Rate** | 5.24% Introductory Rate (12 Months) then Prime minus 1.00%*** |
| Minimum Payment Example | **** |
| Home Equity Line of Credit† | |
|---|---|
| Max. Loan Amount | $250,000 |
| Rate** | Prime minus .25% |
| Minimum Payment Example | †† |
*These rates reflect the best rates available for the indicated terms and are subject to change at any time. Rates are determined by creditworthiness, loan to value (LTV) ratio, purpose of loan, occupancy status, and property type. Maximum combined loan to value is 80%. Other terms may apply.
**A.P.R. = Annual Percentage Rate. "Rate" = Interest Rate.
^^Variable rate based on Wall Street Journal's weekly Prime Rate index. As of 9/17/2026 the prime rate is 7.00%. Minimum credit score to qualify for this product is 640. The maximum APR under this plan would be 18.00%. Minimum APR is 5.00%. These rates reflect the best rates available for the indicated terms and are subject to change at any time. Maximum combined loan to value is 80%. This loan has a 10 year draw period with interest only payments, followed by a 10 year repayment period with principal and interest payments. A settlement recapture fee of $499 applies for lines closed within thirty-six (36) months from date of closing. Available on owner occupied, 1-4 unit properties. Property insurance required. Flood insurance may be required. Appraisal fee may be required. Consult a tax advisor regarding the deductibility of interest. Other terms may apply.
***Introductory rate for the first 12 months of 5.24%, followed by a rate of Prime minus 1.00% for the remaining life of the loan. Minimum credit score to qualify for this product is 640.
****Minimum Payment Example: if you made only the minimum monthly payments and took no other credit advances, it would take 240 months to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE OF 5.24% during the first 12 months followed by an APR of 6.00% for the remaining term. During that period you would make 12 monthly payments varying between $44.50 and $40.20, then 108 monthly payments varying between $46.03 and $50.96 in the draw period followed by 119 monthly payments varying between $134.29 and $84.18 in the repayment period and a final payment of $83.76.
†Variable rate based on Wall Street Journal’s weekly Prime Rate index minus .25%. As of 9/17/2026 the prime rate is 7.00%. This loan product is for credit scores of 639 and below. The maximum APR under this plan would be 18.00%. Minimum APR is 5.00%. These rates reflect the best rates available for the indicated terms and are subject to change at any time. Maximum combined loan to value is 80%. This loan has a 10-year draw period with interest-only payments, followed by a 10-year repayment period with principal and interest payments. A settlement recapture fee of $499 applies for lines closed within thirty-six (36) months from the date of closing. Available on owner occupied, 1-4 unit properties. Property insurance required. Flood insurance may be required. Appraisal fee may be required. Consult a tax advisor regarding the deductibility of interest. Other terms may apply.
††Minimum Payment Example: if you made only the minimum monthly payments and took no other credit advances, it would take 240 months to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 6.75%. During the loan period, you would make 120 monthly payments varying between $51.78 and $57.33 in the draw period followed by 119 monthly payments varying between $140.66 and $84.29 in the repayment period and a final payment of $83.81.
All loans are subject to credit approval. A.P.Rs are subject to change at anytime without prior notice.
Consumer Loans
Apply Online| Consumer/Other Loan Rates | |||||
|---|---|---|---|---|---|
| Products | Loan Amount | Credit Score | A.P.R.* | Monthly cost per $1,000 Borrowed | |
| Personal Loans | $5,000 (Max. Term 36 months) | 760+ | 12.99% | 33.69 | |
| 720-759 | 14.99% | 34.66 | |||
| 660-719 | 16.99% | 35.65 | |||
| 600-659 | 17.99% | 36.15 | |||
| 599 & Below | 17.99% | 36.15 | |||
| Personal Loans | $10,000 (Max. Term 48 months) | 760+ | 12.99% | 26.82 | |
| 720-759 | 14.99% | 27.83 | |||
| 660-719 | 16.99% | 28.85 | |||
| 600-659 | 17.99% | 29.37 | |||
| 599 & Below | 17.99% | 29.37 | |||
| Personal Loans | $15,000 (Max. Term 60 months) | 760+ | 13.99% | 23.26 | |
| 720-759 | 15.99% | 24.31 | |||
| 660-719 | 17.99% | 25.39 | |||
| 600-659 | 17.99% | 25.39 | |||
| 599 & Below | 17.99% | 25.39 | |||
| Personal Loans | $30,000 (Max. Term 72 months) | 760+ | 13.99% | 20.60 | |
| 720-759 | 15.99% | 21.69 | |||
| 660-719 | 17.99% | 22.80 | |||
| 600-659 | 17.99% | 22.80 | |||
| 599 & Below | 17.99% | 22.80 | |||
| Tuition (K-12) and/or College Education Loan (undergraduate/graduate) | $25,000 (96 months) | 760+ | 7.50% | 13.88 | |
| 720-759 | 8.00% | 14.14 | |||
| 660-719 | 8.50% | 14.39 | |||
| 600-659 | 9.00% | 14.65 | |||
| 599 & Below | 10.99% | 15.70 | |||
| Savings Secured Loan**** | (72 months) | 3.10%**** | 15.24 | ||
| Share Certificate Secured Loan***** | (12 months example) | 3.50%***** | 84.92 | ||
| Holiday Loan^ | $5,000 (Max. Term 12 months) | 12.99% | 89.31 | ||
| Back to School Loans | $5,000 (Max. Term 18 months) | 760+ | 12.99% | 61.44 | |
| 720-759 | 14.99% | 62.38 | |||
| 660-719 | 16.99% | 63.33 | |||
| 600-659 | 17.99% | 63.80 | |||
| 599 & Below | 17.99% | 63.80 | |||
| Vacation Loans | $5,000 (Max. Term 18 months) | 760+ | 12.99% | 61.44 | |
| 720-759 | 14.99% | 62.38 | |||
| 660-719 | 16.99% | 63.33 | |||
| 600-659 | 17.99% | 63.80 | |||
| 599 & Below | 17.99% | 63.80 | |||
| Energy Loans | $5,000 (Max. Term 18 months) | 760+ | 12.99% | 61.44 | |
| 720-759 | 14.99% | 62.38 | |||
| 660-719 | 16.99% | 63.33 | |||
| 600-659 | 17.99% | 63.80 | |||
| 599 & Below | 17.99% | 63.80 | |||
| Home Improvement Loan^^ | $30,000 (Max. Term 120 months) | 12.99% | 120 monthly payments of $14.93 | ||
| Mass Save® HEAT Loan*** | $25,000 (84 months) | 0.00% | 11.91 | ||
| 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 | 6.990% | varies | ||
| Visa® Platinum Credit Card++++ (max. loan amount $20,000) | Open End | 6.990% | varies | ||
*A.P.R. = Annual Percentage Rate.
+Other rates available based on term of financing and credit score. Annual Percentage Rate is based on member's current credit rating. Please contact a Loan Representative at 617-635-4545 for more information.
++++6.99% Introductory APR for the first twelve (12) billing cycles, thereafter APR is based on member’s credit rating at account opening. Balance transfer rate is 3.99% APR for twelve (12) months, from date of transfer.
# A.P.R. reflects credit score of 760 or above. Other rates available for different scores. 10% down payment required.
A - This payment would be dependent upon the term of the loan.
*** Members must meet program eligibility requirements to participate. Eligibility for the HEAT Loan is based on findings from the Home Energy Assessment and require pre-approval. Some restrictions apply and offers are subject to change or cancellation. Owner occupied properties only. Additional terms and conditions apply. Visit www.MassSave/HEATLoan or call 1-866-527-SAVE (7283) for details and to learn more about the program.
**** Annual Percentage Rate (APR) will be the dividend rate of the Share Savings securing the loan plus 3.00%.See savings rates section for current dividend rates. For example, a loan secured by a Main Share account would have an APR of 3.10%.
***** Annual Percentage Rate (APR) will be the dividend rate of the Share Certificate securing the loan plus 3.00%. Loan term may not exceed the maturity of the Share Certificate securing the loan. See savings rates section for current dividend rates. For example, a loan secured by a 12-Month term Share Certificate would have an APR of 3.50%.
^ Members may automatically qualify for Holiday Loan if certain requirements are met: 1.) Loan requested for $3,000 or less. 2.) 12 consecutive months payment history on any CBCU loan product, active or closed within last 30 days. 3.) No loan delinquency in the last 12 months on any CBCU loan. 4.) Maximum aggregate unsecured loan/credit card balances of $30,000. Failure to meet these requirements will warrant standard underwriting. Aggregate unsecured loan/credit card balances above $30,000 will warrant additional review.
^^Available on Owner-Occupied 1-4 family homes and condominiums. No second home or investment properties are eligible. All individuals listed on title must be a borrower (no Trusts, Living Wills, or Life Estates). Minimum loan amount of $5,000. Maximum loan amount of $30,000. This product is for properties with a Loan-to-Value of greater than 80%. Maximum Loan-to-Value (LTV) of 115% of mortgage obligations and no lower than 3rd lien position. Loan is secured by a UCC filing on the improvements being financed. UCC filing fee required. Property value will be determined by a property evaluation. Minimum credit score of 640. Maximum debt-to-income (DTI) ratio of 45%.
All loans are subject to credit approval. A.P.Rs are subject to change at anytime without prior notice.