When you’re looking for excellent rates on loan products, look no further – HTM Credit Union has the competitive rates you’re looking for.


All rates effective as of June 28, 2018.

Loan Rates
Loan Type APR Incentives Facts
New Autos
Includes 2018-2017-2016
100% financing
as low as 1.99% Payroll Deduction
Summer Skip*
Holiday Skip a Pay*
Save as you Pay
Up to 100% Financing
Our guidelines follow the NADA book value
Used Autos
Includes 2015-2010
95% financing
as low as 2.95% Payroll Deduction
Summer Skip*
Holiday Skip a Pay*
Save as you Pay
Up to 95% Financing
Our guidelines follow the NADA book value
Used Autos
2009 and older
as low as 3.99% Easy Payment Options Up to 95% Financing
Our guidelines follow the NADA book value
Personal as low as 9.9% Payroll Deduction
Summer Skip*
Holiday Skip a Pay*
Cash out for holidays, trips or other needs
Debt Consolidation
Up to $15,000.00
as low as 10.75% Consolidate those bills Consolidate into one easy monthly payment
Mass Save Heat Loans
Up to $20,000.00
0% Home Improvements No fees 0%
Mortgages Call for more information Call for more information Call for more information
Overdraft Line of Credit 15% Worry free check writing Applies to checking accounts only
VISA Cards
Up to $10,000.00
as low as 8.99% Low Interest Rate Balance transfers Accepted Worldwide
Recreation Vehicles as low as 3% over auto rates Payroll Deduction Life is more fun
Share Collateral as low as 4% over highest term share rate Borrow against your own money at a low interest rate Great Rate

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We offer many incentives when you finance with the HTM. Automatic Payroll deductions and “Save as You Pay” options.
*Summer Skip and *Holiday Loan Skip a Pay in December or January for qualifying members, please call us at 978.374.7386 for more details.
Loans are subject to approval by the credit committee and borrower’s ability to pay. Title fees may be charged when necessary.
This credit union is federally insured by National Credit Union Administration - NCUA.