Secure the money you need today with a loan from St. Anne’s Credit Union. Whether you're looking to consolidate debt, finance a home improvement, cover unexpected expenses, or treat yourself to a new vehicle, we can help. If you have any questions regarding the type of loan is right for you, please contact us at 508-730-LOAN to book an appointment, and we're happy to help you through the process.
Mortgage Loans
We offer help throughout the home buying and finance process – from improving your credit score, providing pre-qualification to closing, and beyond.
St. Anne’s Credit Union is named one of the top 10 Massachusetts Lenders in 2023/2024 by Banker & Tradesman with a full range of competitive solutions including:
Fixed and Adjustable Rate Mortgages
Land Purchase
One-Step Construction Mortgage
No Closing Cost Program
Jumbo Mortgages
First-time Homebuyer Programs
MassHousing Loans
Refinancing
Down Payment & Closing Cost Assistance Programs
St. Anne’s offers even more options to get you into the home of your dreams.
The Equity Builder Program** (EBP) provides grants to financial institutions to help local first-time homebuyers with down payments and closing costs as well as homebuyer counseling and rehabilitation assistance. Borrowers earning up to 80% of the area median income are eligible to receive up to $30,806 in assistance on a first-come, first-served basis.
Housing Our Workforce (HOW) Program** enables financial institutions to help local homebuyers earn more than 80% and up to 120% of the area median income with down payments and closing costs. Borrowers can receive 10% of the home sales price or up to $25,000 in assistance on a first-come, first-served basis.
Lift Up Homeownership Program** empowers people of color earning up to 120% of the area median income to be eligible to receive up to $50,000 in down payment and closing cost assistance on a first-come, first-served basis to purchase their first home.
For more information and eligibility requirements, or to obtain a free pre-qualification, please contact one of our mortgage specialists.
*Grants are provided by the Federal Home Loan Bank of Boston through their equity builder program. Interest would not accrue on the grant and the proceeds would only be due if the property is sold within the first five years of homeownership. May not be combined with any other type of down payment programs.
Free Annual Credit Report
Click here for your free annual credit report.
Personal Loans
Unsecured Personal Loan
Whether it's a vacation, wedding, education, or emergency, an unsecured personal loan allows you the freedom and flexibility to navigate through your life journey.
Overdraft Line of Credit
This loan automatically advances money up to your available credit line, working seamlessly with your current St. Anne’s Credit Union checking account.
New & Used Auto Loans
Choose St. Anne’s for your next vehicle purchase, whether new or used. We offer competitive loan rates, flexible terms, and even pre-approvals before you shop. You can also refinance your current loan to lower your monthly payments. Apply now for a new or used car loan below, or if you are still researching a vehicle, please click on the “Shop Here” button below to find the right car for you!
Fixed Second Mortgage Loans & Lines Of Credit
Home Equity Financing
Finance the important things in life the smart way, using the equity in your home with a Fixed Second Mortgage Loan, Home Equity Line of Credit, or Home Improvement Loan. These loans allow you to make home improvements, finance education expenses, consolidate debt - or take that much-needed vacation.
Home Improvement Loans
Whether it’s for a major repair, a remodel, or a small weekend project, a home improvement loan makes your upgrades more affordable.
Mass Save® HEAT Loan*
Save money and energy with a 0% APR Mass Save HEAT Loan from St. Anne’s Credit Union. Qualifying customers can receive no-interest financing to install heating and cooling equipment and other qualifying energy-efficient improvements.
Unsecured loans are available from $2,001-$25,000 for terms up to 84 months. For more information about Mass Save, please click here.
Benefits:
The interest rate is 0%
More efficient home = lower energy costs
Environmentally friendly
Opportunity to make qualified energy-efficient home improvements
Eligible Improvements May Include:
Attic, wall, and basement insulation
Heating equipment
Central air conditioning and heat pumps
Digital and wireless-enabled thermostats
ENERGY STAR®-qualified replacement windows
Domestic hot water and solar hot water heaters
How to Apply:
Call Mass Save at 866-527-7283 to schedule your no-cost home energy assessment.
Fill out the HEAT Loan intake form, which will be provided to you during your home energy assessment by your Mass Save representative.
Submit your intake form and receive your HEAT Loan authorization form from Mass Save.
Send us your completed HEAT loan authorization form after applying.
*Customers must meet program eligibility requirements to participate. Eligibility for the Mass Save 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. Financing is subject to credit approval with a minimum loan amount of $2,001 and a maximum loan amount of $25,000. APR refers to Annual Percentage Rate. The monthly payment would be approximately $11.91 per $1,000 borrowed based on 0.00% APR for 84 months. Eligible Mass Save HEAT Loan customers will need to obtain cost estimates from licensed contractors and submit them to the Home Assessment Vendor for approval. Some restrictions apply and offers are subject to change or cancellation. Visit Mass Save or call 1-866-527-SAVE (7283) for full details.
Loan Payments Made Simple
Spend less time in line and more time enjoying what matters with St. Anne's Credit Union’s convenient loan payment options. Whether it’s a car, personal, mortgage, or home equity loan, we make it safe, secure, and easy to pay your way!
Pay My Loan Feature
Express Pay with One-Time Payments
Quick, one-time payments using a debit card or bank account. No registration required.
Register for Recurring Payments
Set it and forget it with automatic payments from your bank account. Just simply register and log in! You'll need the last 4 digits of your SSN and full date of birth (no spaces/dashes; omit leading zeros of SSN if applicable).
IMPORTANT DETAILS:
Payments made before 9:00 p.m. EST process the next business day.
Payments made after 9:00 p.m. EST process within two business days.
Debit card payments: maximum limit of $5,000
Bank account payments: maximum limit of $7,500
Commercial loans are not eligible
A payment must be due to use the Pay My Loan Feature
Our Online Banking or Mobile App
Conveniently process payments to your loan through our FREE Online Banking service or FREE Mobile App by transferring funds from your statement savings or checking account to your loan. You can also schedule automatic payments with ease so you won’t have to keep track of due dates and your payments will always arrive on time.
Log in or sign up for our Online Banking today!
NOTE: Any transfers made Monday-Friday after 9 p.m. Eastern Standard Time (EST) and Saturdays after 6 p.m. EST will be available next business day. Any transfers made on non-business days (Sundays and holidays) will be available on the next business day.
You can mail your payments to:
St. Anne’s Credit Union
P.O. Box 0, South Station
Fall River, MA 02724-0386
NOTE: Please allow four to seven days for delivery and processing.
Visiting a Branch
Simply stop by any St. Anne’s Credit Union branch during normal business hours, and we will process your payment the same day!
Phone
Call St. Anne’s FREE telephone banking service at 1-800-258-8484 and select “Transfer Funds” to transfer from your statement savings or checking account to pay your loan.
You may also call Loan Servicing at St. Anne’s Credit Union at 1-877-STANNES during normal business hours to pay your loan over the phone*.
*A $10 transaction fee will be accessed if transferring funds by phone from St. Anne’s Credit Union accounts or if transferring funds by phone from another financial institution (other than St. Anne’s Credit Union).
St. Anne's Automatic Loan Payment
Set up recurring payments directly from your St. Anne's Credit Union account to your St. Anne's Credit Union loan for seamless and on-time payments every time! To enroll, visit a branch or reach out to our Loan Servicing team at 1-877-STANNES.