Checking
At St. Anne's, we're committed to making banking easy, convenient, and personalized to your unique financial needs. Explore our diverse checking options, all with a minimal $5 opening requirement and no transaction fees. Plus, enjoy the added convenience of services that simplify your money management. No matter your choice, expect outstanding value and service from a trusted local institution.
Additionally, we offer a free 18/65 savings account with exclusive benefits for those aged 18 and under or 65 and older. For detailed account information, please contact us at 1-877-STANNES so we can customize an account to fit your specific requirements.
You can have peace of mind knowing that your deposits are fully protected with insurance from both the NCUA and MSIC.
Rewards Checking
Experience the ultimate in banking excellence with our Rewards Checking Account. Say goodbye to monthly service charges and minimum balance requirements and embrace a world of limitless rewards. Earn 0.5 points on every dollar spent with your debit card, with the flexibility to combine points with your St. Anne's Rewards Credit Card. Redeem your points effortlessly at the point of sale or online for an array of options including, event tickets, electronics, gift cards, travel, and more. Once you have opened your account at one of our convenient locations, register your card for a rewards program and explore the endless perks awaiting you!
Student Checking 1
As a student, an extra dollar can mean an extra slice of pizza, and an extra few minutes could help you get to class on time. That's why our Student Checking Account was designed to save students time and money. Enjoy Free ATMs 3 and all the best on-the-go tools for student banking, whether you're on or off-campus. Students face challenges every day, so we make banking while you're in school one less thing to worry about.
Senior Now Checking 2
If you are 65 years of age or older, enjoy the perks of no service charges - so you can spend your hard-earned money on the things that matter most to you. This account is equipped with additional benefits, including reduced overdraft fees plus money management services that help you keep an eye on your continually growing balance – as this account also offers interest.
Veterans Free Checking
Tailored exclusively for present service members and veterans of the U.S. Armed Forces, our Veterans Free Checking Account provides essential features and beyond. These advantages are accessible to both active-duty personnel and veterans alike. You can enjoy the benefits of free financial literacy tools, like seminars, educational content, financial calculators, and coaching, along with money management utilities including Online and Mobile Banking. There are no overdraft fees, fostering a favorable account record and aiding you in pursuing further financial aspirations. Click the buttons at the top of the page to get started. NOTE: St. Anne's will pay $5 deposit for you to start today!
Money Market Accounts
Our Money Market Accounts are ideal for those individuals who seek both flexibility and a greater return.
Convenience Services Included With All Checking Accounts:
FREE Debit Card
FREE Online Banking
FREE Bill Pay
FREE e-Statements
FREE Statement Savings Account
FREE card management service to help set controls (by locations, merchant type, and spending limits), view spending insights, and receive transaction alerts (to fight fraud)
FREE SecureAlerts – Get notified instantly about important account activity, helping you stay informed and keep your money secure.
FREE financial tips, seminars, etc. to improve financial well-being
FREE ATMs⁵ using the SUM® ATM Network, or you can receive up to $10 monthly when you use a non-St. Anne's ATM on certain accounts
FREE Coin Counting Machines - available in most branches
Overdraft Protection 4 – To help you manage your account balances and avoid account overages, you can link accounts so funds are transferred automatically. Speak with a representative to find the solution that’s right for you
1$5 minimum to open account. To be eligible for the Student Checking account, you must be a student between the ages of 17-24. Upon reaching your twenty-fifth birthday, your account will automatically be converted to a Basic Checking Account.
2$5 minimum to open account. Tax Reporting Owner must be over age 65 to be eligible for this account.
3Other institutions may impose a fee for the use of their ATMs if not part of the SUM ATM network. Refunds are automatically posted to your checking account at the end of the month. For example, if you withdraw $200 from your checking account at an out-of-network ATM, that bank will charge a fee to your checking account. St. Anne’s will refund up to $10 in fees monthly as a credit to your checking account, at the end of the month. Student Checking, Basic Checking, and Affinity Checking accounts are eligible for surcharge refunds. Surcharge refunds are subject to IRS reporting.
4Subject to eligibility requirements.
Savings
Start saving with St. Anne's for a brighter financial future! Our savings accounts offer competitive rates and flexibility. You can easily add funds with one-time or recurring transfers synced with your direct deposit. Set it up and forget it so you never miss a beat! Whether it's retirement, a dream vacation, or just preparing for a rainy day, St. Anne's helps you achieve your financial goals.
Choose from a range of personalized savings options, including a free 18/65 savings account with special benefits for those aged 18 and under or 65 and older. For tailored account solutions, call 1-877-STANNES.
Rest easy knowing that your deposits are fully insured with both NCUA and MSIC coverage.
Free Savings Account
The convenience of receiving a monthly statement or e-Statement without the passbook.
Minimum opening deposit: $5
Interest compounded and credited monthly
Minimum balance to obtain interest: $0.01
Free ATM Card
Free 24-hour banking with Telephone Banking and Online Banking
e-Statements
No surcharges at SUM® network ATMs
Acorn Savings Account
Help your child begin to learn how to manage their money with an Acorn Savings Account for children under the age of 18 - the perfect teaching tool to help your child learn positive money management skills.
Christmas and Vacation Club Accounts
Clubs are the perfect way to start saving, and you can determine the amount and frequency of deposits. So when it comes time, you have the peace of mind knowing that you have the money you need for vacation or for holiday spending.
Minimum balance of $5 to open
Funds are automatically deposited into your chosen St. Anne’s savings or checking account once per year (for each club account)
Certificates of Deposit
Certificate of Deposits (CDs) are a perfect way to grow your money without tying your money up for long periods of time.
Available in terms of three (3) to sixty (60) months
Minimum balance of $1,000 to open
Dividend rate higher than a regular savings account
Fixed rate for term of deposit
Dividend rate is compounded monthly and paid monthly
Renewed automatically at the end of a ten (10) calendar day grace period
Individual Retirement Accounts (IRAs)
An IRA* is a good way to start your fiscal plan with a low deposit amount that will help you grow your money well into retirement.
Available in terms of three (3) to sixty (60) months
Minimum balance of $500 to open
Dividend rate higher than a regular savings account
Fixed rate for term of deposit
Dividend rate is compounded monthly and paid monthly
Renewed automatically at the end of a ten (10) calendar day grace period
If you have opened an IRA elsewhere, it’s easy to move it to St. Anne’s as a “rollover” or by direct transfer.
*You should always consult your tax advisor about your retirement savings options and any tax implications before opening or making a change in a retirement account.
Credit Cards
FIND A REWARDS CREDIT CARD THAT FITS YOUR LIFESTYLE WITH THE REWARDS YOU WANT!
Whether you are looking to earn rewards, pay a lower APR, or establish your credit - we have a card that's right for you. Enjoy the everyday convenience of a credit card while saving on interest with no annual fees and lower rates!
Along with the recognition of the Mastercard® brand, you’ll be carrying a card from a local credit union you know and trust.
LET US HELP YOU FIND THE Rewards CREDIT CARD THAT BEST SUITS YOUR NEEDS!
PLATINUM LOW RATE CARD¹*
This card is good for carrying a balance or paying down debt while earning rewards. Get two points per dollar spent that you can redeem for gift cards and more! See Terms & Conditions.
TITANIUM CARD¹*
This credit card has a great rate and even greater rewards. Get three points per dollar spent that you can redeem for gift cards and more! See Terms & Conditions.
CREDIT BUILDER CARD¹
This card is a great option for anyone looking to establish credit with opening their first credit card. Get one point per dollar that you can redeem for gift card and more! See Terms & Conditions.
Rewards Credit Card Benefits
No annual fee!
Rewards in a wide selection of popular categories that include gift cards, merchandise, travel, experiences and more!
Contactless payment: with our contactless technology, you can simply tap and go!
EMV chip technology: increase security and reduce fraud.
24/7 cardholder service: during regular business hours, call 1-877-STANNES for balance inquiries, payment information, transaction history, or statement requests. After business hours or holidays, please call 1-800-304-9822.
Card management service: instantly lock and unlock your credit card.
Enjoy fraud monitoring and protection with SecureAlerts.
Mobile and online payment options: Apple Pay™, Google Pay™, Samsung Pay™, and Mastercard® Click to Pay available.
Online account management through Online and Mobile Banking.
1Maximum balance transfer is 10% of the credit limit.
*One-year St. Anne's Credit Union membership required.
Rates
Named one of the top 10 Massachusetts’ Lenders in 2023 and 2024 by Banker & Tradesman
Finance your purchase transaction with us and receive a closing cost credit of $500!*
Fixed Rate Mortgage
| Type | Term (Years) | Current Rate | APR | Points | Monthly Payments Per $1,000 Borrowed |
|---|---|---|---|---|---|
| 10-Year Fixed Rate Mortgage1 | 10 | 5.750% | 5.876% | 0 | $10.98 |
Adjustable Rate Mortgage
| ARM Program2 | Initial Interest Rate Period | Initial Interest Rate | APR3 | Points | Initial Rate Period # of Monthly Payments | Initial Rate Period EMP Per $1,0004 | Fully Indexed Rate | Fully Indexed Rate # Monthly Payments | Fully Indexed Rate EMP Per $1,0004 | Effective Date |
|---|---|---|---|---|---|---|---|---|---|---|
| 5/1 | 5 Years | 5.750% | 6.181% | 0 | 60 | $5.84 | 6.375% | 300 | $6.24 | 3/10/2025 |
| 7/1 | 7 Years | 6.750% | 6.657% | 0 | 84 | $6.49 | 6.500% | 300 | $6.32 | 1/16/2025 |
*Finance your purchase transaction and receive a closing cost credit of $500!
1. Effective as of 01/30/2025 the Fixed Rate Mortgage Payment Example: Purchase Transaction, single family primary residence, with a term of 10 years, loan amount of $350,000 an APR of 5.876% at an interest rate of 5.750%, $10.98 per $1,000 borrowed, will have a monthly principle and interest payment of $3,841.92. Taxes and insurance are not included in payment example. All loans are subject to approval; other conditions may apply. Other conventional fixed rate products available.**The advertised Adjustable Rate Mortgage rates are for non-conforming loans with a loan amount of $350,000 and are based on the loan assumptions noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.
2. ARM loans are variable rate loans, interest rates and payments may increase after consummation. Rates and payments will remain the same for the first 5, 7, or 10 years and then can adjust to a new rate and payment every (12) twelve months based on a current index, depending on the ARM program you choose. For example, if you select the 5yr/1 yr ARM program your rate and principal & interest payment will be fixed for the first 5 years (the 5 in 5yr/1 year), after that the interest rate and payment could change every (12) twelve months for the remainder of the mortgage's term (the 1 in 5yr/1yr).
3. APR = Annual Percentage Rate. Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a purchase of a single-family, owner-occupied residence, with an LTV of 80% or less, credit score of 680 or higher, based on an ARM program displayed above, and the loan will be a first lien. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval; other conditions may apply.
4. EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed.
Consumer Loan Rates*
| Product | Term (Months) | APR as low as | Monthly Payments Per $1,000 Borrowed |
|---|---|---|---|
Personal Loans/Unsecured1
| 1-36 Months |
13.990% |
$34.17 |
|
| Personal Loans/Unsecured2 | 37-60 Months | 14.490% | $23.52 |
Mass Save® HEAT Loan2
| 84 Months |
0.000% |
$11.91 |
|
| New Auto 2025-20243 | 36-60 Months | 6.090% | $19.37 |
New Auto 2025-20243
| 61-75 Months |
6.290% |
$19.47 |
|
Used Auto 2023-20153
| 36-60 Months |
6.490% |
$19.56 |
|
Used Auto 2023-20153
| 61-72 Months |
7.690% |
$20.13 |
|
| Fixed Second Mortgage4 | 120 Months | 7.625% | $11.94 |
| Fixed Second Mortgage4 | 180 Months | 7.885% | $9.49 |
| Product | APR/Term | Apply |
|---|---|---|
| Home Equity Line of Credit5 | 7.24% APR Introductory rate for 12 months | 7.50% APR After introductory period, variable rate as low as 7.50% |
| Product | Term (Months) | Points | APR as low as | Monthly Payments Per $1,000 Borrowed |
|---|---|---|---|---|
| Home Improvement Loan6 | 36-60 | NA | 8.00% | $20.28 |
*Annual Percentage Rate (APR) subject to change. $5 membership account required.
1. Maximum loan amount $10,000, minimum loan amount $1,000. One-year St. Anne's Credit Union membership required for debt consolidation loan.
2. 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 the 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.
3. Rate is based on creditworthiness and may vary. Estimated cost per thousand calculated on monthly payments of $10,000 loan at the maximum term. Additional rates and terms may be available.
4. Homeowners insurance required. Maximum loan amount $500,000, minimum loan amount $25,000. Annual Percentage Rate (APR) reflects a reduction of .25% by having automatic payment from a St. Anne’s Credit Union checking account. Second lien position only.
5. Annual Percentage Rate (APR) is a variable rate. Available for 1-4 family primary residences. Property insurance is required. Flood insurance and an appraisal fee ranging from $440-$725 may be required. Additional fee when property is held in any type of Trust ownership. First or second lien position. If the line of credit is paid off within 36 months, the borrower will be responsible for waived closing fees. Subject to credit approval with a minimum FICO score of 640. Offer good for loan amounts of $25,000 - $500,000. Introductory rate of 7.24% is fixed for 12 months and variable thereafter. Variable rate is set monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the previous month. Prime Rate is 7.50% as of December 19, 2024. Minimum APR is 7.24%. Maximum APR is 18.00%. Other terms and conditions may apply.
6. Annual Percentage Rate (APR) effective August 1, 2023, special rate of 8.0% for terms between 36-60 months, loan amounts ranging from $5,000 to $15,000 with a credit score of 700 or higher and maximum debt to income ratio of 60%. Cost is $20.28 per $1,000 at 8.00% for 60 months. Copy of construction bid or written proposal required. Proof of income required with a credit score of less than 650 or at underwriters’ discretion. $5 membership account required. Other restrictions may apply. This offer is subject to change without notice.
Deposit Rates*
| Type | Term | Minimum Daily Balance to Earn APY | APY | Minimum Deposit |
|---|---|---|---|---|
| Certificates | 3 Months | $0.01 | 4.05% | $1,000.00 |
| Certificates | 6 Months | $0.01 | 3.85% | $1,000.00 |
| Certificates | 9 Months | $0.01 | 3.65% | $1,000.00 |
| Certificates | 12 Months | $0.01 | 3.50% | $1,000.00 |
| Certificates | 24 Months | $0.01 | 3.15% | $1,000.00 |
| Certificates | 36 Months | $0.01 | 3.10% | $1,000.00 |
| Certificates | 48 Months | $0.01 | 3.00% | $1,000.00 |
| Certificates | 60 Months | $0.01 | 2.75% | $1,000.00 |
| Accounts | Minimum Daily Balance to Earn APY | APY | Minimum Deposit |
|---|---|---|---|
| Membership Savings2 | $0.01 | 0.10% | $5.00 |
| Acorn Savings2 | $0.01 | 0.10% | $1.00 |
| Christmas Club2 | $20.00 | 0.05% | $5.00 |
| Vacation Club2 | $20.00 | 0.05% | $5.00 |
| Regular Share Savings2 | $0.01 | 0.10% | $5.00 |
| Money Market2 | $0.01 | 0.05% | $100.00 |
| $2,500.00 | 0.10% | $100.00 | |
| $20,000.00 | 0.15% | $100.00 | |
| $50,000.00 | 0.25% | $100.00 | |
| $75,000.00 | 0.30% | $100.00 | |
| $100,000.00+ | 0.35% | $100.00 | |
| Business Investment Money Market2 | $0.01 | 0.10% | $100.00 |
| $2,500.00 | 0.15% | $100.00 | |
| $10,000.00 | 0.20% | $100.00 | |
| $30,000.00 | 0.20% | $100.00 | |
| Basic Checking2 | $0.00 | 0.00% | $5.00 |
| NOW Checking3 | $20.00 | 0.05% | $5.00 |
| Senior NOW Checking4 | $20.00 | 0.05% | $5.00 |
| Type | Term | Minimum Daily Balance to Earn APY | APY | Minimum Deposit |
|---|---|---|---|---|
| Statement Saver IRA5
(Variable rate account and therefore, the rate is subject to change after account opening) |
N/A | $0.01 | 0.10% | $100.00 |
| IRA Certificates5 | 3 Months | $0.01 | 4.05% | $1,000.00 |
| IRA Certificates5 | 6 Months | $0.01 | 3.85% | $1,000.00 |
| IRA Certificates5 | 9 Months | $0.01 | 3.65% | $1,000.00 |
| IRA Certificates5 | 12 Months | $0.01 | 3.50% | $1,000.00 |
| IRA Certificates5 | 24 Months | $0.01 | 3.15% | $1,000.00 |
| IRA Certificates5 | 36 Months | $0.01 | 3.10% | $1,000.00 |
| IRA Certificates5 | 48 Months | $0.01 | 3.00% | $1,000.00 |
| IRA Certificates5 | 60 Months | $0.01 | 2.75% | $1,000.00 |
*Rates are subject to change without notice.
1. Annual Percentage Yield (APY) subject to change. $1,000 minimum deposit to open account. Interest is compounded monthly and credited monthly or paid at maturity. Interest is paid for each day funds remain on deposit. A substantial penalty is assessed on funds withdrawn prior to maturity on all Certificate accounts. Request further information concerning any fees and terms applicable to the advertised accounts. Fees may reduce earnings.
2. Annual Percentage Rate (APY) subject to change. Minimum deposit shown is the minimum amount required to open the account and may differ from the minimum balance required to earn APY. Rates may change after account opening for variable rate accounts. Interest is paid for each day funds remain on deposit. Request further information concerning any fees and terms applicable to the advertised accounts. Fees may reduce earnings.
3. Account no longer offered after 4/5/2010.
4. $5 minimum to open account. Tax Reporting Owner must be over age 65 to be eligible for this account.
5. Annual Percentage Yield (APY) subject to change. Interest is compounded monthly and credited monthly or paid at maturity for all other terms. Interest is paid for each day funds remain on deposit. A substantial penalty is assessed on funds withdrawn prior to maturity on all IRA accounts. Request further information concerning any fees and terms applicable to the advertised accounts.