What are the current interest rates at Tremont Credit Union?

Current rates for Tremont Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.25%, 24-Month CD: 3.25%, 60-Month CD: 2.00%, Savings: 0.05%

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Tremont Credit Union

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Tremont Credit Union Rates & Review October 2026

Q: How many branches does Tremont Credit Union operate?

Tremont Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Tremont Credit Union?

Yes, to access services at Tremont Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Tremont Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Tremont Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Tremont Credit Union's top rates as of October 10, 2026 are 3.50% APY on its 12 Month CD, 0.05% APY on savings, 6.12% on its 5/6 Adjustable Rate Mortgage, and personal loans from 8.99% APR, according to rates verified by MonitorBankRates. Other Tremont Credit Union CD rates include 6 Month CD at 3.50%, 9 Month CD at 3.50%, and 18 Month CD at 3.25%. Other Tremont Credit Union mortgage rates include 7/6 Adjustable Rate Mortgage at 6.38%, 5/6 Adjustable Rate Mortgage at 6.12%, and 7/6 Adjustable Rate Mortgage at 6.38%. MonitorBankRates evaluates the financial stability of Tremont Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.79%. Rates last updated and verified on 10/10/2026.

Tremont Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Tremont Credit Union? Share your experience about Tremont Credit Union by leaving a review below, or read customer reviews before you decide to use Tremont Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.79%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Tremont Credit Union
Executive Offices and Operations Center

2 Granite Ave
Milton, MA 02186

https://www.tremontcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Tremont Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.45%	3.50%	12 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
6 Month Certificate	3.45%	3.50%	6 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
9 Month Certificate	3.45%	3.50%	9 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
18 Month Certificate	3.21%	3.25%	18 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
24 Month Certificate	3.21%	3.25%	24 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
30 Month Certificate	3.21%	3.25%	30 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
36 Month Certificate	1.99%	2.00%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
48 Month Certificate	1.99%	2.00%	48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
60 Month Certificate	1.99%	2.00%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

Tremont Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.15%	0.15%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Vacation Club	0.15%	0.15%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Regular Savings	0.05%	0.05%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

Tremont Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/6 Adjustable Rate Mortgage	6.125%	0.000	6.125%	5 years
Details Purchase transaction, 80% LTV, 740 credit score, loan amount of $200,000. Initial rate fixed for 5 years, then adjusts every six months by adding 3.64% to the index (1year SOFR). Payment per thousand of $6.076. Rate will adjust to 6.50% in year six. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.13% ▲ 0.38 pts · high 6.13% / low 5.75% Oct 10, 20266.13%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
7/6 Adjustable Rate Mortgage	6.375%	0.000	6.375%	7 years
Details Purchase transaction, 80% LTV, 740 credit score, loan amount of $200,000. Initial rate fixed for 7 years, then adjusts every six months by adding 2.75% to the index (30-day Average SOFR Index). Payment per thousand of $6.24. Rate will adjust to 6.50% in year eight. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.38% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
5/6 Adjustable Rate Mortgage	6.125%	0.000%	6.49%	5/6
Details Payment Per $1,000: $6.076 Last Updated 10/10/2026 Rate History 1 change since Sep 24, 2026 · 6.25% → 6.49% ▲ 0.24 pts · high 6.49% / low 6.25% Oct 10, 20266.49%▲ from 6.25% Sep 24, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
7/6 Adjustable Rate Mortgage	6.375%	0.000%	6.604%	7/6
Details Payment Per $1,000: $6.24 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.60% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Mortgages	6.625%	0.000	6.625%	10 years
Details Purchase transaction, 80% LTV, 740 credit score, closing costs of $5,000, loan amount of $200,000. Payment per thousand of $11.42. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.50% → 6.63% ▲ 0.13 pts · high 6.63% / low 6.50% Oct 10, 20266.63%▲ from 6.50% Sep 18, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
10/6 Adjustable Rate Mortgage	6.75%	0.000	6.75%	10 years
Details Purchase transaction, 80% LTV, 740 credit score, loan amount of $200,000. Initial rate fixed for 10 years, then adjusts every six months by adding 3.64% to the index (1year SOFR). Payment per thousand of $6.48. Rate would adjust to 6.50% in year ten. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.75% ▲ 0.76 pts · high 6.75% / low 5.99% Oct 10, 20266.75%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Mortgages	6.75%	0.000	6.75%	15 years
Details Purchase transaction, 80% LTV, 740 credit score, closing costs of $5,000, loan amount of $200,000. Payment per thousand of $8.85. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.63% → 6.75% ▲ 0.13 pts · high 6.75% / low 6.63% Oct 10, 20266.75%▲ from 6.63% Sep 18, 20266.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
10/6 Adjustable Rate Mortgage	6.75%	0.000%	6.841%	10/6
Details Payment Per $1,000: $6.48 Last Updated 10/10/2026 Rate History 1 change since Sep 24, 2026 · 6.58% → 6.84% ▲ 0.26 pts · high 6.84% / low 6.58% Oct 10, 20266.84%▲ from 6.58% Sep 24, 20266.58%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Mortgages	6.99%	0.000	6.99%	30 years
Details Purchase transaction, 80% LTV, 740 credit score, closing costs of $5,000, loan amount of $200,000. Payment per thousand of $6.65. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.88% → 6.99% ▲ 0.12 pts · high 6.99% / low 6.88% Oct 10, 20266.99%▲ from 6.88% Sep 18, 20266.88%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Mortgages - 15 Year Fixed Conventional	6.75%	0.000%	7.066%	15 years
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.94% → 7.07% ▲ 0.13 pts · high 7.07% / low 6.94% Oct 10, 20267.07%▲ from 6.94% Sep 14, 20266.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Non-QM/Non-Traditional Mortgages - 15 Year Fixed Conventional	6.75%	0.000%	7.066%	15 years
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.94% → 7.07% ▲ 0.13 pts · high 7.07% / low 6.94% Oct 1, 20267.07%▲ from 6.94% Sep 14, 20266.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Mortgages - 10 Year Fixed Conventional	6.625%	0.000%	7.067%	10 years
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.94% → 7.07% ▲ 0.13 pts · high 7.07% / low 6.94% Oct 10, 20267.07%▲ from 6.94% Sep 14, 20266.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Non-QM/Non-Traditional Mortgages - 10 Year Fixed Conventional	6.625%	0.000%	7.067%	10 years
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.94% → 7.07% ▲ 0.13 pts · high 7.07% / low 6.94% Oct 1, 20267.07%▲ from 6.94% Sep 14, 20266.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Mortgages - 30 Year Fixed Conventional	6.99%	0.000%	7.187%	30 years
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.07% → 7.19% ▲ 0.12 pts · high 7.19% / low 7.07% Oct 10, 20267.19%▲ from 7.07% Sep 14, 20267.07%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Non-QM/Non-Traditional Mortgages - 30 Year Fixed Conventional	6.99%	0.000%	7.187%	30 years
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.07% → 7.19% ▲ 0.12 pts · high 7.19% / low 7.07% Oct 1, 20267.19%▲ from 7.07% Sep 14, 20267.07%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

Tremont Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity STANDARD HELOC	7.00%	-	7.00%
Details Variable rate based on WSJ Prime Rate Index (currently 7.00% APR), with a floor rate of 5.00%. Maximum APR 18.00%. Payments are interest-only for the initial 120 payments followed by 240 payments of P&I. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
INVESTOR HELOC - HELOC 5 Year Fixed Conventional	7.00%	-	7.00%	5 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
INVESTOR HELOC - HELOC 10 Year Fixed Conventional	7.25%	-	7.25%	10 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
INVESTOR HELOC - HELOC 15 Year Fixed Conventional	7.50%	-	7.50%	15 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
INVESTOR HELOC - HELOC 20 Year Fixed Conventional	7.75%	-	7.75%	20 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

Tremont Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans (2025-2026 Model Years)	-	-	4.99%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Auto Loans (2025-2026 Model Years)	-	-	5.24%	61 to 72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Auto Loans (2022-2024 Model Years)	-	-	5.49%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Auto Loans (2025-2026 Model Years)	-	-	6.24%	73 to 84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Auto Loans (2022-2024 Model Years)	-	-	7.49%	61 to 72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Auto Loans (2021 Model Year)	-	-	8.49%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

Tremont Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans (2025-2026 Model Years)	-	5.99%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Motorcycle Loans (2025-2026 Model Years)	-	6.24%	61 to 72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Motorcycle Loans (2022-2024 Model Years)	-	6.50%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Motorcycle Loans (2025-2026 Model Years)	-	7.24%	73 to 84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Motorcycle Loans (2022-2024 Model Years)	-	7.50%	61 to 72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Motorcycle Loans (2021 Model Year)	-	8.50%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Boat and RV Loans (New)	-	8.99%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Boat and RV Loans (Used)	-	9.99%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Boat and RV Loans (New)	-	11.49%	61 to 120 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Boat and RV Loans (Used)	-	12.49%	61 to 120 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 12.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Boat and RV Loans (New)	-	12.74%	121 to 180 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 12.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Boat and RV Loans (New)	-	12.99%	181 to 240 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Boat and RV Loans (Used)	-	13.74%	121 to 180 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 13.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Boat and RV Loans (Used)	-	13.99%	181 to 240 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 13.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

Tremont Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	8.99%	Up to 12 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Personal Loans	9.99%	Up to 24 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Personal Loans	10.99%	25 to 36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Personal Loans	12.99%	37 to 48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Personal Loans	13.99%	49 to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 13.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

Tremont Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA Variable	0.25%	-	0.25%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Kasasa Cash Checking	1.99%	-	2.00%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $25,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Kasasa Cash Checking	1.98%	-	2.00%
Min Balance $25,000 Details Published APY range: 2.00% - 0.83%; Published rate range: 1.98% - 0.83%. Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $25,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Kasasa Cash Checking	0.05%	-	0.05%
Min Balance $0 Details All balances if qualifications not met Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 2.00% / low 0.05% Oct 10, 20260.05%▼ from 2.00% Sep 22, 20262.00%▲ from 0.05% Sep 18, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Kasasa Saver Savings	1.00%	-	1.00%
Min Balance $0 Details Balance: 0 - $25,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Kasasa Saver Savings	1.00%	-	1.00%
Min Balance $25,000 Details Published APY range: 1.00%-0.40%; Published rate range: 1.00% - 0.40%. Balance: $25,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Money Management	0.75%	-	0.75%
Min Balance $2,500 Details Balance: $2500 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Money Management	1.74%	-	1.75%
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Money Management	2.47%	-	2.50%
Min Balance $75,000 Details Balance: $75,000.00 - $149,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Money Management	3.20%	-	3.25%
Min Balance $150,000 Details Balance: $150,000 or more Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Tremont Credit Union’s Texas Ratio rose from 6.40% in Q3 2023 to 8.79% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$256M	8.79%	5.0	A
March 31, 2026	$259M	5.12%	5.0	A+
December 31, 2025	$262M	10.18%	5.0	A
September 30, 2025	$261M	11.56%	5.0	A
June 30, 2025	$264M	12.31%	5.0	A
March 31, 2025	$266M	8.49%	5.0	A
December 31, 2024	$260M	13.50%	5.0	A
September 30, 2024	$259M	10.83%	5.0	A
June 30, 2024	$257M	8.47%	5.0	A
March 31, 2024	$264M	7.61%	5.0	A
December 31, 2023	$261M	4.79%	5.0	A+
September 30, 2023	$256M	6.40%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Tremont Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Tremont Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Tremont Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Tremont Credit Union

Website https://www.tremontcu.org

Address 2 Granite Ave, Milton, MA 02186

Phone 781-843-5626

Fax 781-356-7302

President Kevin Mullen

CEO George Hardiman

Full-Time Employees 42

Part-Time Employees 15

Branch Locations 4

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.79%

Return on Assets (ROA)

0.0686%

Return on Equity (ROE)

0.6458%

Non-Performing Loans Ratio (NPL)

1.43%

Total Assets

256,495,090

Total Amount of Shares and Deposits

216,804,413

Total Shares and Deposits < 1 Year

210,813,932

Total Shares and Deposits 1 3 Years

5,567,292

Total Shares and Deposits > 3 Years

423,189

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

25,946,820

Total Uninsured Shares and Deposits > $250K (F+J)

25,946,820

Total Insured Shares and Deposits > $250K (item 17 less item K)

190,857,593

Total Interest Expense (Sum of items 6 8)

1,873,372

Share Certificates

1,384

Number of Accounts for Share Drafts

6,476

IRA KEOGH Accounts

439

Number of Accounts for Regular Shares

13,886

All other shares

567

Money Market Shares

594

Net Income (unless the amount is already included in Undivided Earnings)

176,050

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

19,728,649

Total Liabilities

232,564,912

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Tremont Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Tremont Credit Union

How many branches does Tremont Credit Union operate?

Tremont Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Tremont Credit Union?

Yes, to access services at Tremont Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Tremont Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Tremont Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Tremont Credit Union offer online and mobile banking?

Most modern institutions like Tremont Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.tremontcu.org.

Current Tremont Credit Union Rates

12-Month CD3.50%
18-Month CD3.25%
24-Month CD3.25%
60-Month CD2.00%
Savings0.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Tremont Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Tremont Credit Union Texas Ratio

Tremont Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Tremont Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Tremont Credit Union

How many branches does Tremont Credit Union operate?

Is a member application needed to join Tremont Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Tremont Credit Union offer online and mobile banking?

Current Tremont Credit Union Rates

Compare to Other Credit Unions