We are proud to offer to offer full financial services to our Members. Because the credit union is a member owned and operated nonprofit entity, we are able to pay better returns on savings products and offer lower rates on loans.

Brain Teaser Answer:

Use Roman Numerals:  XIX = 19; XX = 20

What's New?

SHARE CERTIFICATESMinimum opening deposit  requirement for all certificates is $1000. The APY assumes principal and interest will remain on deposit for a year. A penalty will be imposed for early withdrawal.
Dividend Rates may change at any time. Certificate specials may be available, call Credit Union for details.

                   Share Certificate Rates           IRA Certificate Rates
                        DIVIDEND                           DIVIDEND
TERM                  RATE     APY*                    RATE     APY*

6 Months             2.75%    2.78%
12 Months           2.90%    2.93%                  2.90%      2.93%                 
18 Months           3.00%    3.03%                  3.00%      3.03%                 
24 Months           3.00%    3.03%                  3.00%      3.03%                 
36 Months           3.15%    3.19%                  3.15%      3.19%

*APY=Annual Percentage Yield

SAVINGS BONDS:  Purchase Savings Bonds from your Credit Union account.  Also see our Savings Bond Program

IRAs:  Individual Retirement Accounts are long-term savings programs that earn favorable, tax-deferred dividends.  Every employed person may contribute up to $4,000 per year or $4,500 if over 50 yrs old.  Some IRA holders may deduct some or all of their contributions from income taxes.  New Roth, Education, and Traditional IRAs are available. 

HOLIDAY CLUB: Our popular Holiday Club is transferred to your CU savings account around October 15th, in plenty of time for holiday shopping allowing for greater flexibility to access your funds when needed.

VACATION CLUBOur Vacation Club is an all-purpose account that permits withdrawals anytime for taxes, insurance or, yes, vacations!

CHECKINGClick to view our checking account benefits and
services.

Fees could reduce earning on the account.

*Rates may change at any time. Effective  August 26, 2008

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Your savings federally insured to at least
$100,000

To contact us:
181 Ballardvale Street   
Wilmington, MA  01887
Phone: 978-661-1425
Fax: 978-661-1325
Email: Credit.Union@hmhpub.com

National Credit Union Administration,
a U.S. Government Agency