Merrimack Valley CU
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For Former RTN Members: Log in using your current RTN username and password. If your username was your RTN member number, continue to use your RTN member number as your username. Please do not use your new 10-digit member number.
For example:

  • Your username for RTN's online banking was 123456.
  • Your username for MVCU's online banking is still 123456.

You will then be prompted to create a password.

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Online Banking

Forgot Username?

Forgot Password?

Register

For Former RTN Members: Log in using your current RTN username and password. If your username was your RTN member number, continue to use your RTN member number as your username. Please do not use your new 10-digit member number.
For example:

  • Your username for RTN's online banking was 123456.
  • Your username for MVCU's online banking is still 123456.

You will then be prompted to create a password.

Need Help?

Home / Rates / Merrimack Valley Credit Union Mortgage Rates
Loan Rates, Rates, Mortgages

With MVCU, I know I am always getting a competitive rate!

Apply Today!

Loan Rates, Rates, Mortgages

With MVCU, I know I am always getting a competitive rate!

Apply Today

 

 

Buying a house is a big decision!  We're here to help you make the best financial decision for you and your family, at a competitive rate.

Mortgage Rates

 

Home Equity Loans - Primary and Secondary residences only
Effective Date: Sunday, June 23rd, 2024
Home Equity Loans up to 90% LTV Fixed Rate
ProgramMaxRateMax LTVAPR as low asMarginIndexMonthly Payment per $1,000
Up to 5 Years $250,000 6.990% 80% 6.990% - - $19.80
  $250,000 7.990% 90% 7.990% - - $20.27
10 Years $250,000 7.500% 80% 7.500% - - $11.87
  $250,000 8.500% 90% 8.500% - - $12.40
15 Years $250,000 7.750% 80% 7.750% - - $9.41
  $250,000 8.750% 90% 8.750% - - $9.99
20 Years $250,000 8.250% 80% 8.250% - - $8.52

Payments do not include taxes and insurance, actual payment obligation will be higher. The APR is an estimate and could be higher, based on the date of closing and the number of days interest collected at consummation.  APR may change without notice. Minimum loan amount is $10,000.

 

Home Equity Lines of Credit (HELOC) - Adjustable Rate
Effective Date: Sunday, June 23rd, 2024
ProgramMaxIntro RateMax LTVAPR as low asMarginIndex
80% LTV $250,000 8.500% 80% 8.500% 0.00% 8.50%
90% LTV $250,000 9.500% 90% 9.500% 1.00% 8.50%

Minimum Home Equity amount is $10,000. Maximum interest rate for Home Equity Lines of Credit is 18.00%. The maximum annual percentage rate that can apply is 18%. The interest rate is based on the Wall Street Journal Prime Rate and may vary monthly. An early termination fee of $300 will apply if closed within the first 36 months. Must meet eligibility guidelines.  APR may change without notice.