10 – Total Vantage Point Credit Union
3.56% (Fixed) – Total Vantage Point Credit Union is a federally insured financial institution that offers consumer loans and deposit accounts from offices throughout Massachusetts, New Hampshire, Maine, Rhode Island and Vermont. The credit union’s membership is open to employees of companies or organizations that are members of one of its sponsoring associations. Members must become shareholders by making an initial investment to join and may qualify for a low-interest personal loan with repayment terms as long as eight years. Shareholders earn dividends on their deposits, which include checking and savings accounts along with certificates and individual retirement accounts. Total Vantage Point also accepts deposits from nonmembers who qualify for higher interest rates than standard customers when they take out a loan through the company’s relationship with TD Bank N.A., including fixed-rate home equity loans.