{
  "institution": "Beverly Credit Union (Beverly Municipal Federal Credit Union)",
  "asOf": "2026-07-02",
  "note": "Reconciled 2026-07-02 against the TruCurrent live-site export (published-changes.xml), visible content only — content in hidden elements was discarded per project rule. The live site's own rate-date stamp still reads 5/29/2022 even though content includes current certificate specials; have Tom confirm all values at launch. Auto/motorcycle/RV rates apply to both purchases and refinances. Mastercard rate tables are hidden on the live site and are excluded here; card program is Visa (personal & business) issued by Elan Financial Services.",
  "disclaimer": "APR = Annual Percentage Rate. APY = Annual Percentage Yield. Rates are subject to change without notice and may vary based on creditworthiness and term. Subject to credit approval. Federally insured by NCUA. Equal Housing Lender.",
  "contact": {
    "phone": "978-922-5254",
    "phone800": "800-258-6401",
    "email": "memberservices@beverlyfcu.com",
    "address": "139 Cabot St, Beverly, MA 01915",
    "lostStolenDebit": "800-417-8715",
    "lostStolenCC": "800-449-7728",
    "visaCardmemberService": "800-558-3424",
    "debitActivation": "800-567-3451"
  },
  "products": [
    {
      "category": "Auto Loans",
      "name": "New Auto — up to 36 mo",
      "year": "2024 & newer",
      "rateType": "APR",
      "asLowAs": 3.99,
      "needsUpdate": true
    },
    {
      "category": "Auto Loans",
      "name": "New Auto — up to 48 mo",
      "year": "2024 & newer",
      "rateType": "APR",
      "asLowAs": 4.49,
      "needsUpdate": true
    },
    {
      "category": "Auto Loans",
      "name": "New Auto — up to 60 mo",
      "year": "2024 & newer",
      "rateType": "APR",
      "asLowAs": 4.99,
      "needsUpdate": true
    },
    {
      "category": "Auto Loans",
      "name": "New Auto — up to 72 mo",
      "year": "2024 & newer",
      "rateType": "APR",
      "asLowAs": 5.49,
      "needsUpdate": true
    },
    {
      "category": "Auto Loans",
      "name": "New Auto — up to 84 mo",
      "year": "2024 & newer",
      "rateType": "APR",
      "asLowAs": 5.99,
      "needsUpdate": true
    },
    {
      "category": "Auto Loans",
      "name": "Used Auto (2023–2022) — up to 60 mo",
      "rateType": "APR",
      "asLowAs": 5.99,
      "needsUpdate": true
    },
    {
      "category": "Auto Loans",
      "name": "Used Auto (2021–2020) — up to 60 mo",
      "rateType": "APR",
      "asLowAs": 6.99,
      "needsUpdate": true
    },
    {
      "category": "Auto Loans",
      "name": "Used Auto (2019 & older) — up to 60 mo",
      "rateType": "APR",
      "asLowAs": 8.99,
      "needsUpdate": true
    },
    {
      "category": "Motorcycle Loans",
      "name": "New Motorcycle (2023 & newer) — up to 84 mo",
      "rateType": "APR",
      "asLowAs": 7.24,
      "needsUpdate": true
    },
    {
      "category": "RV & Boat Loans",
      "name": "RV/Boat (2021 & newer) — up to 60 mo",
      "rateType": "APR",
      "asLowAs": 8.99,
      "needsUpdate": true
    },
    {
      "category": "RV & Boat Loans",
      "name": "RV/Boat (2021 & newer) — 61–180 mo",
      "rateType": "APR",
      "asLowAs": 9.99,
      "needsUpdate": true
    },
    {
      "category": "Personal Loans",
      "name": "Personal Loan — up to 12 mo",
      "maxAmount": 12500,
      "rateType": "APR",
      "asLowAs": 9.99,
      "needsUpdate": true
    },
    {
      "category": "Personal Loans",
      "name": "Personal Loan — up to 60 mo",
      "maxAmount": 12500,
      "rateType": "APR",
      "asLowAs": 14.99,
      "needsUpdate": true
    },
    {
      "category": "Personal Loans",
      "name": "Share Secured Loan — up to 60 mo",
      "rateType": "APR",
      "asLowAs": 4.10,
      "note": "Funds pledged against savings until loan is closed.",
      "needsUpdate": true
    },
    {
      "category": "Home",
      "name": "Mass Save® HEAT Loan — up to 84 mo",
      "maxAmount": 25000,
      "rateType": "APR",
      "asLowAs": 0.0,
      "note": "0% interest, no origination fee. Qualifying energy efficiency improvements only.",
      "needsUpdate": false
    },
    {
      "category": "Home",
      "name": "Home Equity Loan — 5 Year Fixed",
      "rateType": "APR",
      "asLowAs": 6.49,
      "needsUpdate": true
    },
    {
      "category": "Home",
      "name": "Home Equity Loan — 10 Year Fixed",
      "rateType": "APR",
      "asLowAs": 6.74,
      "needsUpdate": true
    },
    {
      "category": "Home",
      "name": "Home Equity Loan — 15 Year Fixed",
      "rateType": "APR",
      "asLowAs": 6.99,
      "needsUpdate": true
    },
    {
      "category": "Home",
      "name": "HELOC — 5 Yr Draw / 10 Yr Repayment",
      "minAmount": 12500,
      "maxAmount": 250000,
      "rateType": "variable",
      "note": "Prime Rate for life of loan. Floor 4.00%, ceiling 16.00%. Closing costs paid by CU for loans $25,000+.",
      "needsUpdate": true
    },
    {
      "category": "Home",
      "name": "Mortgage",
      "note": "Contact Members Mortgage at 1-800-316-9790 press 3. Mention Beverly Credit Union membership. Promo code: beverly.",
      "needsUpdate": false
    },
    {
      "category": "Credit Cards",
      "name": "Visa Personal & Business Cards",
      "note": "Personal and business Visa cards issued by Elan Financial Services; rates and terms are set by Elan at application. Apply through online banking or call 978-922-5254. Mastercard rate tables are hidden on the live site and intentionally omitted here.",
      "needsUpdate": false
    },
    {
      "category": "Savings",
      "name": "Regular Savings Share",
      "rateType": "APY",
      "asLowAs": 0.05,
      "minBalance": 5,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "All Yours Checking",
      "rateType": "APY",
      "asLowAs": 0.01,
      "minBalance": 0,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "Money Market — up to $9,999",
      "rateType": "APY",
      "asLowAs": 0.05,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "Money Market — $10,000–$24,999",
      "rateType": "APY",
      "asLowAs": 0.10,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "Money Market — $25,000–$49,999",
      "rateType": "APY",
      "asLowAs": 1.50,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "Money Market — $50,000–$99,999",
      "rateType": "APY",
      "asLowAs": 2.50,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "Money Market — $100,000–$249,999",
      "rateType": "APY",
      "asLowAs": 3.00,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "Money Market — $250,000+",
      "rateType": "APY",
      "asLowAs": 3.25,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "5-Month Certificate Special",
      "rateType": "APY",
      "asLowAs": 4.00,
      "minBalance": 500,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "7-Month Certificate Special",
      "rateType": "APY",
      "asLowAs": 3.90,
      "minBalance": 500,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "9-Month Certificate Special",
      "rateType": "APY",
      "asLowAs": 3.80,
      "minBalance": 500,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "11-Month Certificate Special",
      "rateType": "APY",
      "asLowAs": 3.70,
      "minBalance": 500,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "13-Month Certificate Special",
      "rateType": "APY",
      "asLowAs": 3.60,
      "minBalance": 500,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "15-Month Certificate Special",
      "rateType": "APY",
      "asLowAs": 3.50,
      "minBalance": 500,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "6-Month Certificate",
      "rateType": "APY",
      "asLowAs": 0.50,
      "minBalance": 500,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "12-Month Certificate",
      "rateType": "APY",
      "asLowAs": 0.60,
      "minBalance": 500,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "24-Month Certificate",
      "rateType": "APY",
      "asLowAs": 0.75,
      "minBalance": 500,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "36-Month Certificate",
      "rateType": "APY",
      "asLowAs": 1.01,
      "minBalance": 500,
      "needsUpdate": true
    },
    {
      "category": "Savings",
      "name": "IRA Traditional Share",
      "rateType": "APY",
      "asLowAs": 0.50,
      "needsUpdate": true
    }
  ]
}