COVER STORY
A
t 22 months clean and sober, John W. “John Wayne� Cormier Jr. is in a better place than where he’s been for most of his adult life, he says. Now 33, he is working full time, completing classes to be a recovery coach and running a music circle — and he owes much of that to the OpporTUNEity program he participated in while incarcerated at the Worcester County Jail & House of Correction. A community-based initiative, the OpporTUNEity program at Anna Maria College pairs instructors and college interns with inmates in the jail . It is open to those who are housed in the main jail and, for the first time, in the “mods,� a higher-security section of the prison for inmates who have longer sentences and fewer privileges. The program not only teaches them the basics of songwriting, but leads them on a journey of self-exploration and discovery through music. “It really makes all the efforts worth
Anna Maria College Adjunct Professor/OpporTUNEity Songwriting Instructor Dan Thomas performing with songwriting students in December 2019. PHOTO SUBMITTED
Then prime minus
APR*
The current rate without the
APR*
(800) 649-4646
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When you belong to a credit union, planning for tomorrow comes a little easier. money in your pocket for home improvements, weddings, vacations and more. It’s all about options, and it starts with membership.
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*Annual Percentage Rate (APR) is accurate as of 10/01/2020 and is subject to change without notice. An introductory Annual Percentage Rate (APR) as low as 1.99% for the ďŹ rst twelve billing cycles with a periodic rate of 0.00545%. Thereafter, the APR will be set on the last business day of each month which will be either a oor rate of 3.50% APR with a periodic rate of 0.00959%, or, 1.00% below the Prime Rate published in the Wall Street Journal on the last business day of each month, whichever is greater. Automatic payment from LCU transaction account required to receive the stated APR. If automatic payment is cancelled, APR will increase by .70%. Maximum rate is 18%. Floor rate is 3.50%. Draw period is 10 years with 10 additional years to repay. Equity determined by taking 80% of property value and deducting balance of any mortgages. If appraisal is required the charge will range from $400 to $550. The minimum loan amount is $10,000 and the maximum is $250,000. Property insurance required. Rate subject to change after consummation. LCU members must maintain a $25 deposit relationship. An early termination fee of no more than $750 may be imposed to cover fees paid to third parties if line is discharged within 24 months of note date. Offer applies to owner occupied primary residences only. Offer may be withdrawn without notice. All requests subject to credit approval. Actual rate and margin offered may be adjusted based on your credit history and other factors that could impact our actual rate. This may result in higher rate than our published rate.
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WM-0000451593-01
Leominster | Clinton | Holden | North Leominster | Sterling | Worcester
WORCESTERMAGAZINE.COM
1.99 % 1.00 % 3.50 %
O C T O B E R 15 - 21, 2020
for 12 months
I’m somebody with big plans, thanks to home equity ďŹ nancing from LCU.
