Rates
Deposit Rates
Annual Percentage Yield is effective as of April 25, 2018. All Rates subject to change daily. Fees may reduce earnings on applicable accounts. Rates may change after the account is open.
Savings Rates
| Description | Interest Rate | APY | Minimum Daily Balance to Earn A.P.Y. | Minimum Amount to Open Account |
APY = Annual Percentage Yield.
Learn more about Membership at QCU. To open an account on-line, click here.
Investment Accounts
Money Market Deposit Accounts
| Description | Interest Rate | APY | Minimum Balance |
APY = Annual Percentage Yield. A $5.00 Primary Share Account is required for Membership. Membership eligibility requirements apply.
The Annual Percentage Yield is accurate as of the last dividend declaration date. Minimum balance to open and earn the stated Annual Percentage Yield. Rates subject to change at any time. Rates may change after the account is open. Fees may reduce earnings. Please see Member Service for information on fees and terms.
Share Certificates
| Description | Rate | APY | Minimum Daily Balance to Earn A.P.Y. | Minimum Amount to Open Account |
*6 to 11 month terms not available for IRAs
APY = Annual Percentage Yield.
A $5.00 Primary Share Savings Account is required for Membership. Membership eligibility requirements apply.
The Annual Percentage Yield is accurate as of the last dividend declaration date. Minimum balance to open and earn the stated Annual Percentage Yield. Fees may reduce earnings. All rates subject to change at any time. Penalty may apply for early withdrawal. Please see Member Service for information on fees and terms.
Learn more about Membership at QCU. Open an account on-line, click here.
Consumer Loan Rates
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Calculate Loan Payment
Click here for Student Loan Rates
Annual Percentage Rate is currently in effect and subject to change at anytime.
| Loan Type | Term | APR | Payment per $1,000 | APR with Auto Pay | Payment per $1,000 |
APR = Annual Percentage Rate.
(*) Please note Massachusetts Law prohibits credit card use for internet gambling purposes. A fee of 1% of the transaction amount posted to your account will be imposed on all foreign transactions made in foreign currency. A fee 0.8% of the transaction amount posted to your account will be imposed on all foreign transactions made in U.S Dollars.
For VISA Classic Credit Card disclosures, view Visa Cardholder Terms
(**) Your Annual Percentage Rate, Term and/or Approved Loan Amount may vary based on your credit worthiness. Please ask a loan representative for details regarding how your rate is determined. Payment per thousand example based on maximum term. Other rates and terms available.
Refinancing on existing QCU Auto Loans requires additional proceeds of $4,000.00 minimum.
Refinancing on existing QCU Unsecured Personal Loans requires additional proceeds of $2000.00 minimum.
Loan rates currently in effect and subject to change at any time. Loan applicants must be at least 18 years old to apply.
A $5.00 Primary Share Savings Account is required for Membership. Membership eligibility requirements apply.
+ $100 monthly payment from QCU Checking Account. Automatic Payment required.
AutoSMART Online Vehicle Shopping and Research center. Click here to enter
Real Estate Loan Rates
Click here for QCU's On-Line Mortgage Center
Rates change daily. Please call CU for current rates 617-479-5558.
Annual Percentage Rate is currently in effect and may change at anytime.
| Description | Rates | APR | Payment per $1,000 | Maximum Loan Amount |
Payment example based on the maximum term available and does not include insurance and taxes. Payments may be greater. Flood Insurance may be required.
*Contact QCU for further information.
**Increased loan amounts available for multi-family homes and under certain circumstances, single family homes.
| Description | Interest Rate | # of Monthly Payments | APR | Payment per $1,000 | Fully Indexed Rate | # of Monthly Payments | Payment per $1,000 | Maximum Loan Amount |
Payment example based on the maximum term available and does not include insurance and taxes. Payments may be greater. Flood Insurance may be required.
**ARM= Adjustable Rate Mortgage. (ARMs) and their APRs are subject to increase after consummation. Rate based on the 1, 3, 5 and 7 year U.S. Treasury Bill with a margin of 2.75%. There is a 2% cap per adjustment and a lifetime cap of 6%. For complete financing information on ARM's, please visit the credit union.
A $5.00 Primary Share Account is required for Membership. Membership eligibility requirements apply. The Annual Percentage Yield is accurate as of the last dividend declaration date. Rates subject to change at any time. Rates may change after the account is open. Please see Member Service for information on fees and terms. Federally insured by NCUA.
