Rates

Deposit Rates

Annual Percentage Yield is effective as of July 14, 2017. All Rates subject to change daily. Fees may reduce earnings on applicable accounts.  Rates may change after the account is open.

Savings Rates


DescriptionInterest RateAPYMinimum 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.

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Investment Accounts

Money Market Deposit Accounts


DescriptionInterest RateAPYMinimum 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.

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Share Certificates

DescriptionRateAPYMinimum 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

Apply Online   

Calculate Loan Payment

 

Click here for Student Loan Rates

Annual Percentage Rate is currently in effect and subject to change at anytime.

 

Loan TypeTermAPRPayment per $1,000APR with Auto PayPayment 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

 

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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.

DescriptionRatesAPRPayment per $1,000Maximum 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.

DescriptionInterest Rate# of Monthly PaymentsAPRPayment per $1,000Fully Indexed Rate# of Monthly PaymentsPayment per $1,000Maximum 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.

 

APR = Annual Percentage Rate. $5.00 Primary Share Savings Account is required for Membership. Membership eligibility requirements apply. QCU Real Estate Lending is restricted to properties within the State of Massachusetts. Maximum LTV is 95% on purchases and 80% on refinances.
 
 + Maximum Mortgage Amount on Condominiums is $500,000.
 
Home Equity Loan Information
 
*** Variable Annual Percentage Rate for HELOC based on The Wall Street Journal Prime Rate minus 0.50% as published on the last business day of each month. As of 6/30/2017, The Prime Rate was 4.25%. Maximum APR 18%. Minimum APR 3.50%.
 
Minimum loan amount $10,000. Maximum loan amount $250,000. Homeowners insurance is required. Flood Insurance may be required.
 
Loan-to-value not to exceed 80%. Not available for homes currently for sale or to be sold within 6 months of closing.
 
There are no processing fees on home equity loans, unless in the case of the Subsequent Application fee which will be charged if refinancing a current Quincy Credit Union home equity loan that was closed within 6 months prior to and less than $10,000 in additional funds is advanced.
 

 

 

 

                                                                   

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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.

Quincy Credit Union 100 Quincy Avenue Quincy, MA 02169 Email Phone: (617) 479-5558 Fax: (617) 479-1209
519 Columbian Street Weymouth, MA 02190 Email Phone: (781) 340-7117 Fax: (781) 340-7199 Toll Free: (866) 479-5558

QCU offers financial products and services to individuals who live or work in Norfolk and Plymouth Counties and Dorchester, as well as their families. A $5.00 Primary Share Account is required for Membership. Quincy Credit Union NMLS ID # 407326.
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