Explore current QCU rates for buying, refinancing, or borrowing against your home’s equity.
Mortgage Rates
Fixed Mortgage Rates
| Description | Rates | APR | Payment per $1,000 | |
|---|---|---|---|---|
| 30 Year Fixed | 7.000%+ 0 points | 7.04% | $6.65 | Apply Now |
| 6.750% + 1 point | 6.89% | $6.49 | ||
| 6.500% + 2 points | 6.74% | $6.32 | ||
| 20 Year Fixed | 7.000+ 0 points | 7.06% | $7.75 | Apply Now |
| 6.750% + 1 point | 6.93% | $7.60 | ||
| 6.500% + 2 points | 6.81% | $7.46 | ||
| 15 Year Fixed | 6.875% + 0 points | 6.94% | $8.92 | Apply Now |
| 6.625% + 1 point | 6.85% | $8.78 | ||
| 6.375% + 2 points | 6.76% | $8.64 | ||
| 10 Year Fixed | 6.750% + 0 points | 6.84% | $11.48 | Apply Now |
Fixed Jumbo Mortgage Rates
Adjustable-Rate Mortgage (ARM) Rates
Jumbo ARM Rates
Additional Mortgage Information
APR = Annual Percentage Rate. QCU is allowed to make mortgage loans on properties located in Massachusetts, Connecticut, Maine, New Hampshire, New York, Rhode Island, and Vermont. Maximum LTV is 95% on purchases and 80% on cash-out refinances.
Maximum Conventional Loan Limits for Norfolk and Plymouth counties: 1 Unit $806,500, 2 Units $1,032,650, 3 Units $1,248,150 and 4 Units $1,551,250. Maximum Jumbo Loan Limits $1,500,000. Other rates and terms may apply; call for details.
Adjustable-rate mortgages (ARMs) and their APRs may increase after consummation. The interest rate is based on the 1-year U.S. Treasury Bill plus a margin of 2.75%. Rate adjustments are capped at 2.00% per adjustment period, with a lifetime maximum increase of 6.00%.
The ARM rates shown apply to a single-family primary residence and second homes and are available for either a home purchase or refinance. These rates assume a loan amount of up to $806,500 for conforming loans, or $806,501 and above for jumbo loans, with a loan-to-value ratio of 80% or less and a 60-day rate lock period.
Actual rates may vary depending on the borrower’s specific situation, and high-balance county loan limits may apply. All rates are subject to change without notice and require credit approval.
*These products are only available to qualifying members of Quincy Credit Union.
Home Equity Rates
| Description | Term | Rates | APR | Payment per $1,000 | Maximum Loan Amount | |
|---|---|---|---|---|---|---|
| Home Equity Line of Credit | 6.50% | 6.50% | N/A | $250,000 | Apply Now | |
| Fixed Rate Home Equity Loans | 16-20 years | 8.375% | 8.375% | $8.60 | $250,000 | Apply Now |
| 11-15 years | 8.125% | 8.125% | $9.63 | $250,000 | Apply Now | |
| 6-10 years | 7.875% | 7.875% | $12.07 | $250,000 | Apply Now | |
| 1-5 years | 7.375% | 7.375% | $19.98 | $250,000 | Apply Now |
Additional Home Equity Information
Variable Annual Percentage Rate for HELOC based on The Wall Street Journal Prime Rate (
7.00%effective as of
09/17/2026) minus 0.50% as published on the last business day of each month. Maximum APR 18.00% Minimum Floor Rate 3.50%
Maximum loan amount is $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.