Loan Rates
Consumer Loans
| Loan Type | Term | APR with Auto Pay As Low As* | Payment per $1,000 | |
|---|---|---|---|---|
| Pre-Owned Auto Loans | Up to 36 months | 4.24 | 29.63 | Apply Now |
| 37 - 48 months | 4.49 | 22.80 | ||
| 49 - 72 months | 4.74 | 15.98 | ||
| New Auto Loans | Up to 36 months | 4.24 | 29.63 | Apply Now |
| 37 - 48 months | 4.49 | 22.80 | ||
| 49 - 72 months | 4.74 | 15.98 | ||
| 73 - 84 months | 5.24 | 14.25 | ||
| Recreational Vehicles | Up to 120 months | 7.74 | 12.00 | Apply Now |
| Personal Loans | Up to 48 months | 11.40 | 26.04 | Apply Now |
| Up to 72 months | 12.40 | 19.76 | ||
| Overdraft Protection (Reserve Credit) | 12.90% | N/A | Apply Now | |
| VISA Signature Credit Card (Variable Rate) | Revolving line of credit | 18.00% | N/A | Apply Now |
| VISA Traditional Credit Card (Variable Rate) | Revolving line of credit | 9.24 | N/A | Apply Now |
| Fuel Assistance Line of Credit | Line open October 15 to April 15. | 5.00% | $100.00 payment per month | Apply Now |
| Vacation Loan | 12 months | 10.15 | 87.99 | Apply Now |
| Credit Builder Loan | Up to 12 months | 7.00% | $86.53 | Apply Now |
| Secured-Shares | Up to 72 months | 4.85% | $16.04 | Apply Now |
| 73- 144 months | 5.85% | $9.68 | Apply Now | |
| Secured by Certificate | Up to 72 months | 5% over CD Rate less 0.25% (5.05%) | $16.04 | Apply Now |
APR= Annual Percentage Rate
(*) .25% interest rate discount for auto pay does not apply to real estate loans. 1.00% interest rate discount for auto pay for Visa Classic Credit Card.
Payment examples based on the maximum term for each product.
*** Your Annual Percentage Rate, term and approved loan amount may vary based on your credit worthiness. Please ask a loan representative for details regarding how your rate is determined.
Loan rates currently in effect and subject to change at any time. Loan applications must be at least 18 years old to apply.
Membership eligibility requirements apply. $5.00 Primary share account required for membership.
Fixed Mortgage Rates
| Description | Rates | APR | Payment per $1,000 | |
|---|---|---|---|---|
| First Time Homebuyer up to 30 years Fixed | 6.625% + 0 points | 6.66% | $6.40 | Apply Now |
| 6.375%+ 1 point | 6.50% | $6.24 | ||
| 6.125% + 2 points | 6.35% | $6.08 | ||
| 30 Year Fixed | 6.375%+ 0 points | 6.41% | $6.24 | Apply Now |
| 6.125% + 1 point | 6.26% | $6.08 | ||
| 5.875% + 2 points | 6.10% | $5.92 | ||
| 20 Year Fixed | 6.375% + 0 points | 6.43% | $7.38 | Apply Now |
| 6.125% + 1 point | 6.30% | $7.24 | ||
| 5.875% + 2 points | 6.17% | $7.09 | ||
| 15 Year Fixed | 5.750% + 0 points | 5.81% | $8.30 | Apply Now |
| 5.500% + 1 point | 5.71% | $8.17 | ||
| 5.250% + 2 points | 5.62% | $8.04 | ||
| 10 Year Fixed | 5.500% + 0 points | 5.58% | $10.85 | Apply Now |
Fixed JUMBO Mortgage Rates
ARM Loan Rates
JUMBO ARM Loan Rates
*APR = Annual Percentage Rate. QCU Real estate Lending is restricted to properties within the state of Massachusetts. Maximum LTV is 95% on purchases and 80% on refinances.
** ARM = Adjustable Rate Mortgages ( ARMS) and their APRS are subject to increase after consummation. Rate based on the 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%.
+ Maximum mortgage amount on condominiums I $500,000
Home Equity Rates
| Description | Term | Rates | APR | Payment per $1,000 | Maximum Loan Amount | |
|---|---|---|---|---|---|---|
| Home Equity Line of Credit | 7.75% | 7.75% | N/A | $250,000 | Apply Now | |
| Fixed Rate Home Equity Loans | 16-20 years | 6.875% | 6.875% | $7.68 | $250,000 | Apply Now |
| 11-15 years | 6.625% | 6.625% | $8.78 | $250,000 | Apply Now | |
| 6-10 years | 6.125% | 6.125% | $11.16 | $250,000 | Apply Now | |
| 1-5 years | 5.875% | 5.875% | $19.27 | $250,000 | Apply Now |
*** Variable Annual Percentage Rate for HELOC based on The Wall Street Journal (8.25% effective as of 5/03/2023) Prime Rate minus 0.50% as published on the last business day of each month. Maximum APR 18% 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 home currently for sale or to be sold within 6 months of closing