Home equity options include a Home Equity Line of Credit at 6.250% APR and fixed rate home equity loans from 7.000% for 1 to 5 years, 7.500% for 6 to 10 years, 7.750% for 11 to 15 years, and 8.000% for 16 to 20 years. The HELOC variable APR is based on The Wall Street Journal Prime Rate minus 0.50%, with a maximum APR of 18.00% and a minimum floor rate of 3.50%. Maximum loan amount is $250,000. Homeowners insurance is required, flood insurance may be required, loan-to-value may not exceed 80%, and the loan is not available for homes currently for sale or to be sold within 6 months of closing.

View

Offer

Jumbo ARM Loan Rates

Jumbo adjustable-rate mortgage options include 7/1 year rates at 6.250%, 5/1 year rates at 6.000%, and 10/1 year rates at 6.500%. The fully indexed rate is 6.750%. ARM rates and APRs may increase after consummation. The interest rate is based on the 1-year U.S. Treasury Bill plus a margin of 2.75%, with adjustments capped at 2.00% per adjustment period and a lifetime maximum increase of 6.00%. Rates apply to single-family primary residences and second homes for purchases or refinances, with a loan-to-value ratio of 80% or less and a 60-day rate lock period. Actual rates may vary, are subject to change without notice, and require credit approval.

View

Offer

ARM Loan Rates

Adjustable-rate mortgage options include 7/1 year rates at 6.250%, 5/1 year rates at 6.000%, and 10/1 year rates at 6.500%. The fully indexed rate is 6.750%. ARM rates and APRs may increase after consummation. The interest rate is based on the 1-year U.S. Treasury Bill plus a margin of 2.75%, with adjustments capped at 2.00% per adjustment period and a lifetime maximum increase of 6.00%. Rates apply to single-family primary residences and second homes for purchases or refinances, with a loan-to-value ratio of 80% or less and a 60-day rate lock period. Actual rates may vary, are subject to change without notice, and require credit approval.

View

Offer

Fixed Jumbo Mortgage Rates

Fixed jumbo mortgage rates include 15 year fixed rates from 5.875% with 2 points and 10 year fixed rates of 6.250% with 0 points. Maximum jumbo loan limit is $1,500,000. Rates and terms may vary, are subject to change without notice, and require credit approval. These products are only available to qualifying members of Quincy Credit Union.

View

Offer

Fixed Mortgage Rates

Fixed mortgage rates include 30 year fixed rates from 6.000% with 2 points, 20 year fixed rates from 6.000% with 2 points, 15 year fixed rates from 5.875% with 2 points, and 10 year fixed rates of 6.250% with 0 points. QCU can make mortgage loans on properties in Massachusetts, Connecticut, Maine, New Hampshire, New York, Rhode Island, and Vermont. Maximum loan-to-value is 95% on purchases and 80% on cash-out refinances. Rates and terms may vary, are subject to change without notice, and require credit approval.

View

Offer

Consumer Loan Rates

Consumer loan rates include an automatic payment discount when payments are made from a QCU Checking Account. Available products include pre-owned auto loans from 3.99% APR for up to 36 months, new auto loans from 3.99% APR for up to 36 months, recreational vehicle loans at 7.74% APR for up to 120 months, personal loans from 12.65% APR for up to 48 months, overdraft protection at 12.90% APR, and VISA credit cards at rates shown. Actual APR, loan term, and approved loan amount are based on creditworthiness and loan conditions. Rates are subject to change at any time. Membership eligibility is required, a $5.00 Primary Share Account must be maintained, applicants must be at least 18 years old, and additional terms and conditions may apply.

View

Offer

Boat and RV Loans

Boat and RV loans with an APR with Auto Pay as low as 7.74% for terms up to 120 months. The payment per $1,000 is $12.00.

View

Offer

Student Loan Options

Quincy Credit Union partnered with Sallie Mae to provide student loan options for students and families pursuing higher education. Visit the Sallie Mae site for more information.

View

Offer

VISA Traditional Credit Card

The VISA Traditional Credit Card is a variable-rate revolving line of credit with an APR of 8.74%. Apply online.

View

Offer

VISA Signature Credit Card

The VISA Signature Credit Card is a variable-rate revolving line of credit with an APR of 17.75%. Apply online.

View

Offer

Overdraft Protection

Overdraft Protection, also called Reserve Credit, is available at a 12.90% APR. Apply online.

View

Offer

Personal Loans

Quincy Credit Union offers personal loans for terms up to 48 or 72 months, with APRs as low as 12.65% with automatic payments. Apply online.

View

About

Hours and details

ATM is a financial resource providing educational information about home equity lines of credit, including borrowing limits, repayment terms, variable rates, fees, and key considerations when comparing plans.

Atm
Bank
Financial service
Business and professional services
Banking and finance