Fixed rate home equity loans are available at 7.000% APR for 1 to 5 years, 7.500% APR for 6 to 10 years, 7.750% APR for 11 to 15 years, and 8.000% APR for 16 to 20 years. The maximum loan amount is $250,000. Homeowners insurance is required, flood insurance may be required, and loan-to-value may not exceed 80%. Not available for homes currently for sale or to be sold within 6 months of closing.

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Home Equity Line of Credit

Home Equity Line of Credit at 6.250% APR, with a maximum loan amount of $250,000. The variable annual percentage rate is based on The Wall Street Journal Prime Rate, 6.75% effective as of December 10, 2025, minus 0.50%. The maximum APR is 18.00% and the minimum floor rate is 3.50%. Homeowners insurance is required, flood insurance may be required, and loan-to-value may not exceed 80%. Not available for homes currently for sale or to be sold within 6 months of closing.

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Jumbo ARM Loan Rates

Jumbo adjustable-rate mortgage options include 7/1-year rates at 6.250% interest and 7.20% APR, 5/1-year rates at 6.000% interest and 7.16% APR, and 10/1-year rates at 6.500% interest and 6.77% APR. The fully indexed rate is 6.750%. ARM rates and APRs may increase after consummation. Rates shown apply to single-family primary residences and second homes for purchase or refinance, with a loan-to-value ratio of 80% or less and a 60-day rate lock period. Rates require credit approval and are subject to change without notice.

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ARM Loan Rates

Adjustable-rate mortgage options include 7/1-year rates at 6.250% interest and 7.21% APR, 5/1-year rates at 6.000% interest and 7.17% APR, and 10/1-year rates at 6.500% interest and 7.35% APR. The fully indexed rate is 6.750%. ARM rates and APRs may increase after consummation. Rates shown apply to single-family primary residences and second homes for purchase or refinance, with a loan-to-value ratio of 80% or less and a 60-day rate lock period. Rates require credit approval and are subject to change without notice.

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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. APRs range from 6.24% to 6.42% for the listed options. Other rates and terms may apply. Rates are subject to change without notice and require credit approval.

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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. APRs range from 6.23% to 6.54% for the listed options. Rates and terms may vary, require credit approval, and are subject to change without notice. QCU may make mortgage loans on properties in Massachusetts, Connecticut, Maine, New Hampshire, New York, Rhode Island, and Vermont.

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Consumer Loan Rates

Consumer loan rates with automatic payment discount when payments are made from a QCU Checking Account. Pre-owned and new auto loans start at 3.99% APR for terms up to 36 months. Recreational vehicle loans are 7.74% APR for up to 120 months. Personal loans start at 12.65% APR for terms up to 48 months. Overdraft Protection is 12.90% APR, VISA Signature Credit Card is 17.75% APR, and VISA Traditional Credit Card is 8.74% APR. Actual APR, loan term, and approved loan amount are based on creditworthiness and loan conditions. Rates are subject to change. Membership eligibility is required, including a $5.00 Primary Share Account, and applicants must be at least 18 years old. Additional terms and conditions may apply.

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Jet Ski Loans

Finance your new jet ski purchase quickly and easily with low loan rates and an easy application.

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Boat and RV Loans

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

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VISA Traditional Credit Card

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

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VISA Signature Credit Card

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

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Overdraft Protection

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

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About

Hours and details

Quincy Credit Union provides financial services and educational resources, including guidance on home equity lines of credit. Its materials help members understand borrowing limits, variable rates, repayment terms, fees, and responsible use of home-secured credit.

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