--- title: "Nesc Credit Union Rates - Massachusetts" description: "Current mortgage, vehicle loan, heloc, personal loan, credit card, and savings & cd rates from Nesc Credit Union in Massachusetts. Updated daily with source verification. See who can join Nesc Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/massachusetts/nesc" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Nesc Credit Union Rates - Massachusetts ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **5/5 ARM** No lender closing costs** 5 5 arm | — APR | 6.000% | — | Standard | Nesc Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 8 offers | Product | Published | Rate | Term / condition | Status | | **84-Month Auto Loan (2018 and Newer)** auto_any_84mo | — APR | 4.990% | 84 mo | Standard | | **60-Month Auto Loan (2018 and Newer)** auto_any_60mo | — APR | 4.990% | 60 mo | Standard | | **72-Month Auto Loan (2018 and Newer)** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **84-Month Auto Loan (2018 and Newer)** auto_any_84mo | — APR | 5.990% | 84 mo | Standard | | **Recreational Vehicle Rates - includes Campers and Motorcycles (60 months)** rv_any_60mo | — APR | 6.990% | 60 mo | Standard | | **48-Month Auto Loan (2015 and Newer)** auto_any_48mo | — APR | 6.990% | 48 mo | Standard | | **Recreational Vehicle Rates - includes Campers and Motorcycles (72 months)** rv_any_72mo | — APR | 7.490% | 72 mo | Standard | | **Recreational Vehicle Rates - includes Campers and Motorcycles (84 months)** rv_any_84mo | — APR | 7.990% | 84 mo | Standard | Nesc Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **20-Year Home Equity Loan** heloc | — APR | 5.990% | — | Standard | Nesc Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Saving Secured** personal_secured_60mo | — APR | 4.990% | 60 mo | Standard | | **84-Month Share-Secured Loan** personal_secured_84mo | — APR | 5.990% | 84 mo | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 9.990% | 60 mo | Standard | | **24-Month Credit Builder Loan** personal_unsecured_24mo | — APR | 10.990% | 24 mo | Standard | Nesc Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Balance Transfer Credit Card** credit_card_balance_transfer | — APR | 12.500% | — | Standard | | **Cash Advance APR** credit_card | — APR | 12.500% | — | Standard | Nesc Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Classic Checking** checking | — APY | 0.10% | — | Standard | | **Savings** share_savings | — APY | 0.10% | — | Standard | | **Money Market** money_market | — APY | 0.25% | — | Standard | | **Christmas Club (balances up to $1.000) (balance in excess of $1,000)** savings | — APY | 5.00% | — | Specialty offer | Nesc Credit Union savings & cd rates as of November 12, 2026 Nesc Credit Union is a credit union in Massachusetts. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/massachusetts/nesc) , verified from [Nesc Credit Union's official website](https://www.nescfcu.org/) Loading branch locator… ## About Nesc Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7.9K Assets $125.8M Founded 1958 Locations reported 4 NCUA charter 12334 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Brightbridge** Methuen Branch · Methuen · MA · 01844 Branch in the same ZIP](https://rateapi.dev/credit-unions/massachusetts/brightbridge) [**First Technology** Methuen · Methuen · MA · 01844 Branch in the same ZIP](https://rateapi.dev/credit-unions/california/first-technology) [**Methuen** Methuen Federal Credit Union · Methuen · MA · 01844 About 1.2 miles away](https://rateapi.dev/credit-unions/massachusetts/methuen) [**Jeanne D'arc** Methuen · Methuen · MA · 01844-5871 About 2.6 miles away](https://rateapi.dev/credit-unions/massachusetts/jeanne-darc) [**Service** Salem Branch Office · Salem · NH · 03079 About 4.1 miles away](https://rateapi.dev/credit-unions/new-hampshire/service) [**HTM** HTM Credit Union · Haverhill · MA · 01830-5843 About 5.7 miles away](https://rateapi.dev/credit-unions/massachusetts/htm) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Nesc Credit Union Membership eligibility from Nesc Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Nesc Credit Union's website. Check the membership page below to confirm whether you qualify. - Location essex, middlesex, rockingham, hillsborough — MA, NH Verified from [Nesc Credit Union's membership page](https://www.nescfcu.org/discover/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Nesc Credit Union Geography 4 counties · Family 17 published paths to membership, last verified August 27, 2026, quoted from Nesc Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Essex County, MA - Hillsborough County, NH - Middlesex County, MA - Rockingham County, NH “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Essex County, MA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family “You’re eligible if you live, work, worship, or attend school in Essex or Middlesex County, MA, or Rockingham or Hillsborough County, NH — or if you’re an immediate family member of a current member.” > [source ↗](https://www.nescfcu.org/discover/become-a-member) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Nesc Credit Union? Yes No ## Work at Nesc Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Nesc Credit Union ranks against Massachusetts peers. - See which AI assistants fetched Nesc Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Massachusetts - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=nesc&state=massachusetts&code=MA&name=Nesc%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Nesc Credit Union offer? Nesc Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Nesc Credit Union rates updated? RateAPI verifies Nesc Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Nesc Credit Union's rate data? Rate data is collected directly from Nesc Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Nesc Credit Union? Nesc Credit Union publishes its membership criteria on its own website. RateAPI tracks 17 published membership paths covering 4 counties for Nesc Credit Union, each quoted from Nesc Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Nesc Credit Union's rates against national credit-union benchmarks. [More Massachusetts credit unions](https://rateapi.dev/credit-unions/massachusetts) [Massachusetts mortgage rate leaders](https://rateapi.dev/mortgage-rates/massachusetts) [Massachusetts auto loan rate leaders](https://rateapi.dev/auto-loan-rates/massachusetts) [Massachusetts HELOC rate leaders](https://rateapi.dev/heloc-rates/massachusetts) [Massachusetts personal loan leaders](https://rateapi.dev/personal-loan-rates/massachusetts) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.nescfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Nesc Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Massachusetts credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Nesc Credit Union curl "https://api.rateapi.dev/credit-unions/massachusetts /nesc " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Nesc Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/massachusetts/nesc Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp