---
title: "Quincy Credit Union Rates (Nov 2026): Mortgage 6.94%"
description: "Quincy Credit Union rates today: 15 year fixed mortgage 6.94% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Quincy Credit Union — verified membership eligibility with the requirements and cost to join."
canonical: "https://rateapi.dev/credit-unions/massachusetts/quincy"
last-updated: "2026-11-13"
source: "https://rateapi.dev/llms.txt"
---

# Quincy Credit Union Rates (Nov 2026): Mortgage 6.94%

### Mortgage rates

12 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **30-Year Fixed** 30 year fixed |  — APR |  7.000% |  — |  Standard |
| **15-Year Fixed** 15 year fixed |  — APR |  6.875% |  — |  Standard |
| **15-Year Fixed** 15 year fixed |  6.940% APR |  6.875% |  — |  Standard |
| **5/1 ARM** 5 1 arm |  — APR |  5.875% |  — |  Standard |
| **Jumbo 5/1 ARM** 5 1 arm |  — APR |  5.875% |  — |  Standard |
| **7/1 ARM** 7 1 arm |  — APR |  6.125% |  — |  Standard |
| **Jumbo 7/1 ARM** 7 1 arm |  — APR |  6.125% |  — |  Standard |
| **10/1 ARM** 10 1 arm |  — APR |  6.375% |  — |  Standard |
| **Jumbo 10/1 ARM** 10 1 arm |  — APR |  6.375% |  — |  Standard |
| **10-Year Fixed** 10 year fixed |  — APR |  6.750% |  — |  Standard |
| **10-Year Fixed** 10 year fixed |  6.840% APR |  6.750% |  — |  Standard |
| **20-Year Fixed** 20 year fixed |  — APR |  7.000% |  — |  Standard |
Quincy Credit Union mortgage rates as of November 6, 2026

### Auto & vehicle rates

2 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **36-Month New Auto Loan** auto_new_36mo |  — APR |  4.490% |  36 mo · new |  Standard |
| **Pre-Owned Auto Loan** auto_used_36mo |  — APR |  4.490% |  36 mo · used |  Standard |
Quincy Credit Union auto & vehicle rates as of November 6, 2026

### HELOC rates

2 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **HELOC (Variable)** heloc_variable |  — APR |  6.500% |  — |  Standard |
| **Home Equity Loan (Fixed)** heloc_fixed |  — APR |  8.375% |  — |  Standard |
Quincy Credit Union heloc rates as of November 6, 2026

### Personal loan rates

2 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **48-Month Unsecured Personal Loan** personal_unsecured_48mo |  — APR |  12.650% |  48 mo |  Standard |
| **Overdraft Protection (Reserve Credit)** personal |  — APR |  12.900% |  — |  Standard |
Quincy Credit Union personal loan rates as of November 6, 2026

### Credit card rates

2 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **VISA Traditional Credit Card (Variable Rate)** credit_card |  — APR |  8.990% |  — |  Standard |
| **VISA Signature Credit Card (Variable Rate)** credit_card_platinum |  — APR |  18.000% |  — |  Standard |
Quincy Credit Union credit card rates as of November 6, 2026

### Savings & CD rates

14 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **72-Month Certificate** cd_72mo |  — APY |  2.71% |  72 mo |  Standard |
| **72-Month Certificate** cd_72mo |  — APY |  2.75% |  72 mo |  Standard |
| **36-Month Certificate** cd_36mo |  — APY |  2.96% |  36 mo |  Standard |
| **60-Month Certificate** cd_60mo |  — APY |  2.96% |  60 mo |  Standard |
| **48-Month Certificate** cd_48mo |  — APY |  2.96% |  48 mo |  Standard |
| **24-Month Certificate** cd_24mo |  — APY |  2.96% |  24 mo |  Standard |
| **60-Month Certificate** cd_60mo |  — APY |  3.00% |  60 mo |  Standard |
| **24-Month Certificate** cd_24mo |  — APY |  3.00% |  24 mo |  Standard |
| **36-Month Certificate** cd_36mo |  — APY |  3.00% |  36 mo |  Standard |
| **48-Month Certificate** cd_48mo |  — APY |  3.00% |  48 mo |  Standard |
| **12-Month Certificate** cd_12mo |  — APY |  3.20% |  12 mo |  Standard |
| **12-Month Certificate** cd_12mo |  — APY |  3.25% |  12 mo |  Standard |
| **6-Month Certificate** cd_6mo |  — APY |  3.78% |  6 mo |  Standard |
| **6-Month Certificate** cd_6mo |  — APY |  3.85% |  6 mo |  Standard |
Quincy Credit Union savings & cd rates as of November 6, 2026

As of November 6, 2026, Quincy Credit Union offers a 15-year fixed mortgage at 6.94% APR.

> Source: [RateAPI.dev](https://rateapi.dev/credit-unions/massachusetts/quincy) , verified from [Quincy Credit Union's official website](https://www.qcu.org/)

Best statewide position **#1 of 31** Used Auto Loan (best offer, cars)

Percentile band **Top 4%** among comparable MA offers

Products tracked **5** in this dated snapshot

Best-position spread **165 bp better than state median** State market leader

| Product |  Published rate |  State rank |  State best |  State median |  Position vs. median |
| 30-Year Fixed Mortgage (purchase) |  6.50% APR |  #13 of 20 · top 65% |  5.57% |  6.44% |  6 bp behind state median |
| New Auto Loan (best offer, cars) |  3.99% APR |  #1 of 25 · top 4% |  3.99% |  4.99% |  100 bp better than state median |
| Used Auto Loan (best offer, cars) |  3.99% APR |  #1 of 31 · top 4% |  3.99% |  5.64% |  165 bp better than state median |
| HELOC (best offer) |  6.25% APR |  #32 of 47 · top 69% |  3.75% |  6.00% |  25 bp behind state median |
| Personal Loan (unsecured, best offer) |  12.65% APR |  #63 of 66 · top 96% |  4.00% |  8.50% |  415 bp behind state median |
Published rate position by comparable product on August 1, 2026

Loading branch locator…

## About Quincy Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members

39.3K

Assets

$733M

Founded

1937

Locations reported

4

NCUA charter

67709

Charter type

Federally insured state-chartered 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
- First-time homebuyer program
- Student scholarships

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** Quincy · Quincy · MA · 02169 About 0.7 miles away](https://rateapi.dev/credit-unions/massachusetts/brightbridge) [**Mass Bay** Quincy Center · Quincy · MA · 02169 About 1.0 miles away](https://rateapi.dev/credit-unions/massachusetts/mass-bay) [**Taupa Lithuanian** Disaster recovery · Quincy · MA · 02170-3204 About 1.5 miles away](https://rateapi.dev/credit-unions/massachusetts/taupa-lithuanian) [**Liberty Bay** Liberty Bay Credit Union · Braintree · MA · 02184-3909 About 1.5 miles away](https://rateapi.dev/credit-unions/massachusetts/liberty-bay) [**Boston Firefighters** Granite Ave Back Office · Milton · MA · 02186 About 2.8 miles away](https://rateapi.dev/credit-unions/massachusetts/boston-firefighters) [**Tremont** Executive Offices and Operations Center · Milton · MA · 02186 About 2.8 miles away](https://rateapi.dev/credit-unions/massachusetts/tremont)

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 Quincy Credit Union

Membership eligibility from Quincy Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) .

Membership criteria are published on Quincy Credit Union's website. Check the membership page below to confirm whether you qualify.

- Location norfolk, plymouth — MA

Verified from [Quincy Credit Union's membership page](https://www.qcu.org/about-qcu/join-us/) . Final membership determination is always made by the credit union.

## Membership rules for Quincy Credit Union

Geography 2 counties · Family

3 published paths to membership, last verified August 21, 2026, quoted from Quincy Credit Union’s own published criteria.

### Geography 2

Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026

- Norfolk County, MA
- Plymouth County, MA

“Areas We Serve Norfolk County and Plymouth County”

> [source ↗](https://www.qcu.org/about-qcu/join-us/)

### Family 1

Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026

  - Family of a member

“If you live, work, have a family member, or know someone who is already a member in the counties we serve, you’re welcome here.”

> [source ↗](https://www.qcu.org/about-qcu/join-us/)

- Family member 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 Quincy Credit Union? Yes No

## Work at Quincy 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 Quincy Credit Union ranks against Massachusetts peers.

- See which AI assistants fetched Quincy 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=quincy&state=massachusetts&code=MA&name=Quincy%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions)

## Frequently Asked Questions

### What rates does Quincy Credit Union offer?

Quincy Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 6, 2026 directly from the credit union's official website.

### How often are Quincy Credit Union rates updated?

RateAPI verifies Quincy Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 6, 2026.

### Where does RateAPI get Quincy Credit Union's rate data?

Rate data is collected directly from Quincy Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

### What is Quincy Credit Union's mortgage rate?

As of November 6, 2026, Quincy Credit Union offers a 15-year fixed mortgage at 6.94% APR.

### Who can join Quincy Credit Union?

Quincy Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 2 counties for Quincy Credit Union, each quoted from Quincy Credit Union's own published membership criteria. Immediate family of an existing member also qualify.

## Related Rate Data

Compare Quincy 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.qcu.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 Quincy 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 Quincy Credit Union
curl "https://api.rateapi.dev/credit-unions/massachusetts /quincy " \
  -H "Authorization : Bearer YOUR_API_KEY"
```

[Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp)

Branch locator

## Quincy Credit Union locations

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---

Source: https://rateapi.dev/credit-unions/massachusetts/quincy
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp