--- title: "River Works Credit Union: #1 New Auto Loan in Massachusetts" description: "River Works Credit Union has the lowest tracked new-car loan rate in Massachusetts (4.99% APR) among 42 credit unions we verify. River Works Credit Union rates today: auto loans from 4.99% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join River Works Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/massachusetts/river-works" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # River Works Credit Union: #1 New Auto Loan in Massachusetts ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | 4.990% APR | 4.990% | new | Standard | | **Used Auto Loan** auto_used | — APR | 4.990% | used | Standard | River Works Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC as low as PRIME** heloc_variable | — APR | 4.500% | — | Standard | River Works Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Personal Loan as low as 11.00% APR* *Annual Percentage** personal_unsecured | — APR | 4.990% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 11.000% | — | Standard | River Works Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 6 offers | Product | Published | Rate | Term / condition | Status | | **12-Month Certificate** cd_12mo | 1.51% APY | 1.50% | 12 mo | Context only | | **18-Month Certificate** cd_18mo | 1.76% APY | 1.75% | 18 mo | Context only | | **24-Month Certificate** cd_24mo | 2.02% APY | 2.00% | 24 mo | Context only | | **36-Month Certificate** cd_36mo | 2.78% APY | 2.75% | 36 mo | Context only | | **CD's** cd | — APY | 4.50% | — | Standard | | **3-Month Certificate** cd_3mo | 4.50% APY | 4.41% | 3 mo | Context only | River Works Credit Union savings & cd rates as of November 13, 2026 Auto loans available from 4.99% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/massachusetts/river-works) , verified from [River Works Credit Union's official website](https://www.rwcu.com/) Best product position **#1 of 42** new-car loan Gap to state best **0 bp** State market leader Vs. state median **1 bp better than median** new-car loan Products ranked **1** across tracked Massachusetts markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 4.99% | #1 of 42 · lowest in Massachusetts | State market leader | 1 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim River Works Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=river-works&state=massachusetts&code=MA&name=River%20Works%20Credit%20Union) Loading branch locator… ## About River Works Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 5.3K Assets $189.8M Founded 1936 Locations reported 5 NCUA charter 66346 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 - First-time homebuyer program - Bilingual services - 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. [**LYNN Teachers** MAIN OFFICE · LYNN · MA · 01902-4311 About 0.9 miles away](https://rateapi.dev/credit-unions/massachusetts/lynn-teachers) [**Brotherhood** Main/Corporate Office · Lynn · MA · 01901 About 1.2 miles away](https://rateapi.dev/credit-unions/massachusetts/brotherhood) [**Massachusetts Family** Mass Family CU · Lynn · MA · 01901 About 1.4 miles away](https://rateapi.dev/credit-unions/massachusetts/massachusetts-family) [**LYNN Firemens** Lynn Firemen's FCU · Lynn · MA · 01904 About 1.4 miles away](https://rateapi.dev/credit-unions/massachusetts/lynn-firemens) [**St. Jean's** Main office-lynn · lynn · MA · 01904 About 1.6 miles away](https://rateapi.dev/credit-unions/massachusetts/st-jeans) [**Webster First** Saugus Main · Saugus · MA · 01906-3157 About 3.7 miles away](https://rateapi.dev/credit-unions/massachusetts/webster-first) 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 River Works Credit Union Membership eligibility from River Works Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on River Works Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer General Electric Company, Electric Insurance, Butler Services, G.E. Apparatus Service Center, G.E. Corporate Supply, Fitness System inc., Belcan Corporation, electrical contractors and organizations conducting business with above Union Locals - Association International Brotherhood of Electrical Workers, Union Local 103 of Greater Boston, MA Verified from [River Works Credit Union's membership page](https://www.rwcu.com/about-us/) . Final membership determination is always made by the credit union. ## Membership rules for River Works Credit Union Employers 3 · Associations · Family 2 6 published paths to membership, last verified August 21, 2026, quoted from River Works Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of electrical contractors and organizations conducting business with above Union Locals “All employees of electrical contractors and organizations conducting business with above Union Locals are eligible to join.” > [source ↗](https://www.rwcu.com/about-us/) - Employee of electrical contractors and organizations conducting business with above Union Locals - Employee of General Electric Co. - Works in city:MA:lynn “General Electric Company, located in Lynn, Massachusetts” > [source ↗](https://www.rwcu.com/about-us/) - Employee of General Electric Co. and Works in Lynn, MA - Employee of any organization affiliated with the General Electric Company “all employees (including family members/relatives) of any organization affiliated with the General Electric Company.” > [source ↗](https://www.rwcu.com/about-us/) - Employee of any organization affiliated with the General Electric Company ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of International Brotherhood of Electrical Workers, Union Local 103 of Greater Boston, MA “Employees, Regular members and registered apprentices (including family members/relatives) of: International Brotherhood of Electrical Workers, Union Local 103 of Greater Boston, MA” > [source ↗](https://www.rwcu.com/about-us/) - Member of International Brotherhood of Electrical Workers, Union Local 103 of Greater Boston, MA ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member family members, relatives “all employees (including family members/relatives) of any organization affiliated with the General Electric Company.” > [source ↗](https://www.rwcu.com/about-us/) - Family member (family members, relatives) of a member - Family of a member “Our field of membership includes those individuals and their families who live, or work in Essex County, Middlesex County and Suffolk County.” > [source ↗](https://www.rwcu.com/about-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 River Works Credit Union? Yes No ## Work at River Works 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 River Works Credit Union ranks against Massachusetts peers. - See which AI assistants fetched River Works 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=river-works&state=massachusetts&code=MA&name=River%20Works%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does River Works Credit Union offer? River Works Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are River Works Credit Union rates updated? RateAPI verifies River Works Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get River Works Credit Union's rate data? Rate data is collected directly from River Works Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are River Works Credit Union's auto loan rates? As of November 13, 2026, River Works Credit Union offers auto loans from 4.99% APR. ### Who can join River Works Credit Union? River Works Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 3 employers and 1 association for River Works Credit Union, each quoted from River Works Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare River Works Credit Union's rates against national credit-union benchmarks. [More Massachusetts credit unions](https://rateapi.dev/credit-unions/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) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [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.rwcu.com/) ### 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 River Works 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 River Works Credit Union curl "https://api.rateapi.dev/credit-unions/massachusetts /river-works " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## River Works Credit Union locations Search, filter, and browse all 5 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/river-works Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp