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iAdvertiser Disclosure
Advertiser Disclosure
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 Quincy Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Quincy Credit Union's 6 Month Standard CD rates are at 3.85%, 12 Month Standard CD rates are at 3.25%, 24 Month Standard CD rates are at 3.00%, 36 Month Standard CD rates are at 3.00%, 48 Month Standard CD rates are at 3.00%. Quincy Credit Union's savings rates are at 0.10%. Quincy Credit Union's money market rates are at 1.50%. Quincy Credit Union's Fixed Mortgage - 30 Year Fixed rates are at 6.50%, Jumbo Fixed - 15 Year Fixed Rate rates are at 6.38%, Fixed Mortgage - 15 Year Fixed rates are at 6.38%, Fixed Mortgage - 20 Year Fixed rates are at 6.50%, Jumbo Fixed - 10 Year Fixed Rate rates are at 6.75%. Quincy Credit Union's Personal Loan Rates are as low as 12.65%. Quincy Credit Union's Credit Card Rates are at 8.99%. Quincy Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Quincy Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.24%. Rates last updated and verified on 10/30/2026. Quincy Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Quincy Credit Union? Share your experience about Quincy Credit Union by leaving a review below, or read customer reviews before you decide to use Quincy Credit Union. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Quincy Credit Union CD Rates
Quincy Credit Union Savings Rates
Quincy Credit Union Business Savings Rates
Quincy Credit Union Money Market Rates
Quincy Credit Union Checking Rates
Quincy Credit Union Business Checking Rates
Quincy Credit Union Mortgage Rates
Quincy Credit Union Home Equity & HELOC
Quincy Credit Union Auto Loan Rates
Quincy Credit Union RV, Boat and Powersport Loan Rates
Quincy Credit Union Credit Card Rates
Quincy Credit Union Personal Loan Rates
Quincy Credit Union Other Rates
Financial Health HistoryQuincy Credit Union’s Texas Ratio rose from 1.14% in Q3 2023 to 3.24% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Quincy Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Quincy Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Quincy Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Quincy Credit Union
Website
https://www.qcu.org
Address
100 Quincy Ave,
Quincy, MA 02169-6714
Phone
617-479-5558
Fax
617-479-1209
President
John Scribi
CEO
John Miller
Full-Time Employees
81
Part-Time Employees
5
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.24%
Return on Assets (ROA)
0.4060%
Return on Equity (ROE)
2.7859%
Non-Performing Loans Ratio (NPL)
0.75%
Total Assets
729,403,829
Total Amount of Shares and Deposits
645,780,202
Total Shares and Deposits < 1 Year
637,121,013
Total Shares and Deposits 1 3 Years
6,790,681
Total Shares and Deposits > 3 Years
1,868,508
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
38,556,229
Total Uninsured Shares and Deposits > $250K (F+J)
38,556,229
Total Insured Shares and Deposits > $250K (item 17 less item K)
607,223,973
Total Interest Expense (Sum of items 6 8)
4,225,590
Share Certificates
4,523
Number of Accounts for Share Drafts
26,826
IRA KEOGH Accounts
1,436
Number of Accounts for Regular Shares
46,700
Money Market Shares
1,206
Net Income (unless the amount is already included in Undivided Earnings)
2,961,490
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
59,008,239
Total Liabilities
643,940,460
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Quincy Credit Union
Frequently Asked Questions About Quincy Credit UnionDoes Quincy Credit Union offer CDs?Yes. Quincy Credit Union current CD rates include its 6 Month Standard CD at 3.85% APY, its 12 Month Standard CD at 3.25% APY and its 24 Month Standard CD at 3.00% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Quincy Credit Union NCUA insured?Yes. Quincy Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Quincy Credit Union?The highest Quincy Credit Union CD rate is its CD Special Rate - 16 Month at 4.13% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Quincy Credit Union offer?Quincy Credit Union CD rates are 3.85% APY for a 6 month CD, 3.25% APY for a 12 month CD, 3.00% APY for a 2 year CD, 3.00% APY for a 3 year CD, 3.00% APY for a 4 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Quincy Credit Union for its full lineup. What is the highest savings rate at Quincy Credit Union?The highest Quincy Credit Union savings rate is its Business Advantage Savings at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Quincy Credit Union?The highest Quincy Credit Union money market rate is its Money Market at 1.50% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest 30 year fixed mortgage rate at Quincy Credit Union?The lowest Quincy Credit Union 30 year fixed mortgage rate is its Fixed Mortgage - 30 Year Fixed at 6.50%, verified by MonitorBankRates as of October 30, 2026. Quincy Credit Union mortgage rates are 6.50% for a 30 year mortgage, 6.50% for a 20 year mortgage, 6.375% for a 15 year mortgage, 6.75% for a 10 year mortgage and 5.875% for a 1 year mortgage. What is the lowest auto loan rate at Quincy Credit Union?The lowest Quincy Credit Union auto loan rate is its New Auto Loans at 4.49% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Quincy Credit Union?The lowest Quincy Credit Union personal loan rate is its Personal Loans at 12.65% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Quincy Credit Union?The lowest Quincy Credit Union credit card APR is its VISA Traditional Credit Card (Variable Rate) at 8.99% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Quincy Credit Union operate?Quincy Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Quincy Credit Union?Yes, to access services at Quincy Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Quincy Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Quincy Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Quincy Credit Union offer online and mobile banking?Most modern institutions like Quincy Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.qcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Quincy Credit Union rates compare?Quincy Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. Quincy Credit Union's top rates are its CD Special Rate - 16 Month at 4.13% APY, its Business Advantage Savings at 0.10% APY, its Money Market at 1.50% APY, its Jumbo ARM 5/1 Year at 5.875%, its Personal Loans at 12.65% APR and its VISA Traditional Credit Card (Variable Rate) at 8.99% APR, verified by MonitorBankRates on October 30, 2026. Current Quincy Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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