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iAdvertiser Disclosure
Advertiser Disclosure
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 Watertown Municipal Credit Union Rates & Review April 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.
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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: April 8, 2026
Watertown Municipal Credit Union's 15 month Term CD rates are at 0.30%, 6 month Term CD rates are at 0.20%. Watertown Municipal Credit Union's Personal Loan Rates are at 6.24%. MonitorBankRates evaluates the financial stability of Watertown Municipal Credit Union with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/08/2026. Watertown Municipal 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 Watertown Municipal Credit Union? Share your experience about Watertown Municipal Credit Union by leaving a review below, or read customer reviews before you decide to use Watertown Municipal Credit Union. Watertown Municipal Credit Union
WATERTOWN MUNICIPAL CREDIT UNION 149 MAIN ST
https://www.watertownmcu.com WATERTOWN, MA 02472 4410 
Watertown Municipal Credit Union CD Rates
Watertown Municipal Credit Union Mortgage Rates
Watertown Municipal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Watertown Municipal 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 Watertown Municipal 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 Watertown Municipal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Watertown Municipal Credit Union
Website
https://www.watertownmcu.com
Address
149 MAIN ST,
WATERTOWN, MA 02472 4410
Phone
617-924-0160
Fax
617-924-9307
President
ANTHONY FANTASIA
CEO
Luisa Figueiredo
Full-Time Employees
1
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Return on Assets (ROA)
0.8190%
Return on Equity (ROE)
2.3033%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
9,875,911
Total Amount of Shares and Deposits
6,291,547
Total Shares and Deposits < 1 Year
6,145,960
Total Shares and Deposits 1 3 Years
145,586
Total Insured Shares and Deposits > $250K (item 17 less item K)
6,291,547
Total Interest Expense (Sum of items 6 8)
4,906
Share Certificates
7
Number of Accounts for Regular Shares
672
All other shares
60
Net Income (unless the amount is already included in Undivided Earnings)
80,883
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
793,417
Total Liabilities
6,375,954
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Watertown Municipal Credit UnionIs Watertown Municipal Credit Union a safe place to deposit money?Yes, Watertown Municipal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Watertown Municipal Credit Union operate?Watertown Municipal 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 Watertown Municipal Credit Union?Yes, to access services at Watertown Municipal 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, Watertown Municipal 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, Watertown Municipal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Watertown Municipal Credit Union offer online and mobile banking?Most modern institutions like Watertown Municipal 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.watertownmcu.com. Compare to Other Credit Unions
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