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Watertown Municipal Credit Union

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Watertown Municipal Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Watertown Municipal Credit Union's 15 Month CD rates are at 0.30%, 6 Month CD rates are at 0.20%. Watertown Municipal Credit Union's Personal Loan Rates are as low as 9.24%. MonitorBankRates evaluates the financial stability of Watertown Municipal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/22/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Watertown Municipal Credit Union
WATERTOWN MUNICIPAL CREDIT UNION

149 MAIN ST
WATERTOWN, MA 02472-4410

https://www.watertownmcu.com

Watertown Municipal Credit Union CD Rates

Product	Rate	APY	Term
15 Month Certificate	-	0.30%	15 Months
Min Deposit $1,000 Details * Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month Certificate	-	0.20%	6 Months
Min Deposit $1,000 Details * Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Watertown Municipal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Autos 2022/2023/2024 Models	-	-	6.00%	24 Months
Details Minimum 10% Down Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Autos 2019/2020/2021 Models	-	-	7.49%	Up to 36 Months
Details Minimum 20% Down Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Watertown Municipal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.24%	12 Months
Details $5,001.00 to $10,000.00; Model Year: 2020 - 2021 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Watertown Municipal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Holiday/Vacation Loan	-	-	5.24%	Up to 12 Months
Details Up to $3,000.00; Model Year: 2020 - 2021 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Home Improvement Loan	-	-	9.75%	Up to 60 Months
Details Up to $9,900.00; Model Year: 2020 - 2021 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Regular Shares	-	-	0.10%
Min Balance $25 Details minimum to earn APY Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Watertown Municipal Credit Union’s Texas Ratio stayed near 0.15% in Q2 2023 to 0.00% in Q1 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$10M	0.00%	5.0	A+
December 31, 2025	$10M	0.00%	5.0	A+
September 30, 2025	$10M	0.00%	5.0	A+
June 30, 2025	$10M	0.00%	5.0	A+
March 31, 2025	$10M	0.00%	5.0	A+
December 31, 2024	$10M	0.00%	5.0	A+
September 30, 2024	$10M	0.00%	5.0	A+
June 30, 2024	$10M	0.00%	5.0	A+
March 31, 2024	$10M	0.00%	5.0	A+
December 31, 2023	$10M	0.00%	5.0	A+
September 30, 2023	$10M	0.12%	5.0	A+
June 30, 2023	$10M	0.15%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.00%

Return on Assets (ROA)

0.2326%

Return on Equity (ROE)

0.6487%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

9,907,390

Total Amount of Shares and Deposits

6,276,828

Total Shares and Deposits < 1 Year

6,131,097

Total Shares and Deposits 1 3 Years

145,731

Total Insured Shares and Deposits > $250K (item 17 less item K)

6,276,828

Total Interest Expense (Sum of items 6 8)

1,549

Share Certificates

Number of Accounts for Regular Shares

650

All other shares

Net Income (unless the amount is already included in Undivided Earnings)

23,049

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)

1,714,573

Total Liabilities

6,365,667

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Watertown Municipal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Watertown Municipal Credit Union

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.