What are the current interest rates at Quincy Credit Union?

Current rates for Quincy Credit Union include: 12-Month CD: 3.25%, 24-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 0.10%, MMA: 1.50%

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Quincy Credit Union

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Quincy Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Quincy Credit Union's top rates as of October 10, 2026 are 4.13% APY on its 16 month CD Special Rate, 0.10% APY on savings, 1.50% APY on money market accounts, 6.38% on its 15 Year Fixed Rate Mortgage, personal loans from 12.65% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other Quincy Credit Union CD rates include 16 Month CD at 4.13%, 6 Month CD at 3.85%, and 12 Month CD at 3.25%. Other Quincy Credit Union mortgage rates include Fixed Mortgage - 30 Year Fixed at 6.50%, Fixed Mortgage - 15 Year Fixed at 6.38%, and Fixed Mortgage - 20 Year Fixed at 6.50%. 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 10/10/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.24%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Quincy Credit Union
Main Office

100 Quincy Ave
Quincy, MA 02169-6714

https://www.qcu.org

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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

Product	Rate	APY	Term
16 month CD Special Rate	4.05%	4.13%	16 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.13% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
16 Month Certificate	4.05%	4.13%	16 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.13% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
6 Month Certificate	3.78%	3.85%	6 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
12 Month Certificate	3.20%	3.25%	12 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
24 Month Certificate	2.96%	3.00%	24 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
36 Month Certificate	2.96%	3.00%	36 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
48 Month Certificate	2.96%	3.00%	48 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
60 Month Certificate	2.96%	3.00%	60 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Quincy Credit Union Savings Rates

Product	Rate	APY	View More
Primary Share Savings Account	0.10%	0.10%
Min Deposit $5 Min Balance $15 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Quincy Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Advantage Share Savings	0.10%	0.10%
Min Deposit $100 Min Balance $100 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Quincy Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 0.25% → 1.50% ▲ 1.25 pts · high 1.50% / low 0.25% Oct 10, 20261.50%▲ from 0.25% Oct 1, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Money Market	1.24%	1.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 0.25% → 1.25% ▲ 1.00 pts · high 1.25% / low 0.25% Oct 10, 20261.25%▲ from 0.25% Oct 1, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Money Market	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 0.25% → 1.00% ▲ 0.75 pts · high 1.00% / low 0.25% Oct 10, 20261.00%▲ from 0.25% Oct 1, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Money Market	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 0.25% → 0.50% ▲ 0.25 pts · high 0.50% / low 0.25% Oct 10, 20260.50%▲ from 0.25% Oct 1, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Quincy Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Rate Mortgage	6.375%	2 Points	6.74%	15 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.55% → 6.74% ▲ 0.19 pts · high 6.74% / low 6.55% Oct 10, 20266.74%▲ from 6.55% Sep 14, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Mortgage - 30 Year Fixed	6.50%	2 points	6.74%	30 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 6.89% → 6.74% ▼ 0.15 pts · high 6.89% / low 6.74% Oct 10, 20266.74%▼ from 6.89% Oct 1, 20266.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Mortgage - 15 Year Fixed	6.375%	2 points	6.76%	15 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 6.85% → 6.76% ▼ 0.09 pts · high 6.85% / low 6.76% Oct 10, 20266.76%▼ from 6.85% Oct 1, 20266.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Mortgage - 20 Year Fixed	6.50%	2 points	6.81%	20 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 6.81% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
10 Year Fixed Rate Mortgage	6.75%	0 points	6.82%	10 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.44% → 6.82% ▲ 0.38 pts · high 6.82% / low 6.44% Oct 10, 20266.82%▲ from 6.44% Sep 14, 20266.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
15 Year Fixed Rate Mortgage	6.625%	1 Point	6.84%	15 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.55% → 6.84% ▲ 0.29 pts · high 6.84% / low 6.55% Oct 10, 20266.84%▲ from 6.55% Sep 14, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Mortgage - 10 Year Fixed	6.75%	0 points	6.84%	10 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 6.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Mortgage - 15 Year Fixed	6.625%	1 point	6.85%	15 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 6.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Mortgage - 30 Year Fixed	6.75%	1 point	6.89%	30 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 6.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
15 Year Fixed Rate Mortgage	6.875%	0 points	6.93%	15 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.55% → 6.93% ▲ 0.38 pts · high 6.93% / low 6.55% Oct 10, 20266.93%▲ from 6.55% Sep 14, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Mortgage - 20 Year Fixed	6.75%	1 point	6.93%	20 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 6.93% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
10/1 Year ARM	6.375%	-	6.94%	120 months
Details Fully Indexed Rate: 7.250% for 360 months Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Mortgage - 15 Year Fixed	6.875%	0 points	6.94%	15 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 6.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Jumbo Adjustable Rate Mortgage - 10/1 Year	6.375%	-	6.94%	120 months
Details Fully Indexed Rate: 7.250%; # of Monthly Payments: 360; Payment per $1,000: $6.67 Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 6.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Adjustable-Rate Mortgage (ARM)	-	-	7.00%	10/6 ARM
Details The interest rate is based on the 1-year U.S. Treasury Bill plus a margin of 2.75%. Rate adjustments are capped at 2.00% per adjustment period, with a lifetime maximum increase of 6.00%. These rates apply to a single-family primary residence and second homes and are available for either a home purchase or refinance. These rates assume a loan amount of up to $806,500 for conforming loans, or $806,501 and above for jumbo loans, with a loan-to-value ratio of 80% or less and a 60-day rate lock period. Actual rates may vary depending on the borrower's specific situation, and high-balance county loan limits may apply. All rates are subject to change without notice and require credit approval. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Jumbo Mortgage	-	-	7.00%	10 years
Details APR = Annual Percentage Rate. QCU is allowed to make mortgage loans on properties located in Massachusetts, Connecticut, Maine, New Hampshire, New York, Rhode Island, and Vermont. Maximum LTV is 95% on purchases and 80% on cash-out refinances. Maximum Conventional Loan Limits for Norfolk and Plymouth counties: 1 Unit $806,500, 2 Units $1,032,650, 3 Units $1,248,150 and 4 Units $1,551,250. Maximum Jumbo Loan Limits $1,500,000. Other rates and terms may apply; call for details. These rates assume a loan amount of up to $806,500 for conforming loans, or $806,501 and above for jumbo loans, with a loan-to-value ratio of 80% or less and a 60-day rate lock period. Actual rates may vary depending on the borrower's specific situation, and high-balance county loan limits may apply. All rates are subject to change without notice and require credit approval. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Mortgage - 30 Year Fixed	7.00%	0 points	7.04%	30 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 7.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Mortgage - 20 Year Fixed	7.00%	0 points	7.06%	20 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 7.06% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
10/1 Year ARM	6.375%	-	7.55%	120 months
Details Fully Indexed Rate: 7.250%; # of Monthly Payments: 360 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Adjustable Rate Mortgage 10/1 Year	6.375%	-	7.55%	120 months
Details Fully Indexed Rate: 7.250%; # of Monthly Payments: 360; Payment per $1,000: $6.67 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 7.56% → 7.55% ▼ 0.01 pts · high 7.56% / low 7.55% Oct 1, 20267.55%▼ from 7.56% Sep 22, 20267.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Quincy Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	6.50%	-	6.50%
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 27, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details Variable Annual Percentage Rate for HELOC based on The Wall Street Journal Prime Rate ( 7.00% effective as of 09/17/2026 ) minus 0.50% as published on the last business day of each month. Maximum APR 18.00% Minimum Floor Rate 3.50%. Maximum loan amount is $250,000. Homeowners insurance is required. Flood insurance may be required. Loan-to-value not to exceed 80%. Not available for homes currently for sale or to be sold within 6 months of closing. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Rate Home Equity Loans	7.375%	-	7.375%	1-5 years
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.13% → 7.38% ▲ 0.25 pts · high 7.38% / low 7.13% Sep 18, 20267.38%▲ from 7.13% Sep 14, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Rate Home Equity Loans	7.875%	-	7.875%	6-10 years
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.63% → 7.88% ▲ 0.25 pts · high 7.88% / low 7.63% Sep 18, 20267.88%▲ from 7.63% Sep 14, 20267.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Rate Home Equity Loans	8.125%	-	8.125%	11-15 years
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.88% → 8.13% ▲ 0.25 pts · high 8.13% / low 7.88% Sep 18, 20268.13%▲ from 7.88% Sep 14, 20267.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Fixed Rate Home Equity Loans	8.375%	-	8.375%	16-20 years
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 8.13% → 8.38% ▲ 0.25 pts · high 8.38% / low 8.13% Sep 18, 20268.38%▲ from 8.13% Sep 14, 20268.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Quincy Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans	-	-	4.49%	Up to 36 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99% Oct 10, 20264.49%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Pre-Owned Auto Loans	-	-	4.49%	Up to 36 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99% Oct 10, 20264.49%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
New Auto Loans	-	-	5.00%	37 - 48 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50% Oct 10, 20265.00%▲ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Pre-Owned Auto Loans	-	-	5.00%	37 - 48 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50% Oct 10, 20265.00%▲ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
New Auto Loans	-	-	5.25%	49 - 72 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75% Oct 10, 20265.25%▲ from 4.75% Sep 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Pre-Owned Auto Loans	-	-	5.25%	49 - 72 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75% Oct 10, 20265.25%▲ from 4.75% Sep 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
New Auto Loans	-	-	5.50%	73 - 84 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00% Oct 10, 20265.50%▲ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
New Auto Loan	-	-	7.00%	72 months
Details Rates shown include an automatic payment discount when payments are made from a QCU Checking Account. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Used Auto Loan	-	-	7.00%	60 months
Details Rates shown include an automatic payment discount when payments are made from a QCU Checking Account. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Quincy Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	7.00%	36 months
Details Rates shown include an automatic payment discount when payments are made from a QCU Checking Account. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Recreational Vehicles Loan	-	7.74%	Up to 120 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Quincy Credit Union Credit Card Rates

Product	Rate	APR
VISA Traditional Credit Card (Variable Rate)	-	8.99%
Details Term: Revolving line of credit Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74% Sep 18, 20268.99%▲ from 8.74% Sep 14, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
VISA Signature Credit Card (Variable Rate)	-	18.00%
Details Term: Revolving line of credit Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 17.75% → 18.00% ▲ 0.25 pts · high 18.00% / low 17.75% Sep 18, 202618.00%▲ from 17.75% Sep 14, 202617.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Quincy Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	12.65%	Up to 48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Personal Loans	13.65%	Up to 72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
VISA Signature Credit Card (Variable Rate)	18.00%	Revolving line of cr
Details Term: Revolving line of credit Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 17.75% → 18.00% ▲ 0.25 pts · high 18.00% / low 17.75% Sep 18, 202618.00%▲ from 17.75% Sep 14, 202617.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Quincy Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA Share Account	0.20%	-	0.20%
Min Deposit $250 Min Balance $15 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Real Estate Escrow	0.10%	-	0.10%
Min Deposit $0 Min Balance $15 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Special Share Accounts	0.10%	-	0.10%
Min Deposit $5 Min Balance $15 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Quincy 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

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
June 30, 2026	$729M	3.24%	5.0	A+
March 31, 2026	$733M	2.01%	5.0	A+
December 31, 2025	$731M	2.89%	5.0	A+
September 30, 2025	$714M	4.28%	5.0	A+
June 30, 2025	$709M	1.98%	5.0	A+
March 31, 2025	$717M	1.12%	5.0	A+
December 31, 2024	$693M	1.82%	5.0	A+
September 30, 2024	$702M	1.70%	5.0	A+
June 30, 2024	$701M	1.07%	5.0	A+
March 31, 2024	$712M	1.19%	5.0	A+
December 31, 2023	$712M	1.88%	5.0	A+
September 30, 2023	$710M	1.14%	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 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

Financials

MonitorBankRates 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

Q2 2026 MBR Health & Safety Badge

Quincy Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Quincy Credit Union

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.

Current Quincy Credit Union Rates

12-Month CD3.25%
24-Month CD3.00%
60-Month CD3.00%
Savings0.10%
MMA1.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Quincy Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Quincy Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Quincy Credit Union

How many branches does Quincy Credit Union operate?

Is a member application needed to join Quincy Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Quincy Credit Union offer online and mobile banking?

Current Quincy Credit Union Rates

Compare to Other Credit Unions