Rates

Minimum $1 to open an account.

Minimum $5 to open an account.

Minimum $500 required. Early withdrawal penalty.

New Money Only is defined as deposits and investments not previously held by Worcester Credit Union. Minimum deposit is just $500, there is a penalty for early withdrawal. Stated minimum opening deposits are the minimum balances required to receive stated APY’s. Simple interest CDs that are 12 months or less will pay interest at maturity and CDs that are greater than 12 months the interest will be paid annually. Membership requirements apply and rate is subject to change without notice.

*CD Specials require ‘new money’ and are limited to one special account/term per owner by TIN.

Minimum $1 to open an account. Minimum $2,000 to avoid a fee.

*Minimum balance of $5,000 required.

Minimum $500 required. Early withdrawal penalty.

Simple interest CDs that are 12 months or less will pay interest at maturity and CDs that are greater than 12 months the interest will be paid annually. Membership requirements apply and rate is subject to change without notice. 

At a 4.375% interest rate, the APR for this loan type is 4.821%. The monthly payment schedule would be:

• 179 payments of $1,517.24 at an interest rate of 4.375%
• 1 payment of $1,511.73 at an interest rate of 4.375%
• This payment schedule is based on a $200,000 loan on a $250,000 property in Worcester county, MA. 

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

¹Max loan amount $2,500, min $500; min. credit score of 620,
first payment not due for up to 60 days after closing

²Rates shown are “as low as” based on credit score of 751 or higher.

³CD Secured Loans – 3% above interest rate paid on certificate of deposit.

⁴There is a Six-month 0% APR balance transfer offer for new cardholders only. After six months, 0% APR balance transfer rate converts to, as low as 10.00% variable APR. Current WCU MasterCards not eligible for 0% balance transfer rate. All loans are subject to credit approval. The fee associated with foreign transaction converted to US currency is 2%, the fee associated with transactions in US dollars completed outside the US is 0.80% WCU reserves the right to discontinue this promotion at any time without notice.  Rates are variable, tied to WSJ Prime Rate, and can change monthly. Other restrictions may apply.

Rates shown are “as low as” based on credit score of 751 or higher. All loans subject to membership & credit approval. Other rates, terms, and conditions may apply. Loan rates are subject to change at any time without notice. Normal underwriting guidelines apply.  Rate will vary by the term of loan, model year of collateral, & credit score. Rate is determined by your personal credit history.  Consumer type vehicles only at these rates. Commercial type vehicles will have increased rates.  

Rates quoted are for new Worcester CU loans only.  Worcester CU loans being refinanced please add .50% to applicable rate. 

Rates shown are “as low as” based on credit score of 751 or higher. All loans subject to membership & credit approval. Other rates, terms, and conditions may apply. Loan rates are subject to change at any time without notice. Normal underwriting guidelines apply.  Rate will vary by the term of loan, model year of collateral, & credit score. Rate is determined by your personal credit history.  Consumer type vehicles only at these rates. Commercial type vehicles will have increased rates.  

Rates quoted are for new Worcester CU loans only.  Worcester CU loans being refinanced please add .50% to applicable rate. 

Rates shown are “as low as” based on credit score of of 751 or higher.

Rates shown are “as low as” based on credit score of 751 or higher. All loans subject to membership & credit approval. Other rates, terms, and conditions may apply. Loan rates are subject to change at any time without notice. Normal underwriting guidelines apply.  Rate will vary by the term of loan, model year of collateral, & credit score. Rate is determined by your personal credit history.   

Rates quoted are for new Worcester CU loans only.  Worcester CU loans being refinanced please add .50% to applicable rate. 

100% LTV for credit score of 720 or higher.

Rates shown are “as low as” based on credit score of 751 or higher. All loans subject to membership & credit approval. Other rates, terms, and conditions may apply. Loan rates are subject to change at any time without notice. Normal underwriting guidelines apply.  Rate will vary by the term of loan, model year of collateral, & credit score. Rate is determined by your personal credit history.  Consumer type vehicles only at these rates. Commercial type vehicles will have increased rates.  

Rates quoted are for new Worcester CU loans only.  Worcester CU loans being refinanced please add .50% to applicable rate. 

100% LTV for credit score of 720 or higher.

Maximum age at time of financing for small recreational vehicle is 5 years. 

Rates shown are “as low as” based on credit score of 751 or higher. All loans subject to membership & credit approval. Other rates, terms, and conditions may apply. Loan rates are subject to change at any time without notice. Normal underwriting guidelines apply.  Rate will vary by the term of loan, model year of collateral, & credit score. Rate is determined by your personal credit history.  Consumer type vehicles only at these rates. Commercial type vehicles will have increased rates.  

Rates quoted are for new Worcester CU loans only.  Worcester CU loans being refinanced please add .50% to applicable rate. 

* Equity Lines of Credit are variable rates subject to increase after consummation, adjusting monthly to the Wall Street Journal (WSJ) Prime Rate minus .50% with a maximum APR rate of 18.00% with a floor of 4.00%.   Draw period is ten years with an additional ten years to repay. An early termination fee of no more than $500 may be imposed to cover fees paid to third parties if the equity line is discharged within 24 months of the note date. Rate is subject to change after consummation. Offer only applies to owner-occupied primary residences. Equity is determined by taking 80% of the property value and deducting the balance of any mortgages. If appraisal is required, the charge will range from $400 to $850. The minimum loan amount is $10,000. Property insurance is required. Worcester CU members must maintain a $5 membership share account relationship. All requests are subject to credit approval.