Rates

*Account qualifications (each qualification cycle) apply to earn stated Annual Percentage Yield (APY).Minimum $1 to open an account. Qualification requirements apply to earn stated APY. Interest rate & APY subject to change after account opening.

Qualification information: The following must post and settle to the account during the Monthly Qualification Cycle in in order to earn interest rewards: twelve (12) debit card purchases [each $3.00 or more], receive 1 or more ACH deposits during the statement cycle, and enroll and agree to receive e-statements rather than paper statements. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases less than $3.00, card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Compare our Personal Checking Accounts for more information.

Minimum $5 to open an account.

$500 minimum to open & earn APY. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Membership required. All rates are subject to change without notice.

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$500 minimum to open & earn APY. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Membership required. All rates are subject to change without notice.

**Save For Success 24-Month Hybrid Share Certificate requires $25 to open, allows for transfers in of up to $1,000 per month. Maximum opening deposit for this account is $1,000. Worcester Credit Union checking account required for transfers in. Automatic transfers set up at account opening & can be adjusted during the Term.

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

*Minimum $1 to open an account. As a condition for ongoing VIP Money Market Account eligibility, you must have a Worcester Credit Union checking account of any type and receive at least one direct deposit of $500 or greater into that account each month. If this requirement is not met for two consecutive dividend periods, your account will convert to a regular Money Market Account.

*Minimum balance of $5,000 required.

Minimum $500 required. Early withdrawal penalty.

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

Please contact a Mortgage Specialist at 888-445-0089 for personalized assistance.  NMLS#1557

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.

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

³ Savings Secured Loans  3% above interest rate paid on the share certificate.

⁴APR = Annual Percentage Rate. Six-month 0% APR balance transfer offer for new cardholders only. After six months, 0% APR balance transfer rate converts to, as low as WSJ Prime plus 5.25% or higher, as of 12/19/24, currently 12.75% variable APR. Current Worcester CU 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 scores 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 rates. 

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. 

*Home Equity Line of Credit must take a minimum draw of $10,000.00 upon account opening. Maximum loan amount is $726,200. Loans $250,000.01-$726,200 require an appraisal.  Loans under $250,000 may also require appraisal. Both are paid for by borrower and range from $0-$1000 per appraisal due prior to ordering the appraisal. Equity Lines of Credit are variable rates subject to increase after consumption, adjusting monthly to the Wall Street Journal (WSJ) Prime Rate minus 1.00% with a maximum APR rate of 18% with a floor of 5.50% APR. WSJ Prime Rate is 7.50% current as of 12/19/2024. Maximum Loan to Value 80%. Offer applies to 1-4 family, owner-occupied primary residences only. Not available for homes currently for sale or intended to be sold within 6 months of closing. Offer available for new money only. Other restrictions apply. All loans are subject to credit approval. Offer may be withdrawn at any time. NMLS#491585

An early termination fee of no more than $1,000 may be imposed to cover fees paid to third parties if the equity line is discharged within 36 months of the note date. 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 $0 to $1000. 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.

*Special Intro rates - If you have received an introductory rate special loan during the preceding 36-month period, you are not eligible to receive another introductory rate special loan and rate will default to the regular rate terms upon inception as set by the Prime Rate and Edge Home Equity line rate terms. 

*Home Equity Line of Credit must take a minimum draw of $10,000.00 upon account opening. Maximum loan amount is $726,200. Loans $250,000.01-$726,200 require appraisal. Loans under $250,000 may also require appraisal.  Both are paid for by borrower and range from $0-$1000 per appraisal due prior to ordering the appraisal. Maximum Loan to Value 80%. Offer applies to 1-4 family, owner-occupied primary residences only. Not available for homes currently for sale or intended to be sold within 6 months of closing. Other restrictions apply. All loans are subject to credit approval. Offer may be withdrawn at any time. NMLS#491585

An early termination fee of no more than $1,000 may be imposed to cover fees paid to third parties if the equity line is discharged within 36 months of the note date. 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 $0 to $1000. 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.