Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Massachusetts
Daily average across every credit union lending in MA, past 90 days. Dashed line is the national FRED benchmark.
30 Year Fixed rates in Massachusetts
Credit unions lending in Massachusetts
Membership is open to anyone who lives, works, or attends school in Bristol County (MA), or Newport and Providence Counties (RI). Immediate family members and household residents of existing members are also eligible to join.
Membership is open to anyone who lives, works, worships, or attends school in Essex or Middlesex counties (MA) or Rockingham or Hillsborough counties (NH), or in any of the specific MA and NH cities and towns listed on NESC's eligibility page. Immediate family members of current members are also eligible.
Membership is open to individuals who live, work, or attend school in Worcester County, or in the Middlesex County communities of Acton, Ashby, Ashland, Ayer, Boxborough, Concord, Framingham, Groton, Holliston, Hopkinton, Hudson, Littleton, Marlborough, Maynard, Natick, Pepperell, Sherborn, Shirley, Stow, Sudbury, Townsend, Wayland, and Westford. Employees and retirees of any company primarily eng
Membership is open to individuals who live, work, worship, or attend school in Fall River, Somerset, Swansea, Westport, or Freetown, Massachusetts, as well as Tiverton and Little Compton, Rhode Island.
Membership is open to individuals who live, work, or have business in Worcester, Middlesex, Norfolk, Hampden, Franklin, or Hampshire Counties in Massachusetts. Eligibility also extends to members of religious or civic organizations in those counties and family members of current credit union members.
Membership is open to anyone who lives, works, worships, or attends school in Hampden County, Massachusetts. Immediate family members of current credit union members are also eligible to join.
Membership is open to anyone who lives, works, or attends school in Worcester or Middlesex County, Massachusetts. Family members of eligible individuals are also invited to join.
Service Credit Union offers nationwide membership to anyone in the U.S. who joins the American Consumer Council or the Financial Fitness Association for free. It also primarily serves active duty military, veterans, Department of Defense employees, and their families.
Transportation Federal Credit Union is open to employees of the Department of Transportation and various transportation-related agencies. Anyone else in the U.S. can become eligible by joining the American Consumer Council (ACC).
Affinity Federal Credit Union is open to anyone nationwide who makes a one-time $5 donation to the Affinity Foundation or joins a qualifying association. Employees of over 2,000 partner businesses and family members of current members are also eligible to join.
See which of these credit unions you can join
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Common questions
Daily. We re-scrape the publicly posted rate pages from every credit union that lends in Massachusetts every morning.
Yes — credit unions require membership before closing. Most let you open a share account and apply for a mortgage on the same day.
We display both when the credit union publishes them. See our APR vs. interest rate vs. points guide.
Most large banks don't publish mortgage rates online — they quote per applicant. Credit unions almost always post theirs publicly, which is why they dominate our comparison.
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