Consumer Loan Rates1
(Effective: Sun. September 27, 2020)
Type Term As low As
APR2
Monthly Payments
per $1000 borrowed
Member Assistance Loan
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(Max loan amount $2,500, min $500; min. credit score of 620,
first payment not due for up to 60 days after closing)
1 year 6.00% $86.07
Worcester CU Platinum MasterCard
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N/A 8.75%3 N/A
Personal LIFEstyle Loans
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(Rates shown are “as low as” based on credit score of 751 or higher.)
1-6 years 8.75% 1 year—$87.34
Secured by Savings
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(CD Secured Loans – 3% above interest rate paid on certificate of deposit.)
1-6 years 3.10% 1 year—$84.74
Personal LOC
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N/A 14.00% N/A
New* Vehicle Loans
*Vehicles 2018 or newer (NEVER TITLED) with minimum $20k
finance amount can finance for up to 84 months
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(Rates shown are “as low as” based on credit score of 751 or higher.)
3 years 2.49% $28.84
4 years 2.99% $22.11
5 years 3.49% $18.17
6 years 3.99% $15.62
7 years 4.85% $14.03
Used Vehicle Loans
For 2017-newer with less than 25K miles
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(Rates shown are “as low as” based on credit score of 751 or higher.)
3 years 2.74% $28.95
4 years 3.04% $22.13
5 years 3.25% $18.06
6 years 4.24% $15.73
Used Vehicle Loans
For 2012-2016 and/or 2017 and newer with more than 25K miles
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(Rates shown are “as low as” based on credit score of 751 or higher.)
3 years 2.74% $28.95
4 years 3.24% $22.22
5 years 3.74% $18.28
6 years 4.74% $15.95
New & Used Motorcycle Loans
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(Rates shown are “as low as” based on credit score of of 751 or higher.)
3 years 3.75% $29.41
4 years 3.75% $22.47
5 years 3.75% $18.30
New & Used Boats & Recreational Vehicle Loans
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(Rates shown are “as low as” based on credit score of 751 or higher.)
5 years 6.00% $19.33
6 years 6.00% $16.57
7 years 6.00% $14.61
10-15 years 7.25% 1 year—$86.64
New (only) Small Recreational Vehicle Loans
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(Rates shown are “as low as” based on credit score of 751 or higher.)
1-5 years 6.75% 1 year—$86.41


(1) All Consumer Loan Rates, terms and conditions are subject to change without notice. Rates shown are “as low as” based on credit score. Rates and approval depend on credit worthiness and other qualifications.

(2) APR = Annual Percentage Rate – for Loan Accounts

(3) There 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 8.75% 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 Prime Rate, and can change monthly. Other restrictions may apply.