Somerville Municipal Credit Union
Verified rate book
Current Somerville Municipal Credit Union rates
10 published offers verified as of August 4, 2026.
Auto & vehicle rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| $80,000 Maximum ($30,000 Min For 72–84 Mos)auto_any_72mo | 5.990% APR | 5.990% | 72 mo | Standard |
| $60,000 Maximum ($30,000 Min For 72 Mos)auto_any_72mo | 6.990% APR | 6.990% | 72 mo | Standard |
| $40,000 Maximum ($30,000 Min For 72 Mos)auto_any_72mo | 7.990% APR | 7.990% | 72 mo | Standard |
| $80,000 Maximum ($30,000 Min For 72–84 Mos)auto_any_84mo | 7.990% APR | 7.990% | 84 mo | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Blended HELOC^heloc_variable | 5.990% APR | 5.990% | — | Standard |
Personal loan rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share-Secured Loanpersonal_secured | 2.050% APR | 2.050% | — | Standard |
| Holiday/Vacation to $3,000personal | 7.990% APR | 7.990% | — | Standard |
| Debt Consolidation Loan to $15,000personal | 9.990% APR | 9.990% | — | Standard |
| Signature to $15,000personal_unsecured | 10.990% APR | 10.990% | — | Standard |
| Overdraft Line of Creditpersonal | 14.990% APR | 14.990% | — | Standard |
Auto loans available from 5.99% APR for 72 months. HELOC rates from 5.99% APR. Personal loan rates from 2.05% APR.
Source: RateAPI.dev, verified from Somerville Municipal Credit Union's official website
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About Somerville Municipal Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 2.2K
- Assets
- $50.8M
- Founded
- 1941
- Locations reported
- 5
- NCUA charter
- 4524
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Somerville Municipal Credit Union
Membership eligibility from Somerville Municipal Credit Union's own published criteria. How we verify this.
Membership via employers (The City of Somerville +3 more) or the Somerville Garden Club
- EmployerThe City of Somerville, Somerville Housing Authority, Cambridge Elder Services, UNITE HERE NEJB
- AssociationSomerville Garden Club
Cost to join: About $25.
Verified from Somerville Municipal Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Somerville Municipal Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Somerville Municipal Credit Union ranks against Massachusetts peers.
Frequently Asked Questions
What rates does Somerville Municipal Credit Union offer?
Somerville Municipal Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Somerville Municipal Credit Union rates updated?
RateAPI verifies Somerville Municipal Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Somerville Municipal Credit Union's rate data?
Rate data is collected directly from Somerville Municipal Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Somerville Municipal Credit Union's auto loan rates?
As of August 4, 2026, Somerville Municipal Credit Union offers auto loans from 5.99% APR.
What is Somerville Municipal Credit Union's HELOC rate?
As of August 4, 2026, Somerville Municipal Credit Union offers home equity lines of credit from 5.99% APR.
What is Somerville Municipal Credit Union's personal loan rate?
As of August 4, 2026, Somerville Municipal Credit Union offers personal loans from 2.05% APR.
Related Rate Data
Compare Somerville Municipal Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Somerville Municipal Credit Union rates
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# Get rates for Somerville Municipal Credit Union
curl "https://api.rateapi.dev/credit-unions/massachusetts/somerville-municipal" \
-H "Authorization: Bearer YOUR_API_KEY"