What are the current interest rates at Millbury Federal Credit Union?

Current rates for Millbury Federal Credit Union include: 12-Month CD: 1.50%, 18-Month CD: 4.00%, 24-Month CD: 3.75%, 60-Month CD: 3.75%, Savings: 2.75%, MMA: 0.10%

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Millbury Federal Credit Union

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Millbury Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Millbury Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Millbury Federal Credit Union's top rates as of October 13, 2026 are 4.00% APY on its CDs - 18 Month CD, 2.75% APY on savings, 0.10% APY on money market accounts, 2.75% APY on checking, and personal loans from 11.15% APR, according to rates verified by MonitorBankRates. Other Millbury Federal Credit Union CD rates include I.R.A. CDs - 18 Month at 4.00%, CDs - 24 Month at 3.75%, and CDs - 30 Month at 3.75%. MonitorBankRates evaluates the financial stability of Millbury Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.17%. Rates last updated and verified on 10/13/2026.

Millbury Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Millbury Federal Credit Union? Share your experience about Millbury Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Millbury Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.17%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Millbury Federal Credit Union
Millbury

50 Main St
Millbury, MA 01527

https://www.millburycu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Millbury Federal Credit Union CD Rates

Product	Rate	APY	Term
Certificates - 18 Month	3.93%	4.00%	18 Month
Min Deposit $500 Details Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
I.R.A. Certificates - 18 Month	3.93%	4.00%	18 Month
Min Deposit $200 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Certificates - 24 Month	3.69%	3.75%	24 Month
Min Deposit $500 Details Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Certificates - 30 Month	3.69%	3.75%	30 Month
Min Deposit $500 Details Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Certificates - 36 Month	3.69%	3.75%	36 Month
Min Deposit $500 Details Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Certificates - 48 Month	3.69%	3.75%	48 Month
Min Deposit $500 Details Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Certificates - 60 Month	3.69%	3.75%	60 Month
Min Deposit $500 Details Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
I.R.A. Certificates - 24 Month	3.69%	3.75%	24 Month
Min Deposit $200 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
I.R.A. Certificates - 30 Month	3.69%	3.75%	30 Month
Min Deposit $200 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
I.R.A. Certificates - 36 Month	3.69%	3.75%	36 Month
Min Deposit $200 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
I.R.A. Certificates - 48 Month	3.69%	3.75%	48 Month
Min Deposit $200 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
I.R.A. Certificates - 60 Month	3.69%	3.75%	60 Month
Min Deposit $200 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Certificates - 7 Month	3.20%	3.25%	7 Month
Min Deposit $500 Details Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
I.R.A. Certificates - 7 Month	3.20%	3.25%	7 Month
Min Deposit $200 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Certificates - 12 Month	1.49%	1.50%	12 Month
Min Deposit $500 Details Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
I.R.A. Certificates - 12 Month	1.49%	1.50%	12 Month
Min Deposit $200 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Certificates - 6 Month	0.85%	0.85%	6 Month
Min Deposit $500 Details Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Certificates - 6 Month Bank At Work	0.25%	0.25%	6 Month
Min Deposit $500 Details Bank At Work; Minimum deposit $500.00 to open Share Certificate Account; Penalty for early withdrawal; Fees could reduce earnings Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Millbury Federal Credit Union Savings Rates

Product	Rate	APY
Retirement Savings	0.50%	0.50%
Min Deposit $25 Details IRA Retirement Savings; footnote ^: $25.00 minimum deposit to open Retirement Savings Account; Penalty for early withdrawal; Fees could reduce the earnings on this account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Christmas Club	0.05%	0.05%
Min Deposit $5 Min Balance $25 Details Share Accounts; Minimum balance for membership $5.00; Minimum balance to earn stated APY $25.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Statement Savings	0.05%	0.05%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Student Savings	0.05%	0.05%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Vacation Club	0.05%	0.05%
Min Deposit $5 Min Balance $25 Details Share Accounts; Minimum balance for membership $5.00; Minimum balance to earn stated APY $25.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Millbury Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Money Market Savings Special	2.72%	2.75%
Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Business Money Market Savings Special	1.98%	2.00%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Business Money Market Savings Special	1.00%	1.00%
Min Balance $25 Details Balance: $25.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Business Money Market Savings Special	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Business Money Market Savings Special	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Millbury Federal Credit Union Money Market Rates

Product	Rate	APY
Personal Money Market Statement	0.10%	0.10%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Fees could reduce the earnings on this account; Minimum balance for membership $5.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Personal Money Market Statement	0.10%	0.10%
Min Balance $250,000 Details Balance: $250,000.00 and over; Fees could reduce the earnings on this account; Minimum balance for membership $5.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Personal Money Market Statement	0.05%	0.05%
Min Balance $25 Details Balance: $25.00 - $49,999.99; Fees could reduce the earnings on this account; Minimum balance for membership $5.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Personal Money Market Statement	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Fees could reduce the earnings on this account; Minimum balance for membership $5.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Millbury Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Savings Special	2.72%	2.75%
Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Business Money Market Savings Special	1.98%	2.00%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Business Money Market Savings Special	1.00%	1.00%
Min Balance $25 Details Balance: $25.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Business Money Market Savings Special	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Business Money Market Savings Special	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Business Money Market Statement	0.10%	0.10%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Business Money Market Statement	0.10%	0.10%
Min Balance $250,000 Details Balance: $250,000.00+ Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Business Money Market Statement	0.05%	0.05%
Min Balance $25 Details Balance: $25.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Business Money Market Statement	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Millbury Federal Credit Union Checking Rates

Product	Rate	APY
Youth Banking Companion Checking	-	2.75%
Min Deposit $5 Details Available to parents/guardians of students in MCU's School Banking program at listed schools; Rate is subject to change without notice; effective as of 1/7/2026 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Money Market Checking	0.10%	0.10%
Min Deposit $50,000 Details Balance: $50,000.00 - $99,999.99+ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Money Market Checking	0.05%	0.05%
Min Deposit $25 Details Balance: $25.00 - $9,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05% Sep 17, 20260.05%▼ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Money Market Checking	0.05%	0.05%
Min Deposit $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05% Sep 17, 20260.05%▼ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Money Market Checking	0.05%	0.05%
Min Deposit $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05% Sep 17, 20260.05%▼ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
N.O.W and Optimum Checking	0.05%	0.05%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Optimum Checking	-	0.05%
Min Deposit $5 Details Interest bearing 0.05% A.P.Y.; $15 monthly maintenance fee waived with $5,000.00 minimum balance; Rate is subject to change without notice; effective as of 5/16/25 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Millbury Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Car Loans - New And Used	-	-	5.77%	36 Month
Details As Low As; Car Model Years 2023 - 2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 5.77% → 5.77% ▼ 0.00 pts · high 5.87% / low 5.77% Oct 9, 20265.77%▼ from 5.87% Oct 5, 20265.87%▲ from 5.77% Sep 21, 20265.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	5.77%	48 Month
Details As Low As; Car Model Years 2023 - 2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 5.77% → 5.77% ▼ 0.00 pts · high 5.87% / low 5.77% Oct 9, 20265.77%▼ from 5.87% Oct 5, 20265.87%▲ from 5.77% Sep 21, 20265.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	5.77%	60 Month
Details As Low As; Car Model Years 2023 - 2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 5.77% → 5.77% ▼ 0.00 pts · high 5.87% / low 5.77% Oct 9, 20265.77%▼ from 5.87% Oct 5, 20265.87%▲ from 5.77% Sep 21, 20265.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	5.87%	36 Month
Details As Low As; Car Model Years 2022; Rates determined by personal credit history Last Updated 10/13/2026 Rate History 3 changes since Sep 21, 2026 · 5.77% → 5.87% ▲ 0.10 pts · high 5.87% / low 5.77% Oct 13, 20265.87%▲ from 5.77% Oct 9, 20265.77%▼ from 5.87% Oct 5, 20265.87%▲ from 5.77% Sep 21, 20265.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	5.87%	48 Month
Details As Low As; Car Model Years 2022; Rates determined by personal credit history Last Updated 10/13/2026 Rate History 3 changes since Sep 21, 2026 · 5.77% → 5.87% ▲ 0.10 pts · high 5.87% / low 5.77% Oct 13, 20265.87%▲ from 5.77% Oct 9, 20265.77%▼ from 5.87% Oct 5, 20265.87%▲ from 5.77% Sep 21, 20265.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	5.87%	60 Month
Details As Low As; Car Model Years 2022; Rates determined by personal credit history Last Updated 10/13/2026 Rate History 3 changes since Sep 21, 2026 · 5.77% → 5.87% ▲ 0.10 pts · high 5.87% / low 5.77% Oct 13, 20265.87%▲ from 5.77% Oct 9, 20265.77%▼ from 5.87% Oct 5, 20265.87%▲ from 5.77% Sep 21, 20265.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	6.24%	72 Month
Details As Low As; Car Model Years 2023 - 2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 6.24% → 6.24% ▼ 0.00 pts · high 6.37% / low 6.24% Oct 9, 20266.24%▼ from 6.37% Oct 5, 20266.37%▲ from 6.24% Sep 21, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	6.32%	36 Month
Details As Low As; Car Model Year 2021 Last Updated 10/13/2026 Rate History 3 changes since Sep 21, 2026 · 5.77% → 6.32% ▲ 0.55 pts · high 6.32% / low 5.77% Oct 13, 20266.32%▲ from 5.77% Oct 9, 20265.77%▼ from 5.87% Oct 5, 20265.87%▲ from 5.77% Sep 21, 20265.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	6.32%	48 Month
Details As Low As; Car Model Year 2021 Last Updated 10/13/2026 Rate History 3 changes since Sep 21, 2026 · 5.77% → 6.32% ▲ 0.55 pts · high 6.32% / low 5.77% Oct 13, 20266.32%▲ from 5.77% Oct 9, 20265.77%▼ from 5.87% Oct 5, 20265.87%▲ from 5.77% Sep 21, 20265.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	6.32%	60 Month
Details As Low As; Car Model Year 2021 Last Updated 10/13/2026 Rate History 3 changes since Sep 21, 2026 · 5.77% → 6.32% ▲ 0.55 pts · high 6.32% / low 5.77% Oct 13, 20266.32%▲ from 5.77% Oct 9, 20265.77%▼ from 5.87% Oct 5, 20265.87%▲ from 5.77% Sep 21, 20265.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	6.37%	72 Month
Details As Low As; Car Model Years 2022; Rates determined by personal credit history Last Updated 10/13/2026 Rate History 3 changes since Sep 21, 2026 · 6.24% → 6.37% ▲ 0.13 pts · high 6.37% / low 6.24% Oct 13, 20266.37%▲ from 6.24% Oct 9, 20266.24%▼ from 6.37% Oct 5, 20266.37%▲ from 6.24% Sep 21, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	6.62%	36 Month
Details As Low As; Car Model Year 2019 Last Updated 10/13/2026 Rate History 3 changes since Sep 21, 2026 · 5.77% → 6.62% ▲ 0.85 pts · high 6.62% / low 5.77% Oct 13, 20266.62%▲ from 5.77% Oct 9, 20265.77%▼ from 5.87% Oct 5, 20265.87%▲ from 5.77% Sep 21, 20265.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	6.62%	48 Month
Details As Low As; Car Model Year 2019 Last Updated 10/13/2026 Rate History 3 changes since Sep 21, 2026 · 5.77% → 6.62% ▲ 0.85 pts · high 6.62% / low 5.77% Oct 13, 20266.62%▲ from 5.77% Oct 9, 20265.77%▼ from 5.87% Oct 5, 20265.87%▲ from 5.77% Sep 21, 20265.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	6.82%	72 Month
Details As Low As; Car Model Year 2021 Last Updated 10/13/2026 Rate History 3 changes since Sep 21, 2026 · 6.24% → 6.82% ▲ 0.58 pts · high 6.82% / low 6.24% Oct 13, 20266.82%▲ from 6.24% Oct 9, 20266.24%▼ from 6.37% Oct 5, 20266.37%▲ from 6.24% Sep 21, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	7.12%	84 Month
Details As Low As; Car Model Years 2023 - 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 7.12% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	7.82%	36 Month
Details As Low As; Car Model Year: 2018 Last Updated 10/13/2026 Rate History 3 changes since Sep 21, 2026 · 5.77% → 7.82% ▲ 2.05 pts · high 7.82% / low 5.77% Oct 13, 20267.82%▲ from 5.77% Oct 9, 20265.77%▼ from 5.87% Oct 5, 20265.87%▲ from 5.77% Sep 21, 20265.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	7.82%	48 Month
Details As Low As; Car Model Year: 2018 Last Updated 10/13/2026 Rate History 3 changes since Sep 21, 2026 · 5.77% → 7.82% ▲ 2.05 pts · high 7.82% / low 5.77% Oct 13, 20267.82%▲ from 5.77% Oct 9, 20265.77%▼ from 5.87% Oct 5, 20265.87%▲ from 5.77% Sep 21, 20265.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Car Loans - New And Used	-	-	7.87%	36 Month
Details As Low As; Car Model Year 2017 Last Updated 10/13/2026 Rate History 3 changes since Sep 21, 2026 · 5.77% → 7.87% ▲ 2.10 pts · high 7.87% / low 5.77% Oct 13, 20267.87%▲ from 5.77% Oct 9, 20265.77%▼ from 5.87% Oct 5, 20265.87%▲ from 5.77% Sep 21, 20265.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Millbury Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans Model year 2023-2027 - 36 Month Term	-	8.28%	36 Month
Details As Low As; Model year 2023-2027; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Motorcycle Loans Model year 2023-2027 - 48 Month Term	-	8.28%	48 Month
Details As Low As; Model year 2023-2027; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Motorcycle Loans Model year 2023-2027 - 60 Month Term	-	8.28%	60 Month
Details As Low As; Model year 2023-2027; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Motorcycle Loans Used - Model years 2020 - 2022	-	10.28%	36 Month
Details As Low As; Model years 2020 - 2022; APR - Annual Percentage Rate; rates determined by personal credit history Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 10.28% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Motorcycle Loans Used - Model years 2020 - 2022	-	10.28%	48 Month
Details As Low As; Model years 2020 - 2022; APR - Annual Percentage Rate; rates determined by personal credit history Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 10.28% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - New RV and Boat	-	10.28%	36 months
Details As Low As; Model Year 2023 - 2027; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - New RV and Boat	-	10.28%	48 months
Details As Low As; Model Year 2023 - 2027; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - New RV and Boat	-	10.28%	60 months
Details As Low As; Model Year 2023 - 2027; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - New RV and Boat	-	10.78%	72 months
Details As Low As; Model Year 2023 - 2027; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.78% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - New RV and Boat	-	10.78%	84 months
Details As Low As; Model Year 2023 - 2027; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.78% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - Used RV and boat 2020 - 2022 model years	-	12.28%	36 Month
Details As Low As; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 12.28% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - Used RV and boat 2020 - 2022 model years	-	12.28%	48 Month
Details As Low As; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 12.28% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - Used RV and boat 2020 - 2022 model years	-	12.28%	60 Month
Details As Low As; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 12.28% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - Used RV and boat 2020 - 2022 model years	-	12.78%	72 Month
Details As Low As; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 12.78% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - Used RV and boat 2020 - 2022 model years	-	12.78%	84 Month
Details As Low As; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 12.78% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Millbury Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Loan	11.15%	Up to 60 Month
Details As Low As; Rate includes 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account; Maximum loan amount $10,000.00 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 11.15% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Millbury Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	10.15%	36 Month
Details As low as; APR as low as 10.15%; $32.34 Monthly Payment per $1,000 is excluded; Maximum loan amount - $10,000.00; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 10.15% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Home Improvement Loan	-	-	10.65%	48 Month
Details As low as; Maximum loan amount - $10,000.00; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 10.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Home Improvement Loan	-	-	10.65%	60 Month
Details As low as; Maximum loan amount - $10,000.00; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 10.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Wealth Invest!	0.75%	-	0.75%
Min Balance $1 Details Balance: $1 - $250,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Wealth Invest!	0.20%	-	0.20%
Min Balance $250,000 Details Balance: >$250,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Wealth Manager	0.20%	-	0.20%
Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Millbury Federal Credit Union’s Texas Ratio fell from 2.74% in Q3 2023 to 2.17% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$468M	2.17%	5.0	A+
March 31, 2026	$478M	2.13%	5.0	A+
December 31, 2025	$475M	2.88%	5.0	A+
September 30, 2025	$473M	3.36%	5.0	A+
June 30, 2025	$487M	2.86%	5.0	A+
March 31, 2025	$485M	2.11%	5.0	A+
December 31, 2024	$489M	3.75%	5.0	A+
September 30, 2024	$489M	2.53%	5.0	A+
June 30, 2024	$488M	2.38%	5.0	A+
March 31, 2024	$488M	1.13%	5.0	A+
December 31, 2023	$477M	2.86%	5.0	A+
September 30, 2023	$473M	2.74%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Millbury Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Millbury Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Millbury Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Millbury Federal Credit Union

Website https://www.millburycu.com

Address 50 Main St, Millbury, MA 01527

Phone 508-865-7600

Fax 508-865-8701

President E. Bernard Plante

CEO Joseph Barbato

Full-Time Employees 85

Part-Time Employees 11

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.17%

Return on Assets (ROA)

0.1475%

Return on Equity (ROE)

1.5169%

Non-Performing Loans Ratio (NPL)

0.29%

Total Assets

468,158,101

Total Amount of Shares and Deposits

419,384,554

Total Shares and Deposits < 1 Year

397,906,601

Total Shares and Deposits 1 3 Years

19,430,627

Total Shares and Deposits > 3 Years

2,047,326

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

50,254,688

Total Uninsured Shares and Deposits > $250K (F+J)

50,254,688

Total Insured Shares and Deposits > $250K (item 17 less item K)

369,129,866

Total Interest Expense (Sum of items 6 8)

3,013,838

Share Certificates

2,100

Number of Accounts for Share Drafts

12,473

IRA KEOGH Accounts

1,082

Number of Accounts for Regular Shares

17,101

All other shares

731

Money Market Shares

719

Net Income (unless the amount is already included in Undivided Earnings)

690,730

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

21,987,349

Total Liabilities

427,143,773

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Millbury Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Millbury Federal Credit Union

How many branches does Millbury Federal Credit Union operate?

Millbury Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Millbury Federal Credit Union?

Yes, to access services at Millbury Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Millbury Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Millbury Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Millbury Federal Credit Union offer online and mobile banking?

Most modern institutions like Millbury Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.millburycu.com.