Woburn Municipal FCU

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Loans For All Reasons

Woburn Municipal has excellent loan programs for its members.

We have a variety of loan options to help you consolidate debt, buy a home, purchase a new or used vehicle, pay for a college education, plus much more.

Vehicle Loans
Home Equity & Mortgage Loans
Personal/Signature Loan
Co-Signer (Or Collateral ) Loans
Share-Secured Loans
Loan Rates
Loan Application
Insurance Products
Loan Calculator

You'll appreciate our low rates, flexible terms, and hassle-free application process. We are dedicated to providing you with the excellent service you deserve.

Use our Online Loan Calculator to compute your interest payments over the term of your mortgage and even print out an amortization table customized just for you!



Vehicle Loans

Whatever your need in a car, Woburn Municipal Federal Credit Union has the loan you need. In the market for a new  or used car?  Whatever the dealer cost, you will save when you finance your new car with an automobile loan from us!

Come to us for the best interest rates and payment terms.

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HomeLoans & Mortgages

FHA Mortgages

Woburn Municipal FCU is proud to offer our members Federally Secure Mortgage Programs - FHA, VA, HARP 2.0, Rural Housing, and Reverse Mortgages. There are several options for members looking to purchase or refinance and receive cash out. 96.5% and 100% financing available.

FHA and FHA 203K rehabilitation Loans require only 3.5% down payment. Purchases or Refinances available for members with lower Fico scores and higher LTV's. Solid fixed rate loans.FHA and FHA 203K rehabilitation Loans require only 3.5% down payment. Purchases or Refinances available for members with lower Fico scores and higher LTV's. Solid fixed rate loans.


VA - Veteran Loans

All VA loans are 0% down - 30 Year Fixed Rates - 100% Financing - No PMI - Available on purchases and 90% LTV cash out.


H.A.R.P. 2.0 Mortgages

Home Affordable Refinance Program (HARP) started in April 2009. It goes by several names. The government calls it Making Home Affordable Plan, the Obama Refi Plan, the DU Refi+ and the Relief Refinance.

How do I know if I'm eligible for HARP 2.0?
If you answer "yes" to all of the following questions, you may be eligible!

  • Is your mortgage loan currently owned by either Fannie Mae or Freddie Mac?
  • Was your loan sold to Fannie Mae or Freddie Mac prior to June 1, 2009?
  • Is your current loan-to-value greater than 80%?
  • Is your mortgage up-to-date with all payments made on time in the past 6 months, and no more than one late payment in the past 12 months?
  • If you are HARP-eligible, you must close on your mortgage prior to January 1, 2014.


For more information on any of these government type loans or other mortgage products we may offer, please contact the credit union and speak to a Member Service Representative.

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Signature/Personal Loan

This loan is one of the most popular member loans because it can be used to solve a variety of money problems. 

Call the credit union for the current data. How much you may borrow is influenced by your credit rating. Contact us to see what funds are available to meet your needs.

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Co-Signer (Or Collateral) Loan

These loans are useful alternatives for needs other than home or auto purchases.

A co-signer (or co-maker) guarantees the loan when you cannot qualify on your own. Call us for information about this loan opportunity.

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Savings- Share Secured Loan

Your strong commitment to savings can provide you with the security you need for a loan. 

Borrow against the accumulated funds in your savings accounts, up to the balance you have accrued. Borrowing this way ensures you have the credit union's lowest rate.

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Insurance Products

For more information regarding insurance products we offer such as Disability and Life Insurance, please contact the credit union
at 781-933-2600.

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Federally Insured By NCUA