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Overview / Commentary
150 West Street
Pittsfield, MA 01201

Greylock Federal Credit Union is headquartered in Pittsfield and is the 7th largest credit union in the state of Massachusetts. It is also the 251st largest credit union in the nation. It was established in 1935 and as of December of 2017, it had grown to 261 employees and 82,391 members at 13 locations. Greylock Federal Credit Union's money market rates are 36% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Greylock Federal Credit Union is open to those who live, work, worship, attend school, or participate in associations headquartered in Berkshire County, Massachusetts and to those participating in programs to alleviate poverty or distress which are located in Berkshire County, Massachusetts. Membership is also open to immediate family of existing members.
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Reviews (1)

Simple, Fee-Less, Good Abroad!

Posted by: Yosh | Apr 15, 2016

This credit union has accommodated all of my needs, from online banking to digital check transfer to free checking to no currency exchange fees while I study abroad. My only complaint is that they sometimes take a wire transfer fee if I wire a large sum of money to my account through my employer. Otherwise, I have experienced no fees, and while their savings dividends ratio is low as it is everywhere else, I am never charged fees and can rely on their online banking system while I am away from the country. Even better, their debit cards have been accepted everywhere in the US and out, and they have recently integrated chips into their cards for extra security! While it's hard to find branches anywhere outside of Western MA, they are very well run.


Health Grade Components

NCUA #24560
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD5.79%
Annual Interest Income$35.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$1.16B$1.10B
LoansQ4 2017vs Q4 2016$959.1MM$894.3MM
DepositsQ4 2017vs Q4 2016$1.01B$978.7MM
Equity CapitalQ4 2017vs Q4 2016$115.9MM$106.9MM
Secondary CapitalQ4 2017vs Q4 2016$1,000.00K
Loan Loss AllowanceQ4 2017vs Q4 2016$10.1MM$11.3MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$10.4MM$5.9MM
Real Estate OwnedQ4 2017vs Q4 2016$468.00K$493.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Greylock Federal Credit Union Savings Account Rates

0.30%*$200k*-IRA Advantage Share
OTHER TIERS: 0.05% $15 - $2,500 | 0.10% $2,500 - $50k | 0.15% $50k - $100k | 0.25% $100k - $200k
0.25%*$100k*-Share Preferred Account
OTHER TIERS: 0.05% $15 - $2,500 | 0.10% $2,500 - $100k
0.25%*$100k*-Business Share Preferred Account
OTHER TIERS: 0.05% $15 - $2,500 | 0.10% $2,500 - $100k
0.15%$15-Holiday Club Account
0.05%$15-Kids Share Account
0.05%$15-IRA Variable
0.05%$15-Business Share Account
0.05%$15-Primary Share

Greylock Federal Credit Union Money Market Rates

0.60%*$200k*-Online Advantage Money Market Account
OTHER TIERS: 0.10% $15 - $2,500 | 0.15% $2,500 - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k | 0.55% $100k - $200k
0.55%*$200k*-Advantage Money Market Account
OTHER TIERS: 0.05% $15 - $2,500 | 0.10% $2,500 - $25k | 0.15% $25k - $50k | 0.25% $50k - $100k | 0.50% $100k - $200k
0.40%*$100k*-Business Online Advantage Money Market Account
OTHER TIERS: 0.10% $15 - $2,500 | 0.15% $2,500 - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k
0.35%*$100k*-Business Advantage Money Market Account
OTHER TIERS: 0.05% $15 - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k

Greylock Federal Credit Union Checking Account Rates

1.14%--IOLTA Checking
0.30%*$100k*-High Yield Business Checking
OTHER TIERS: 0.10% Up to $50k | 0.20% $50k - $100k
0.15%*$100k*-Relationship Dividend Bearing Checking
OTHER TIERS: 0.05% $2,500 - $50k | 0.10% $50k - $100k
0.05%$15-Basic Business Checking

Greylock Federal Credit Union CD Rates

2.10%$500-37 Month Loyalty CD Special
1.77%$500-14 Month Loyalty CD Special
1.10%$500-60 Month CD
1.10%$1k-5 Year Business CD
1.00%$500-48 Month CD
1.00%$1k-4 Year Business CD
0.90%$500-36 Month CD
0.90%$1k-3 Year Business CD
0.90%$100k-3 Year Jumbo Business CD
0.90%$100k-36 Month Jumbo CD
0.55%$500-24 Month CD
0.55%$1k-2 Year Business CD
0.55%$100k-2 Year Jumbo Business CD
0.55%$100k-24 Month Jumbo CD
0.45%$500-18 Month CD
0.45%$1k-18 Month Business CD
0.45%$100k-18 Month Jumbo Business CD
0.45%$100-1 Year College Savings Term Share Certificate
0.45%$100-1 Year Youth Club Term Share Certificate
0.45%$100k-18 Month Jumbo CD
0.35%$500-12 Month CD
0.35%$1k-1 Year Business CD
0.35%$100k-1 Year Jumbo Business CD
0.35%$100k-12 Month Jumbo CD
0.25%$500-6 Month CD
0.25%$500-9 Month CD
0.25%$1k-6 Month Business CD
0.25%$1k-9 Month Business CD
0.25%$100k-6 Month Jumbo Business CD
0.25%$100k-9 Month Jumbo Business CD
0.25%$100k-6 Month Jumbo CD
0.25%$100k-9 Month Jumbo CD

Greylock Federal Credit Union IRA Rates

2.10%$500-37 Month Loyalty IRA Special
1.77%$500-14 Month Loyalty IRA Special
1.10%$500-60 Month IRA
1.00%$500-48 Month IRA
0.90%$500-36 Month IRA
0.90%$100k-36 Month Jumbo IRA
0.55%$100k-24 Month Jumbo IRA
0.55%$500-24 Month IRA
0.45%$500-18 Month IRA
0.45%$100k-18 Month Jumbo IRA
0.35%$500-12 Month IRA
0.35%$100k-12 Month Jumbo IRA
0.25%$500-6 Month IRA
0.25%$500-9 Month IRA
0.25%$100k-6 Month Jumbo IRA