Liberty Bay Credit Union


Overview / Commentary
800-638-8526
300 Granite St Fl 3
Braintree, MA 02184

Liberty Bay Credit Union is headquartered in Braintree and is the 21st largest credit union in the state of Massachusetts. It is also the 554th largest credit union in the nation. It was established in 1917 and as of June of 2022, it had grown to 74 employees and 25,093 members at 4 locations. Liberty Bay Credit Union has an A+ health rating.

Field of Membership Restrictions

Liberty Bay Credit Union is open to anyone who lives, works, or goes to school in the Boston-area towns of Abington, Arlington, Avon, Bellingham, Belmont, Boston (Allston, Back Bay, Bay Village, Beacon Hill, Brighton, Charlestown, Chinatown, Dorchester, Downtown, East Boston, Fenway, Kenmore, Hyde Park, Jamaica Plain, Mattapan, Misson Hill, North End, Roslindale, Roxbury, South Boston, South End, West End, West Roxbury), Braintree, Bridgewater, Brockton, Brookline, Burlington, Cambridge, Canton, Carver, Chelsea, Cohasset, Dedham, Dover, Duxbury, East Bridgewater, Everett, Foxboro, Franklin, Halifax, Hanover, Hanson, Hingham, Holbrook, Hull, Kingston, Lexington, Malden, Marshfield, Medfield, Medford, Medway, Melrose, Millis, Milton, Needham, Newton, Norfolk, North Reading, Norwell, Norwood, Pembroke, Plainville, Plymouth, Plympton, Quincy, Randolph, Reading, Revere, Rockland, Scituate, Sharon, Somerville, Stoneham, Stoughton, Wakefield, Walpole, Waltham, Watertown, Wellesley, West Bridgewater, Weston, Westwood, Weymouth, Whitman, Wilmington, Winchester, Winthrop, Woburn, or Wrentham, Massachusetts.
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Reviews (1)

Great Customer Service & Good Rates

Posted by: |

I joined this credit union several months ago after a bad experience with DCU and have nothing but good things to say about them. Customer service is very responsive and helpful both on the phone and through their secure messaging system. Their fees are minimal and they offer good rates on both deposit and lending products. They're also part of the COOP branch system and the SUM ATM network, so there is plenty of ATM and deposit coverage if you aren't very close to a branch. Their web and mobile apps are simple but intuitive. The only con I can think of is that their credit cards are managed through an external website rather than their own.



Health
A+

Health Grade Components

Overall
NCUA #67541
Year Chartered1917
Employees74
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD3.42%
Annual Interest Income$10.5MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$716.4MM$699.2MM
LoansQ2 2022vs Q2 2021$518.8MM$475.2MM
DepositsQ2 2022vs Q2 2021$577.8MM$555.1MM
Equity CapitalQ2 2022vs Q2 2021$94.2MM$106.1MM
Loan Loss AllowanceQ2 2022vs Q2 2021$3.2MM$4.0MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.3MM$2.1MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Liberty Bay Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Liberty Bay Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$5-Savings Account
0.10%$5-Rainy Day Club
0.10%$5-Vacation Club
0.10%$5-Christmas Club

Liberty Bay Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$100k*-Premier Money Market
OTHER TIERS: 0.10% $2.5k - $25k | 0.20% $25k - $100k
0.20%*$500*-IRA Money Market
OTHER TIERS: 0.10% $5 - $500
0.10%*$2.5k*-Money Market Account
OTHER TIERS: 0.05% $5 - $2.5k

Liberty Bay Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$5$1kPremier Checking
OTHER TIERS: 0.05% $1k+
0.05%$5-Free Benefits Checking

Liberty Bay Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.85%$500-24 Month CD
2.25%$1k-18 Month CD
1.50%$500-60 Month CD
1.30%$500-48 Month CD
1.10%$500-36 Month CD
1.10%$10k-15 Month CD w/ One-Time Bump Up Special
1.00%$500-30 Month CD
0.90%$10k-11 Month CD Special
0.65%$1k-12 Month CD
0.50%$10k-5 Month CD Special - New Money
0.45%$1k-6 Month CD
0.25%$1k-3 Month CD

Liberty Bay Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.85%$500-24 Month IRA
2.25%$1k-18 Month IRA
1.50%$500-60 Month IRA
1.30%$500-48 Month IRA
1.10%$500-36 Month IRA
0.75%$1k-12 Month IRA
Locations


Liberty Bay Credit Union Locations
Branch Office300 Granite St Fl 1Braintree, MA 02184-3909
Branch Office10 Downer AveHingham, MA 02043
Branch Office9 Brook StScituate, MA 02066-1309
Branch Office300 Tradecenter Ste 1740Woburn, MA 01801

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