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Overview / Commentary
147 W 4th St
South Boston, MA 02127

Mass Bay Credit Union is headquartered in South Boston and is the 33rd largest credit union in the state of Massachusetts. It is also the 887th largest credit union in the nation. It was established in 1936 and as of December of 2016, it had grown to 67 employees and 18,501 members at 4 locations. Mass Bay Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Norfolk or Suffolk Counties, Everett, Hanover, Hingham, Lynn, Malden, Marshfield, Medford, Melrose, Norwell, Peabody, Rockland, Saugus, Scituate, Somerville, Stoneham and Whitman; employees of Massachusetts Department of Transportation.
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Health Grade Components

NCUA #68137
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.36%
Return on Equity - YTD3.6%
Annual Interest Income$8.0MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$236.3MM$217.7MM
LoansQ4 2016vs Q4 2015$175.5MM$148.0MM
DepositsQ4 2016vs Q4 2015$193.3MM$180.9MM
Equity CapitalQ4 2016vs Q4 2015$23.1MM$22.4MM
Loan Loss AllowanceQ4 2016vs Q4 2015$478.00K$515.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.1MM$1.6MM
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Mass Bay Credit Union Savings Account Rates

0.10%*$10k*-Main Share Account
OTHER TIERS: 0.03% Up to $500 | 0.05% $500 - $10k
0.10%*$10k*-IRA Share Account
OTHER TIERS: 0.03% Up to $500 | 0.05% $500 - $10k
0.10%*$10k*-Roth IRA Share Account
OTHER TIERS: 0.03% Up to $500 | 0.05% $500 - $10k
0.10%*$10k*-Misc Share Account
OTHER TIERS: 0.03% Up to $500 | 0.05% $500 - $10k
0.10%*$10k*-Business Share
OTHER TIERS: 0.03% $25 - $500 | 0.05% $500 - $10k
0.05%--Vacation Club Account
0.05%--Holiday Club Account

Mass Bay Credit Union Money Market Rates

0.35%*$20k*-Money Market Account
OTHER TIERS: 0.05% $10 - $2,500 | 0.15% $2,500 - $10k | 0.25% $10k - $20k

Mass Bay Credit Union Checking Account Rates

0.05%--NOW Checking

Mass Bay Credit Union CD Rates

1.75%$500-60 Months CD
1.30%$500-48 Months CD
1.15%$500-18 Months CD
0.95%$500-36 Months CD
0.80%$500-24 Months CD
0.70%$500-14 Months CD
0.50%$500-12 Months CD
0.30%$500-6 Months CD
0.20%$500-3 Months CD

Mass Bay Credit Union IRA Rates

1.75%$500-60 Months IRA
1.30%$500-48 Months IRA
1.15%$500-18 Months IRA
0.95%$500-36 Months IRA
0.80%$500-24 Months IRA
0.70%$500-14 Months IRA
0.50%$500-12 Months IRA
0.30%$500-6 Months IRA
0.20%$500-3 Months IRA

Mass Bay Credit Union Locations
Branch Office1250 Hancock StQuincy, MA 02169
Branch Office183 Main StEverett, MA 02149
Branch Office147 W 4th StSouth Boston, MA 02127
Branch Office409 D StreetSouth Boston, MA 02127