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Mass Bay Credit Union


Overview / Commentary
www.massbaycu.org
617-269-2700
147 W 4th St
South Boston, MA 02127

Mass Bay Credit Union is headquartered in South Boston and is the 34th largest credit union in the state of Massachusetts. It is also the 981st largest credit union in the nation. It was established in 1936 and as of December of 2021, it had grown to 49 employees and 19,100 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
A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #68137
Year Chartered1936
Employees49
Primary Regulator
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD7.83%
Annual Interest Income$8.7MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$301.0MM$274.2MM
LoansQ4 2021vs Q4 2020$232.6MM$214.9MM
DepositsQ4 2021vs Q4 2020$250.9MM$225.7MM
Equity CapitalQ4 2021vs Q4 2020$30.0MM$28.2MM
Loan Loss AllowanceQ4 2021vs Q4 2020$600.00K$626.00K
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.2MM$1.5MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Mass 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.

Mass Bay Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$10k*-Main Share Account
OTHER TIERS: 0.03% → $5 - $500 | 0.05% → $500 - $10k
0.10%*$10k*-IRA Share Account
OTHER TIERS: 0.03% → $5 - $500 | 0.05% → $500 - $10k
0.10%*$10k*-Misc Share Account
OTHER TIERS: 0.03% → $5 - $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%--Christmas Club Account

Mass Bay Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$20k*-Money Market Account
OTHER TIERS: 0.05% → $10 - $2.5k | 0.15% → $2.5k - $10k | 0.20% → $10k - $20k

Mass Bay Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$5-NOW Checking

Mass Bay Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$500-18 Month CD
1.00%$500-36 Month CD
1.00%$500-48 Month CD
1.00%$500-60 Month CD
0.65%$500-24 Month CD
0.65%$500-28 Month CD
0.50%$500-12 Month CD
0.50%$500-14 Month CD
0.50%$500-16 Month CD
0.50%$500-17 Month CD
0.30%$500-6 Month CD
0.20%$500-3 Month CD

Mass Bay Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$500-18 Month IRA
1.00%$500-36 Month IRA
1.00%$500-48 Month IRA
1.00%$500-60 Month IRA
0.65%$500-24 Month IRA
0.65%$500-28 Month IRA
0.50%$500-12 Month IRA
0.50%$500-14 Month IRA
0.50%$500-16 Month IRA
0.50%$500-17 Month IRA
0.30%$500-6 Month IRA
0.20%$500-3 Month IRA
Locations


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

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