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Mass Bay Credit Union

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CURRENT TOP RATE

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.15%	5-year CD	60 Month CD 2.50% - Ally Bank High Yield 5 Year CD
0.70%	1-year CD	14 Month CD 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.10%	Savings	Misc Share Account 1.30% - Nationwide Bank Online Savings Account

View all Mass Bay Credit Union rates »

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 34^th largest credit union in the state of Massachusetts. It is also the 886^th largest credit union in the nation. It was established in 1936 and as of December of 2017, it had grown to 57 employees and 18,859 members at 4 locations. Mass Bay Credit Union has a B+ 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.
See current membership details

Related Posts

View all posts from:

2012
2006

6/13 - Mass Bay Credit Union Wins Big Field Of Membership Expansion

9/2 - 6.43% 36-month CD at a Massachusetts CU (MBTA Employees).

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Health

B+

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68137
Year Chartered	1936
Employees	57
Primary Regulator

Profit Margin
Return on Assets - YTD	0.36%
Return on Equity - YTD	3.71%
Annual Interest Income	$8.9MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$248.8MM$236.3MM
Loans	Q4 2017vs Q4 2016	$196.6MM$175.5MM
Deposits	Q4 2017vs Q4 2016	$196.3MM$193.3MM
Equity Capital	Q4 2017vs Q4 2016	$24.3MM$23.1MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$390.00K$478.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$1.5MM$1.1MM
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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^*	-	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%	-	-	Christmas Club Account

Mass Bay Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	-	-	NOW Checking

Mass Bay Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.15%	$500	-	60 Month CD
2.00%	$500	-	28 Month CD
1.50%	$500	-	16 Month CD
1.30%	$500	-	24 Month CD
1.30%	$500	-	48 Month CD
1.15%	$500	-	18 Month CD
0.95%	$500	-	36 Month CD
0.70%	$500	-	12 Month CD
0.70%	$500	-	14 Month CD
0.30%	$500	-	6 Month CD
0.20%	$500	-	3 Month CD

Mass Bay Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.15%	$500	-	60 Month IRA
2.00%	$500	-	28 Month IRA
1.50%	$500	-	16 Month IRA
1.30%	$500	-	24 Month IRA
1.30%	$500	-	48 Month IRA
1.15%	$500	-	18 Month IRA
0.95%	$500	-	36 Month IRA
0.70%	$500	-	12 Month IRA
0.70%	$500	-	14 Month IRA
0.30%	$500	-	6 Month IRA
0.20%	$500	-	3 Month IRA

Locations

Mass Bay Credit Union Locations
Branch Office	1250 Hancock St	Quincy, MA 02169
Branch Office	183 Main St	Everett, MA 02149
Branch Office	147 W 4th St	South Boston, MA 02127
Branch Office	409 D Street	South Boston, MA 02127

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