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 City of Boston Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 14, 2026
City of Boston Credit Union's 17 month CD rates are at 3.95%, 12 month CD rates are at 3.75%, 7 month CD rates are at 3.75%, 9 month CD rates are at 3.00%, 60 month CD rates are at 0.94%. City of Boston Credit Union's savings rates are at 0.20%. City of Boston Credit Union's money market rates are at 0.15%. City of Boston Credit Union's 10 Year Fixed Rate rates are at 5.88%, 15 Year Fixed Rate Mortgage rates are at 6.00%, 20 Year Fixed Rate rates are at 6.50%, 5/25 Year ARM (Adjustable Rate) {2 step fixed rate} rates are at 6.50%, 7/23 Year ARM (Adjustable Rate) {2 step fixed rate} rates are at 6.50%. City of Boston Credit Union's Personal Loan Rates are as low as 6.99%. City of Boston Credit Union's Credit Card Rates are at 6.99%. MonitorBankRates evaluates the financial stability of City of Boston Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.64%. Rates last updated and verified on 09/14/2026. City of Boston Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at City of Boston Credit Union? Share your experience about City of Boston Credit Union by leaving a review below, or read customer reviews before you decide to use City of Boston Credit Union. City of Boston Credit Union
Headquarters 455 W Broadway
https://www.cityofbostoncu.com South Boston, MA 02127-2218 
City of Boston Credit Union CD Rates
City of Boston Credit Union Savings Rates
City of Boston Credit Union Money Market Rates
City of Boston Credit Union Checking Rates
City of Boston Credit Union Mortgage Rates
City of Boston Credit Union Auto Loan Rates
City of Boston Credit Union RV, Boat and Powersport Loan Rates
City of Boston Credit Union Student Loan Rates
City of Boston Credit Union Credit Card Rates
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City of Boston Credit Union Other Rates
Financial Health HistoryCity of Boston Credit Union’s Texas Ratio rose from 7.37% in Q2 2023 to 10.64% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for City of Boston Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather City of Boston Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with City of Boston Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
City of Boston Credit Union
Website
https://www.cityofbostoncu.com
Address
455 W Broadway,
South Boston, MA 02127-2218
Phone
617-635-4545
Fax
President
Cecil Jones
CEO
Lisa Perrin
Full-Time Employees
64
Part-Time Employees
2
Branch Locations
6
ATM Locations
16
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.64%
Return on Assets (ROA)
0.1154%
Return on Equity (ROE)
1.2876%
Non-Performing Loans Ratio (NPL)
1.53%
Total Assets
546,179,698
Total Amount of Shares and Deposits
468,802,452
Total Shares and Deposits < 1 Year
425,360,087
Total Shares and Deposits 1 3 Years
41,566,753
Total Shares and Deposits > 3 Years
1,875,612
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
55,889,254
Total Uninsured Shares and Deposits > $250K (F+J)
55,889,254
Total Insured Shares and Deposits > $250K (item 17 less item K)
412,913,198
Total Interest Expense (Sum of items 6 8)
1,686,851
Share Certificates
2,189
Number of Accounts for Share Drafts
16,974
IRA KEOGH Accounts
643
Number of Accounts for Regular Shares
34,307
All other shares
339
Non Member Deposits
1
Money Market Shares
1,220
Net Income (unless the amount is already included in Undivided Earnings)
630,104
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
85,427,198
Total Liabilities
506,251,478
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About City of Boston Credit UnionHow many branches does City of Boston Credit Union operate?City of Boston Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join City of Boston Credit Union?Yes, to access services at City of Boston Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, City of Boston Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, City of Boston Credit Union provides members with tools to manage their accounts and build a solid financial history. Does City of Boston Credit Union offer online and mobile banking?Most modern institutions like City of Boston Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cityofbostoncu.com. Current City of Boston Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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