|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
MASS INSTITUTE OF TECH 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.
Read Full Bio →
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 13, 2026
MASS INSTITUTE OF TECH's 18 Month CD rates are at 3.60%, 6 Month CD rates are at 3.40%, 12 Month CD rates are at 3.25%, 9 Month CD rates are at 3.25%, 3 month High Yield rates are at 3.10%. MASS INSTITUTE OF TECH's savings rates are at 0.05%. MASS INSTITUTE OF TECH's money market rates are at 0.05%. MASS INSTITUTE OF TECH's Personal Loan Rates are as low as 8.50%. MonitorBankRates evaluates the financial stability of MASS INSTITUTE OF TECH with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.47%. Rates last updated and verified on 09/13/2026. MASS INSTITUTE OF TECH 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 MASS INSTITUTE OF TECH? Share your experience about MASS INSTITUTE OF TECH by leaving a review below, or read customer reviews before you decide to use MASS INSTITUTE OF TECH. 
MASS INSTITUTE OF TECH CD Rates
MASS INSTITUTE OF TECH Savings Rates
MASS INSTITUTE OF TECH Money Market Rates
MASS INSTITUTE OF TECH Checking Rates
MASS INSTITUTE OF TECH Home Equity & HELOC
MASS INSTITUTE OF TECH Auto Loan Rates
MASS INSTITUTE OF TECH RV, Boat and Powersport Loan Rates
MASS INSTITUTE OF TECH Personal Loan Rates
MASS INSTITUTE OF TECH Other Rates
Financial Health HistoryMASS INSTITUTE OF TECH’s Texas Ratio rose from 5.41% in Q2 2023 to 7.47% 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 and its Health Grade from A+ to A. 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)
Powered by
MonitorBankRates
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 MASS INSTITUTE OF TECH 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 MASS INSTITUTE OF TECH 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 MASS INSTITUTE OF TECH's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
MASS INSTITUTE OF TECH
Website
http://www.mitfcu.org
Address
70 Westview St,
Lexington, MA 02421-3142
Phone
781-423-2022
Fax
617-258-5709
President
Steven Winig
CEO
Rui Domingos
Full-Time Employees
97
Part-Time Employees
0
Branch Locations
4
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.47%
Return on Assets (ROA)
0.0343%
Return on Equity (ROE)
0.3552%
Non-Performing Loans Ratio (NPL)
1.05%
Total Assets
743,027,960
Total Amount of Shares and Deposits
667,917,873
Total Shares and Deposits < 1 Year
660,986,153
Total Shares and Deposits 1 3 Years
4,850,026
Total Shares and Deposits > 3 Years
2,081,695
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
84,602,312
Total Uninsured Shares and Deposits > $250K (F+J)
84,602,312
Total Insured Shares and Deposits > $250K (item 17 less item K)
583,315,561
Total Interest Expense (Sum of items 6 8)
2,084,214
Share Certificates
2,997
Number of Accounts for Share Drafts
24,726
IRA KEOGH Accounts
366
Number of Accounts for Regular Shares
38,221
All other shares
2,522
Money Market Shares
6,228
Net Income (unless the amount is already included in Undivided Earnings)
255,114
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)
110,062,566
Total Liabilities
673,898,222
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for MASS INSTITUTE OF TECH yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for MASS INSTITUTE OF TECH
Frequently Asked Questions About MASS INSTITUTE OF TECHHow many branches does MASS INSTITUTE OF TECH operate?MASS INSTITUTE OF TECH 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 MASS INSTITUTE OF TECH?Yes, to access services at MASS INSTITUTE OF TECH, 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, MASS INSTITUTE OF TECH 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, MASS INSTITUTE OF TECH provides members with tools to manage their accounts and build a solid financial history. Does MASS INSTITUTE OF TECH offer online and mobile banking?Most modern institutions like MASS INSTITUTE OF TECH 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: http://www.mitfcu.org. Current MASS INSTITUTE OF TECH Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Members 1st Credit Union Brattleboro, VT
Local Union 392 Federal Credit Union
ISRAEL METHCOMM
Tennessee Valley Federal Credit Union
Friona Texas Federal Credit Union
Knox County Employees Credit Union
URBAN UPBOUND
Central State Credit Union
Heart Of Louisiana Federal Credit Union
District One Highway Credit Union
IBEW 175 Federal Credit Union
UNIFY Financial Federal Credit Union
LM Federal Credit Union
CS Credit Union
McKeesport Area Public School Employees FCU
Embarrass Vermillion Federal Credit Union
Desco Federal Credit Union
Mercy Credit Union
University of Pennsylvania Students Federal Credit Union
Technology Credit Union
Reading Berks School Employees Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking