|
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.
 Liberty Bay Credit Union Rates & Review April 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: April 23, 2026
Liberty Bay Credit Union's Personal Loan Rates are at 9.74%. MonitorBankRates evaluates the financial stability of Liberty Bay Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.15%. Rates were last updated on 04/23/2026. Liberty Bay 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 Liberty Bay Credit Union? Share your experience about Liberty Bay Credit Union by leaving a review below, or read customer reviews before you decide to use Liberty Bay Credit Union. Liberty Bay Credit Union
Liberty Bay Credit Union 300 Granite St Fl 3
https://www.lbcu.org Braintree, MA 02184 3909 
Liberty Bay Credit Union Mortgage Rates
Liberty Bay Credit Union Home Equity & HELOC
Liberty Bay Credit Union Auto Loan Rates
Liberty Bay Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Liberty Bay 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 Liberty Bay 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 Liberty Bay Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Liberty Bay Credit Union
Website
https://www.lbcu.org
Address
300 Granite St Fl 3,
Braintree, MA 02184 3909
Phone
617-439-6500
Fax
617-439-6556
President
Sean Cashman
CEO
John Barron
Full-Time Employees
69
Part-Time Employees
0
Branch Locations
4
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.15%
Return on Assets (ROA)
0.3862%
Return on Equity (ROE)
2.6027%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
815,731,308
Total Amount of Shares and Deposits
558,713,667
Total Shares and Deposits < 1 Year
524,331,677
Total Shares and Deposits 1 3 Years
29,841,025
Total Shares and Deposits > 3 Years
4,540,965
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
104,579,237
Total Uninsured Shares and Deposits > $250K (F+J)
104,579,237
Total Insured Shares and Deposits > $250K (item 17 less item K)
454,134,430
Total Interest Expense (Sum of items 6 8)
12,976,922
Share Certificates
3,575
Number of Accounts for Share Drafts
14,088
IRA KEOGH Accounts
1,340
Number of Accounts for Regular Shares
24,677
All other shares
13
Non Member Deposits
4
Money Market Shares
2,388
Net Income (unless the amount is already included in Undivided Earnings)
3,150,703
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
14,947,523
Total Liabilities
705,510,219
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Liberty Bay Credit UnionIs Liberty Bay Credit Union a safe place to deposit money?Yes, Liberty Bay Credit Union is considered a safe financial institution. With a Texas Ratio of 2.1514089174249%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Liberty Bay Credit Union operate?Liberty Bay 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 Liberty Bay Credit Union?Yes, to access services at Liberty Bay 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, Liberty Bay 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, Liberty Bay Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Liberty Bay Credit Union offer online and mobile banking?Most modern institutions like Liberty Bay 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.lbcu.org. Compare to Other Credit Unions
Share Advantage Credit Union
Employees Federal Credit Union
TEG Federal Credit Union
Inner Lakes Federal Credit Union
Hope Federal Credit Union
Benchmark Federal Credit Union
Vision Financial Federal Credit Union
Franklin Regional Schools Federal Credit Union
Concora Wabash Federal Credit Union
EP
PFD Firefighters Credit Union Inc
GREATER NEW ORLEANS
Homebase Federal Credit Union
Travis County Credit Union
Velocity Credit Union
AmeriCU Credit Union
Cornerstone Community Financial Credit Union
Firestone Federal Credit Union
Alcoa Pittsburgh Federal Credit Union
Cabot Boston Credit Union
Chem Family Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
