What are the current interest rates at Mass Bay Credit Union?

Current rates for Mass Bay Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.00%, 24-Month CD: 4.25%, 60-Month CD: 3.35%, MMA: 0.80%

MonitorBankRates

☰

Home›
Credit Unions›
Mass Bay Credit Union

iAdvertiser Disclosure

Mass Bay Credit Union Rates & Review October 2026

Q: How many branches does Mass Bay Credit Union operate?

Mass 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.

Q: Is a member application needed to join Mass Bay Credit Union?

Yes, to access services at Mass 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.

Q: Is there a first-time homebuyer program?

Currently, Mass 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mass Bay Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Mass Bay Credit Union's top rates as of October 14, 2026 are 4.30% APY on its CDs - 14 month CD, 0.80% APY on money market accounts, 0.03% APY on checking, 6.75% on its 10 & Done - 10 Year Fixed Home Loan mortgage, personal loans from 7.49% APR, and credit cards from 9.49% APR, according to rates verified by MonitorBankRates. Other Mass Bay Credit Union CD rates include IRA CD - 14 month at 4.30%, CDs - 24 month at 4.25%, and IRA CD - 24 month at 4.25%. MonitorBankRates evaluates the financial stability of Mass Bay Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.39%. Rates last updated and verified on 10/14/2026.

Mass 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 Mass Bay Credit Union? Share your experience about Mass Bay Credit Union by leaving a review below, or read customer reviews before you decide to use Mass Bay Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.39%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Mass Bay Credit Union
South Boston

147 W 4th St
South Boston, MA 02127

https://www.massbaycu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Mass Bay Credit Union CD Rates

Product	Rate	APY	Term
Certificates - 14 month	-	4.30%	14 Months
Min Deposit $500 Min Balance $500 Details Limited time offer, subject to change without notice; requires at least 50% new money (funds not currently on deposit with Mass Bay Credit Union); subject to membership eligibility; maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 4.30% ▲ 1.30 pts · high 4.30% / low 3.00% Oct 1, 20264.30%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
IRA Certificate - 14 month	-	4.30%	14 Months
Min Deposit $500 Min Balance $500 Details Limited time offer; requires at least 50% of funds deposited to be new money not currently on deposit with Mass Bay Credit Union; subject to membership eligibility; Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 4.30% ▲ 1.30 pts · high 4.30% / low 3.00% Oct 1, 20264.30%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Certificates - 24 month	-	4.25%	24 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
IRA Certificate - 24 month	-	4.25%	24 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Certificates - 10 month	-	4.11%	10 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.11% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
IRA Certificate - 10 month	-	4.11%	10 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.11% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Certificates - 18 month	-	4.00%	18 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
IRA Certificate - 18 month	-	4.00%	18 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Certificates - 6 month	-	3.75%	6 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
IRA Certificate - 6 month	-	3.75%	6 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Certificates - 12 month	-	3.50%	12 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
IRA Certificate - 12 month	-	3.50%	12 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Certificates - 36 month	-	3.45%	36 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
IRA Certificate - 36 month	-	3.45%	36 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Certificates - 60 month	-	3.35%	60 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
IRA Certificate - 60 month	-	3.35%	60 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Certificates - 16 month	-	3.00%	16 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Certificates - 17 month	-	3.00%	17 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Certificates - 48 month	-	3.00%	48 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
IRA Certificate - 16 month	-	3.00%	16 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
IRA Certificate - 17 month	-	3.00%	17 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
IRA Certificate - 48 month	-	3.00%	48 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Certificates - 3 month	-	2.75%	3 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
IRA Certificate - 3 month	-	2.75%	3 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Certificates - 28 month	-	2.65%	28 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
IRA Certificate - 28 month	-	2.65%	28 Months
Min Deposit $500 Min Balance $500 Details Maximum deposit $250,000 per Member; may be subject to penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Mass Bay Credit Union Savings Rates

Product	Rate	APY
Christmas Club	-	0.05%
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Vacation Club	-	0.05%
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Mass Bay Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	0.80%
Min Deposit $10 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Market	-	0.80%
Min Deposit $10 Min Balance $250,000 Details Balance: $250,000 - ABOVE Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Market	-	0.60%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Market	-	0.50%
Min Deposit $10 Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Market	-	0.35%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Market	-	0.15%
Min Deposit $10 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Market	-	0.05%
Min Deposit $10 Min Balance $10 Details Balance: $10 - $2,499.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Mass Bay Credit Union Checking Rates

Product	Rate	APY	View More
NOW Checking	-	0.03%
Min Balance $5 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Mass Bay Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
10 & Done - 10 Year Fixed Home Loan	6.75%	-	7.09%	10 Years
Details Term: 10 Years (120 months); Interest Rate and APR as of November 19, 2024; APR based on $100,000 loan for 10 years; owner occupied condos and single-family primary residences only; maximum loan amount $300,000; maximum LTV 80% up to $200,000 and 70% for loans over $200,000 up to $300,000; first lien required; 620 minimum credit score; $1,499 closing costs apply; subject to membership eligibility Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.09% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Mass Bay Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	6.25%	10 Year
Details Term: 10 Year Draw/ 15 Year Repayment; Introductory APR 3.49% for first 6 months, then Prime minus 0.75% (6.25% shown); Prime rate as of 09/17/2026 is 7.00%; APR may vary monthly; minimum rate 3.75%, maximum rate 18.00%; minimum $10,000 draw at closing and $1,000 advances thereafter; maximum LTV 80% up to $200,000; payment $5.21 interest only period, $8.57 repayment period Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
10 Year Fixed Rate Home Equity Loan	6.75%	0	6.75%	10 Year
Details Rates based on annual percentage rate; qualification restrictions apply; payments do not include taxes and insurance; subject to membership eligibility; effective September 17, 2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
5 Year Fixed Rate Home Equity Loan	6.75%	0	6.75%	5 Year
Details Rates based on annual percentage rate; qualification restrictions apply; payments do not include taxes and insurance; subject to membership eligibility; effective September 17, 2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
15 Year Fixed Rate Home Equity Loan	7.125%	0	7.125%	15 Year
Details Rates based on annual percentage rate; qualification restrictions apply; payments do not include taxes and insurance; subject to membership eligibility; effective September 17, 2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 7.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
20 Year Fixed Rate Home Equity Loan	7.25%	0	7.25%	20 Year
Details Rates based on annual percentage rate; qualification restrictions apply; payments do not include taxes and insurance; subject to membership eligibility; effective September 17, 2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Mass Bay Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
4 Year Auto Loan - New Vehicle (<25K miles)	-	-	4.49%	48 months
Details APR includes .25% automatic payment discount; 4.74% APR without automatic payments; up to 105% financing based on JD Power retail value; qualification restrictions apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
4 Year Auto Loans	-	-	4.49%	48 months
Details Car Type: New < 25K miles; APR includes .25% discount for automatic payments Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
5 Year Auto Loans - New < 25K miles	-	-	4.49%	60 months
Details APR includes .25% discount for automatic payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
6 Year Auto Loans - New < 25K miles	-	-	4.74%	72 months
Details APR includes .25% discount for automatic payments; 4.74% APR without automatic payments; Maximum term for new auto and motorcycle loans is 72 months; Qualification restrictions apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
4 Year Auto Loan - Used Vehicle (>25K miles)	-	-	4.99%	48 months
Details APR includes .25% automatic payment discount; 5.24% APR without automatic payments; up to 105% financing based on JD Power retail value; qualification restrictions apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
4 Year Auto Loans	-	-	4.99%	48 months
Details Car Type: Used > 25K miles; APR includes .25% discount for automatic payments Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
5 Year Auto Loans - Used > 25K miles	-	-	4.99%	60 months
Details APR includes .25% discount for automatic payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
6 Year Auto Loans - Used > 25K miles	-	-	5.24%	72 months
Details APR includes .25% discount for automatic payments; 5.24% APR without automatic payments; Qualification restrictions apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
4 Year Auto Loan - Used Vehicle (2019 or older)	-	-	9.49%	48 months
Details Used car models from 2019 or older; 9.74% APR without automatic payments; up to 105% financing based on JD Power retail value; qualification restrictions apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
4 Year Auto Loans	-	-	9.49%	48 months
Details Car Type: 2019 or older; APR includes .25% discount for automatic payments Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
5 Year Auto Loans - 2019 or older	-	-	9.99%	60 months
Details APR includes .25% discount for automatic payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Mass Bay Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card Rewrite	-	9.49%
Details Intro period: 48 months; Personal loan; APR+ column; rates shown are lowest rate; other rates and terms available; qualification restrictions apply Last Updated 10/14/2026 Rate History No change since Oct 1, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Mass Bay Credit Union Personal Loan Rates

Product	APR	Term
Vacation/Holiday Personal Loan	7.49%	18 months
Details Personal loan; APR+ column; rates shown are lowest rate; other rates and terms available; qualification restrictions apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Lifestyle Personal Loan	8.99%	30 months
Details Personal loan; APR+ column; rates shown are lowest rate; other rates and terms available; qualification restrictions apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Personal Unsecured Loan	9.49%	48 months
Details Personal loan; APR+ column; rates shown are lowest rate; other rates and terms available; qualification restrictions apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Mass Bay Credit Union Other Rates

Product	Rate	Points	APY/APR
Business Share	-	-	0.03%
Min Deposit $25 Min Balance $25 Details Balance: $25 - $499.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Business Share	-	-	0.05%
Min Deposit $25 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Business Share	-	-	0.10%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - Above Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
I.R.A Share	-	-	0.03%
Min Balance $0 Details Balance: $0 - $499.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
I.R.A Share	-	-	0.05%
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
I.R.A Share	-	-	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - Above Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Main Share/Misc Share	-	-	0.03%
Min Deposit $5 Min Balance $5 Details Balance: $5 - $499.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Main Share/Misc Share	-	-	0.05%
Min Deposit $5 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Main Share/Misc Share	-	-	0.10%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000 - Above Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Mass Bay Credit Union’s Texas Ratio rose from 5.81% in Q3 2023 to 6.39% in Q2 2026, so its financial health has held steady at a healthy level 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$367M	6.39%	5.0	A
March 31, 2026	$368M	4.64%	5.0	A+
December 31, 2025	$362M	5.80%	5.0	A+
September 30, 2025	$362M	5.58%	5.0	A+
June 30, 2025	$359M	5.31%	5.0	A+
March 31, 2025	$362M	2.26%	5.0	A+
December 31, 2024	$355M	6.77%	5.0	A
September 30, 2024	$358M	8.63%	5.0	A
June 30, 2024	$356M	6.18%	5.0	A
March 31, 2024	$357M	5.51%	5.0	A+
December 31, 2023	$350M	9.87%	5.0	A
September 30, 2023	$333M	5.81%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Mass 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 Mass 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 Mass Bay Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mass Bay Credit Union

Website https://www.massbaycu.org

Address 147 W 4th St, South Boston, MA 02127

Phone 617-269-2700

Fax

President Jeremiah Ahern

CEO Kelli Cullen

Full-Time Employees 50

Part-Time Employees 3

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.39%

Return on Assets (ROA)

0.2915%

Return on Equity (ROE)

2.5442%

Non-Performing Loans Ratio (NPL)

0.89%

Total Assets

366,732,974

Total Amount of Shares and Deposits

259,620,513

Total Shares and Deposits < 1 Year

244,972,626

Total Shares and Deposits 1 3 Years

14,106,609

Total Shares and Deposits > 3 Years

541,278

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

24,074,591

Total Uninsured Shares and Deposits > $250K (F+J)

24,074,591

Total Insured Shares and Deposits > $250K (item 17 less item K)

235,545,922

Total Interest Expense (Sum of items 6 8)

3,105,191

Share Certificates

1,754

Number of Accounts for Share Drafts

8,278

IRA KEOGH Accounts

442

Number of Accounts for Regular Shares

20,184

Money Market Shares

513

Net Income (unless the amount is already included in Undivided Earnings)

1,069,203

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)

17,492,229

Total Liabilities

327,399,959

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Mass Bay Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/mass-bay-credit-union-rates-review-68137">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Mass Bay Credit Union 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Mass Bay Credit Union

Frequently Asked Questions About Mass Bay Credit Union

How many branches does Mass Bay Credit Union operate?

Mass 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 Mass Bay Credit Union?

Yes, to access services at Mass 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, Mass 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, Mass Bay Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Mass Bay Credit Union offer online and mobile banking?

Most modern institutions like Mass 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.massbaycu.org.

Current Mass Bay Credit Union Rates

12-Month CD3.50%
18-Month CD3.00%
24-Month CD4.25%
60-Month CD3.35%
MMA0.80%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Mass Bay Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Mass Bay Credit Union Texas Ratio

Mass Bay Credit Union Health Trend

Mass Bay Credit Union CD Rates

Mass Bay Credit Union Savings Rates

Mass Bay Credit Union Money Market Rates

Mass Bay Credit Union Checking Rates

Mass Bay Credit Union Mortgage Rates

Mass Bay Credit Union Home Equity & HELOC

Mass Bay Credit Union Auto Loan Rates

Mass Bay Credit Union Credit Card Rates

Mass Bay Credit Union Personal Loan Rates

Mass Bay Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Mass Bay Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Mass Bay Credit Union

How many branches does Mass Bay Credit Union operate?

Is a member application needed to join Mass Bay Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Mass Bay Credit Union offer online and mobile banking?

Current Mass Bay Credit Union Rates

Compare to Other Credit Unions