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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.
 BFCU Boston Firefighters Credit Union Rates & Review November 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: October 30, 2026
BFCU Boston Firefighters Credit Union's 1 Year CD rates are at 4.06%, 6 Month CD rates are at 3.76%, 2 Year CD rates are at 3.26%, 3 Year CD rates are at 3.26%, 4 Year CD rates are at 3.01%. BFCU Boston Firefighters Credit Union's money market rates are at 1.75%. BFCU Boston Firefighters Credit Union's checking rates are as high as 0.01%. BFCU Boston Firefighters Credit Union's Piggyback Mortgage - 1st Mortgage rates are at 7.12%. BFCU Boston Firefighters Credit Union's Personal Loan Rates are as low as 9.99%. BFCU Boston Firefighters Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of BFCU Boston Firefighters Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.99%. Rates last updated and verified on 10/30/2026. BFCU Boston Firefighters 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 BFCU Boston Firefighters Credit Union? Share your experience about BFCU Boston Firefighters Credit Union by leaving a review below, or read customer reviews before you decide to use BFCU Boston Firefighters Credit Union. BFCU Boston Firefighters Credit Union
Main Office 60 Hallet St
https://www.bosfirecu.com Dorchester, MA 02124-5408  Customer Reviews
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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. BFCU Boston Firefighters Credit Union CD Rates
BFCU Boston Firefighters Credit Union Savings Rates
BFCU Boston Firefighters Credit Union Money Market Rates
BFCU Boston Firefighters Credit Union Checking Rates
BFCU Boston Firefighters Credit Union Mortgage Rates
BFCU Boston Firefighters Credit Union Auto Loan Rates
BFCU Boston Firefighters Credit Union Personal Loan Rates
BFCU Boston Firefighters Credit Union Other Rates
Financial Health HistoryBFCU Boston Firefighters Credit Union’s Texas Ratio rose from 2.62% in Q3 2023 to 3.99% in Q2 2026, so its financial health has stayed very strong 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 BFCU Boston Firefighters 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 BFCU Boston Firefighters 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 BFCU Boston Firefighters Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
BFCU Boston Firefighters Credit Union
Website
https://www.bosfirecu.com
Address
60 Hallet St,
Dorchester, MA 02124-5408
Phone
617-288-2420
Fax
875-220-2158
President
Sean Costello
CEO
Danielle Milner
Full-Time Employees
47
Part-Time Employees
3
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.99%
Return on Assets (ROA)
0.3766%
Return on Equity (ROE)
2.9136%
Non-Performing Loans Ratio (NPL)
0.68%
Total Assets
452,551,866
Total Amount of Shares and Deposits
380,985,718
Total Shares and Deposits < 1 Year
361,911,865
Total Shares and Deposits 1 3 Years
13,748,409
Total Shares and Deposits > 3 Years
5,325,444
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
69,463,953
Total Uninsured Shares and Deposits > $250K (F+J)
71,059,115
Total Insured Shares and Deposits > $250K (item 17 less item K)
309,926,603
Total Interest Expense (Sum of items 6 8)
3,473,211
Share Certificates
1,824
Number of Accounts for Share Drafts
8,371
IRA KEOGH Accounts
158
Number of Accounts for Regular Shares
14,691
All other shares
1,278
Non Member Deposits
19
Money Market Shares
1,634
Net Income (unless the amount is already included in Undivided Earnings)
1,704,509
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)
49,278,509
Total Liabilities
394,750,278
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About BFCU Boston Firefighters Credit UnionDoes BFCU Boston Firefighters Credit Union offer CDs?Yes. BFCU Boston Firefighters Credit Union current CD rates include its 1 Year CD at 4.06% APY, its 6 Month CD at 3.76% APY and its 2 Year CD at 3.26% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from BFCU Boston Firefighters Credit Union NCUA insured?Yes. BFCU Boston Firefighters Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at BFCU Boston Firefighters Credit Union?The highest BFCU Boston Firefighters Credit Union CD rate is its 1 Year CD at 4.06% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does BFCU Boston Firefighters Credit Union offer?BFCU Boston Firefighters Credit Union CD rates are 3.76% APY for a 6 month CD, 4.06% APY for a 12 month CD, 3.26% APY for a 2 year CD, 3.26% APY for a 3 year CD, 3.01% APY for a 4 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with BFCU Boston Firefighters Credit Union for its full lineup. What is the highest money market rate at BFCU Boston Firefighters Credit Union?The highest BFCU Boston Firefighters Credit Union money market rate is its Tiered Rate Money Market Account (MMDA) at 1.75% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest mortgage rate at BFCU Boston Firefighters Credit Union?The lowest BFCU Boston Firefighters Credit Union mortgage rate is its Piggyback Mortgage - 1st Mortgage at 7.125%, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at BFCU Boston Firefighters Credit Union?The lowest BFCU Boston Firefighters Credit Union auto loan rate is its Auto Loan Special at 4.35% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at BFCU Boston Firefighters Credit Union?The lowest BFCU Boston Firefighters Credit Union personal loan rate is its Personal Loan at 9.99% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does BFCU Boston Firefighters Credit Union operate?BFCU Boston Firefighters 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 BFCU Boston Firefighters Credit Union?Yes, to access services at BFCU Boston Firefighters 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, BFCU Boston Firefighters 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, BFCU Boston Firefighters Credit Union provides members with tools to manage their accounts and build a solid financial history. Does BFCU Boston Firefighters Credit Union offer online and mobile banking?Most modern institutions like BFCU Boston Firefighters 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.bosfirecu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do BFCU Boston Firefighters Credit Union rates compare?BFCU Boston Firefighters Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. BFCU Boston Firefighters Credit Union's top rates are its 1 Year CD at 4.06% APY, its Tiered Rate Money Market Account (MMDA) at 1.75% APY, its NOW Account (Share Draft) at 0.01% APY, its Piggyback Mortgage - 1st Mortgage at 7.125% and its Personal Loan at 9.99% APR, verified by MonitorBankRates on October 30, 2026. Current BFCU Boston Firefighters Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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