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 Brookline Municipal 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.
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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: October 30, 2026
Brookline Municipal Credit Union's 9 month CD Specials - Nine Month rates are at 3.50%, 15 month CD Specials - Fifteen Month rates are at 3.25%, 3 years CD Specials - Three Year rates are at 2.75%, 5 years Five Year CD rates are at 0.75%, 4 years Four Year CD rates are at 0.65%. Brookline Municipal Credit Union's savings rates are at 0.10%. Brookline Municipal Credit Union's money market rates are at 0.40%. Brookline Municipal Credit Union's checking rates are as high as 0.05%. Brookline Municipal Credit Union's Personal Loan Rates are as low as 9.99%. Brookline Municipal Credit Union's CD rates are 73% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Brookline Municipal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.07%. Rates last updated and verified on 10/30/2026. Brookline Municipal 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 Brookline Municipal Credit Union? Share your experience about Brookline Municipal Credit Union by leaving a review below, or read customer reviews before you decide to use Brookline Municipal Credit Union. Brookline Municipal Credit Union
BROOKLINE MUNICIPAL CREDIT UNION 334 WASHINGTON ST
https://brooklinecu.com BROOKLINE, MA 02445-6850  Customer Reviews
5.0 ★ 1 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. Brookline Municipal Credit Union CD Rates
Brookline Municipal Credit Union Savings Rates
Brookline Municipal Credit Union Money Market Rates
Brookline Municipal Credit Union Checking Rates
Brookline Municipal Credit Union Home Equity & HELOC
Brookline Municipal Credit Union Auto Loan Rates
Brookline Municipal Credit Union RV, Boat and Powersport Loan Rates
Brookline Municipal Credit Union Personal Loan Rates
Brookline Municipal Credit Union Other Rates
Financial Health HistoryBrookline Municipal Credit Union’s Texas Ratio stayed near 0.04% in Q3 2023 to 0.07% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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 Brookline Municipal 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 Brookline Municipal 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 Brookline Municipal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Brookline Municipal Credit Union
Website
https://brooklinecu.com
Address
334 WASHINGTON ST,
BROOKLINE, MA 02445-6850
Phone
617-232-9410
Fax
617-232-1462
President
Matthew Baronas
CEO
PAUL DEMAIO
Full-Time Employees
5
Part-Time Employees
0
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+ (100/100)
Texas Ratio
0.07%
Return on Assets (ROA)
0.5894%
Return on Equity (ROE)
4.3887%
Non-Performing Loans Ratio (NPL)
0.03%
Total Assets
50,956,569
Total Amount of Shares and Deposits
43,950,286
Total Shares and Deposits < 1 Year
43,373,487
Total Shares and Deposits 1 3 Years
549,737
Total Shares and Deposits > 3 Years
27,062
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,421,478
Total Uninsured Shares and Deposits > $250K (F+J)
3,421,478
Total Insured Shares and Deposits > $250K (item 17 less item K)
40,528,808
Total Interest Expense (Sum of items 6 8)
239,343
Share Certificates
250
Number of Accounts for Share Drafts
840
IRA KEOGH Accounts
25
Number of Accounts for Regular Shares
2,928
All other shares
32
Money Market Shares
113
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)
7,652,637
Total Liabilities
44,112,688
Source: NCUA — Last Updated 06/30/2026
Customer ReviewsOngelita Mockabee Miles
June 26, 2026
I have been a Member of the Brookline Municipal Credit Union for over 30+ years. There everyone knows you by your name, not just as a customer and a face. I have dealt with many Savings Institutions and I find Martha is ranked Number One for her patience and personality for dealing with the Public. The BMCU is not like big banks, they\'re like small homely, friendly can I be of Sevice to you banking like it used to be. I moved away from MA 4 years ago, but I am still a Member and will always be.
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Frequently Asked Questions About Brookline Municipal Credit UnionDoes Brookline Municipal Credit Union offer CDs?Yes. Brookline Municipal Credit Union current CD rates include its 9 month CD Specials - Nine Month at 3.50% APY, its 15 month CD Specials - Fifteen Month at 3.25% APY and its 3 years CD Specials - Three Year at 2.75% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Brookline Municipal Credit Union NCUA insured?Yes. Brookline Municipal 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 Brookline Municipal Credit Union?The highest Brookline Municipal Credit Union CD rate is its 9 month CD Specials - Nine Month at 3.50% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Brookline Municipal Credit Union offer?Brookline Municipal Credit Union CD rates are 3.50% APY for a 9 month CD, 0.30% APY for a 12 month CD, 3.25% APY for a 15 month CD, 0.35% APY for an 18 month CD, 0.45% APY for a 2 year CD, 2.75% APY for a 3 year CD, 0.65% APY for a 4 year CD and 0.75% 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 Brookline Municipal Credit Union for its full lineup. What is the highest savings rate at Brookline Municipal Credit Union?The highest Brookline Municipal Credit Union savings rate is its Savings at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Brookline Municipal Credit Union?The highest Brookline Municipal Credit Union money market rate is its Money Market Account at 0.40% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Brookline Municipal Credit Union?The highest Brookline Municipal Credit Union checking rate is its Checking at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Brookline Municipal Credit Union?The lowest Brookline Municipal Credit Union auto loan rate is its New Auto 2024 2025 2026 at 4.00% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Brookline Municipal Credit Union?The lowest Brookline Municipal 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 Brookline Municipal Credit Union operate?Brookline Municipal 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 Brookline Municipal Credit Union?Yes, to access services at Brookline Municipal 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, Brookline Municipal 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, Brookline Municipal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Brookline Municipal Credit Union offer online and mobile banking?Most modern institutions like Brookline Municipal 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://brooklinecu.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 Brookline Municipal Credit Union rates compare?Brookline Municipal Credit Union's CD rates are 73% lower than the MonitorBankRates national average, and it has an A+ health rating. Brookline Municipal Credit Union's top rates are its 9 month CD Specials - Nine Month at 3.50% APY, its Savings at 0.10% APY, its Money Market Account at 0.40% APY, its Checking at 0.05% APY and its Personal Loan at 9.99% APR, verified by MonitorBankRates on October 30, 2026. Current Brookline Municipal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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