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City of Boston Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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
City of Boston Credit Union's CD 17 month rates are at 4.00%, CD 12 month rates are at 3.90%, CD 7 month rates are at 3.75%, CD 9 month rates are at 3.00%, CD 60 month rates are at 0.94%. City of Boston Credit Union's savings rates are at 0.20%. City of Boston Credit Union's money market rates are at 1.00%. City of Boston Credit Union's checking rates are as high as 0.05%. City of Boston Credit Union's 10 Year Fixed Rate rates are at 6.12%, 15 Year Fixed Rate rates are at 6.25%, 5/25 Year ARM (Adjustable Rate) {2 step fixed rate} rates are at 6.50%, 7/23 Year ARM (Adjustable Rate) {2 step fixed rate} rates are at 6.50%, Mortgage - 20 Year Fixed Rate rates are at 7.12%. City of Boston Credit Union's Personal Loan Rates are as low as 12.99%. City of Boston Credit Union's CD rates are 34% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of City of Boston Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.21%. Rates last updated and verified on 10/30/2026.
City of Boston 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 City of Boston Credit Union? Share your experience about City of Boston Credit Union by leaving a review below, or read customer reviews before you decide to use City of Boston Credit Union.
City of Boston Credit Union has earned an overall safety grade of A (Excellent, Score: 93/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
City of Boston Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
13.21%
ExcellentHigher than avg
City of Boston Credit Union Texas Ratio
City of Boston Credit Union's Texas Ratio is 13.21%, which is considered excellent and is higher than the national average of 6.13%.
City of Boston Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
7.14% to 13.21% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
City of Boston Credit Union CD Rates
Product
Rate
APY
Term
View More
Share Certificate 17 month
3.92%
4.00%
17 Months
Min Balance$500
DetailsAlso available for IRA's, including ROTH; Subject to penalty for early withdrawal
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
Oct 10, 20264.00%▲ from 3.95%
Sep 14, 20263.95%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Share Certificate 12 month
3.83%
3.90%
12 Months
Min Balance$500
DetailsAlso available for IRA's, including ROTH; Subject to penalty for early withdrawal
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
Oct 10, 20263.90%▲ from 3.75%
Sep 14, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Share Certificate 7 month
3.68%
3.75%
7 Months
Min Balance$500
DetailsSubject to penalty for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Share Certificate 9 month
2.96%
3.00%
9 Months
Min Balance$500
DetailsSubject to penalty for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Share Certificate 60 month
0.94%
0.94%
60 Months
Min Balance$500
DetailsAlso available for IRA's, including ROTH; Subject to penalty for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.94% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Share Certificate 48 month
0.90%
0.90%
48 Months
Min Balance$500
DetailsAlso available for IRA's, including ROTH; Subject to penalty for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Share Certificate 36 month
0.85%
0.85%
36 Months
Min Balance$500
DetailsAlso available for IRA's, including ROTH; Subject to penalty for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Share Certificate 24 month
0.65%
0.65%
24 Months
Min Balance$500
DetailsAlso available for IRA's, including ROTH; Subject to penalty for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Share Certificate 18 month
0.55%
0.55%
18 Months
Min Balance$500
DetailsAlso available for IRA's, including ROTH; Subject to penalty for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Share Certificate 8 month
0.40%
0.40%
8 Months
Min Balance$500
DetailsSubject to penalty for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Share Certificate 6 month
0.35%
0.35%
6 Months
Min Balance$500
DetailsSubject to penalty for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Share Certificate 3 month
0.15%
0.15%
3 Months
Min Balance$500
DetailsSubject to penalty for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
City of Boston Credit Union Savings Rates
Product
Rate
APY
View More
IRA & Roth IRA Savings
0.20%
0.20%
Min Deposit$0
Min Balance$0
DetailsMinimum to open = $0
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Club Accounts
0.10%
0.10%
Min Deposit$0
Min Balance$0
DetailsMinimum to open = $0
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Main Share
0.10%
0.10%
Min Deposit$5
Min Balance$5
DetailsMinimum to open = $5
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
City of Boston Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
1.00%
1.00%
Min Balance$100,000
DetailsBalance: $100,000.00 minimum to earn dividends; All other money market account terms apply
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Money Market
0.50%
0.50%
Min Balance$50,000
DetailsBalance: $50,000.00 minimum to earn dividends; All other money market account terms apply
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Money Market
0.30%
0.30%
Min Balance$20,000
DetailsBalance: $20,000.00 minimum to earn dividends; All other money market account terms apply
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.30% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Money Market
0.15%
0.15%
Min Balance$1,000
DetailsBalance: $1,000.00 minimum to earn dividends; All other money market account terms apply
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
City of Boston Credit Union Checking Rates
Product
Rate
APY
View More
NOW Accounts Checking Tier
0.05%
0.05%
Min Deposit$0
Min Balance$25
DetailsMinimum to open = $0
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
City of Boston Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
10 Year Fixed Rate
6.125%
-
6.197%
120 months
No additional details.
Last Updated10/30/2026
Rate History
2 changes since Sep 14, 2026 · 5.91% → 6.20% ▲ 0.29 pts · high 6.20% / low 5.91%
Oct 14, 20266.20%▲ from 6.04%
Oct 1, 20266.04%▲ from 5.91%
Sep 14, 20265.91%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
15 Year Fixed Rate
6.25%
-
6.302%
180 months
DetailsMortgage Rates - No Points; Monthly cost
Last Updated10/30/2026
Rate History
2 changes since Sep 18, 2026 · 6.03% → 6.30% ▲ 0.27 pts · high 6.30% / low 6.03%
Oct 19, 20266.30%▲ from 6.16%
Oct 1, 20266.16%▲ from 6.03%
Sep 18, 20266.03%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
5/25 Year ARM (Adjustable Rate) {2 step fixed rate}
6.50%
-
6.608%
360 Months
DetailsARM; Monthly payment example for $500,000 loan: 60 months at $3,160.34, followed by 300 months at $3,160.34
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 6.61% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
7/23 Year ARM (Adjustable Rate) {2 step fixed rate}
6.50%
-
6.608%
360 Months
DetailsARM; rate may change after closing; APR based on $500,000 loan with 1% origination fee + other closing costs; Monthly payment example for $500,000 loan: 84 months at $3,160.34 followed by 276 months at $3,160.34
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 6.61% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Mortgage - 20 Year Fixed Rate
7.125%
-
7.173%
240 months
DetailsNo Points; A.P.R.** 7.173%; Monthly cost per $1,000 Borrowed:
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.17% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
30 Year Fixed Rate Mortgage
7.375%
-
7.413%
360 months
DetailsNo Points; Monthly cost per $1,000 Borrowed:
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 7.41% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Equity Loans & Lines of Credit - 20 Year Fixed Rate
7.75%
-
7.773%
240 months
DetailsMax. Loan Amount: $250,000
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.77% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
City of Boston Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan - 10 Year Fixed Rate
7.00%
-
7.061%
120 months
DetailsMax. Loan Amount: $250,000
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.06% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Home Equity Loan - 15 Year Fixed
7.25%
-
7.31%
180 months
DetailsMax. Loan Amount $250,000; Monthly cost per $1,000 Borrowed
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.31% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
City of Boston Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New and Used Vehicle Loan
-
-
4.49%
Up to 48 Months
DetailsAs Low As; Model Years 2025-2026; New and Used, maximum borrowed $150,000; APR range 4.49% up to 8.24%; New vehicles have 5,000 miles or less
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Used Vehicle Loan - Model Years 2022-2024
-
-
4.49%
Up to 36 Months
DetailsAs Low As; APR range 4.49% up to 8.24%; Maximum borrowed $150,000
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
New and Used Vehicle Loan
-
-
4.74%
49 - 71 Months
DetailsAs Low As; Model Years 2025-2026; New and Used, maximum borrowed $150,000; APR range 4.74% up to 8.49%; New vehicles have 5,000 miles or less
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Used Vehicle Loan - Model Years 2022-2024
-
-
4.74%
37 - 60 Months
DetailsAs Low As; APR range 4.74% up to 8.49%; Maximum borrowed $150,000
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
New and Used Vehicle Loan
-
-
4.99%
72 - 84 Months
DetailsAs Low As; Model Years 2025-2026; New and Used, maximum borrowed $150,000; APR range 4.99% up to 8.99%; New vehicles have 5,000 miles or less
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Used Vehicle Loan - Model Years 2022-2024
-
-
4.99%
61-72 Months
DetailsAs Low As; APR range 4.99% up to 8.99%; Maximum borrowed $150,000
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Used Vehicle Loan - Model Year 2021
-
-
5.24%
Up to 36 Months
DetailsAs Low As; APR range 5.24% up to 9.24%; Used vehicle, maximum borrowed $75,000; Model Year 2021
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 5.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Used Vehicle Loan - Model Year 2021
-
-
5.24%
37 - 48 Months
DetailsAs Low As; APR range 5.24% up to 9.24%; Used vehicle, maximum borrowed $75,000; Model Year 2021
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 5.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Used Vehicle Loan - Model Years 2020
-
-
5.74%
Up to 36 Months
DetailsAs Low As; APR range 5.74% up to 9.49%; Maximum borrowed $50,000; Monthly cost per $1,000 borrowed $30.30/$32.03
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Used Vehicle Loan - Model Year 2019
-
-
6.24%
Up to 36 Months
DetailsAs Low As; APR range 6.24% - 9.99%; Maximum borrowed $50,000
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Used Vehicle Loan - Model Years 2020
-
-
6.24%
37 - 48 Months
DetailsAs Low As; APR range 6.24% up to 9.74%; Maximum borrowed $50,000; Monthly cost per $1,000 borrowed $23.60/$25.24
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Used Vehicle Loan - Model Year 2019
-
-
6.49%
37 - 48 Months
DetailsAs Low As; APR range 6.49% - 10.24%; Maximum borrowed $50,000
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
City of Boston Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
RV Loans (Trailers, Campers & Boats) - 60 Months
-
8.25%
60 Months
DetailsAs Low As; APR range 8.25% up to 12.25%; Monthly Cost Per $1,000 Borrowed: $20.40/$22.37; Maximum borrowed $100,000; New or Used RV; 10% down payment required
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
RV Loans (Trailers, Campers & Boats) - 120 Months
-
8.75%
120 Months
DetailsAs Low As; APR range 8.75% up to 12.75%; Monthly Cost Per $1,000 Borrowed: $12.53/$14.78; Maximum borrowed $100,000; New or Used RV; 10% down payment required
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
City of Boston Credit Union Student Loan Rates
Product
Rate
Points
APR
Term
View More
Tuition (K-12) and/or College Education Loan (undergraduate/graduate)
No change since Oct 14, 2026 · 17.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.21%
Financial Health History
City of Boston Credit Union’s Texas Ratio rose from 7.14% in Q3 2023 to 13.21% 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. 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
$544M
13.21%
5.0
A
March 31, 2026
$546M
10.64%
5.0
A
December 31, 2025
$559M
18.56%
4.7
B+
September 30, 2025
$562M
13.18%
5.0
A
June 30, 2025
$552M
10.79%
5.0
A
March 31, 2025
$559M
6.74%
5.0
A
December 31, 2024
$553M
11.02%
5.0
A
September 30, 2024
$548M
9.77%
5.0
A
June 30, 2024
$568M
5.71%
5.0
A+
March 31, 2024
$582M
5.88%
5.0
A+
December 31, 2023
$618M
5.68%
5.0
A+
September 30, 2023
$641M
7.14%
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 City of Boston 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 City of Boston 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 City of Boston Credit Union's official website for the most current offers and terms.
Address
455 W Broadway,
South Boston, MA 02127-2218
Phone617-635-4545
Fax
PresidentCecil Jones
CEOLisa Perrin
Full-Time Employees63
Part-Time Employees1
Branch Locations6
ATM Locations16
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
13.21%
Return on Assets (ROA)
0.1939%
Return on Equity (ROE)
2.1392%
Non-Performing Loans Ratio (NPL)
1.95%
Total Assets
544,478,548
Total Amount of Shares and Deposits
466,622,042
Total Shares and Deposits < 1 Year
426,182,531
Total Shares and Deposits 1 3 Years
38,665,740
Total Shares and Deposits > 3 Years
1,773,771
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
57,277,980
Total Uninsured Shares and Deposits > $250K (F+J)
57,277,980
Total Insured Shares and Deposits > $250K (item 17 less item K)
409,344,062
Total Interest Expense (Sum of items 6 8)
3,415,219
Share Certificates
2,171
Number of Accounts for Share Drafts
17,009
IRA KEOGH Accounts
625
Number of Accounts for Regular Shares
34,351
All other shares
333
Non Member Deposits
1
Money Market Shares
1,204
Net Income (unless the amount is already included in Undivided Earnings)
1,055,997
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)
93,446,114
Total Liabilities
504,183,294
Source: NCUA — Last Updated 06/30/2026
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Frequently Asked Questions About City of Boston Credit Union
Does City of Boston Credit Union offer CDs?
Yes. City of Boston Credit Union current CD rates include its CD 17 month at 4.00% APY, its CD 12 month at 3.90% APY and its CD 7 month at 3.75% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from City of Boston Credit Union NCUA insured?
Yes. City of Boston 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 City of Boston Credit Union?
The highest City of Boston Credit Union CD rate is its CD 17 month at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does City of Boston Credit Union offer?
City of Boston Credit Union CD rates are 3.75% APY for a 7 month CD, 3.00% APY for a 9 month CD, 3.90% APY for a 12 month CD, 4.00% APY for a 17 month CD, 0.55% APY for an 18 month CD, 0.65% APY for a 2 year CD and 0.94% 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 City of Boston Credit Union for its full lineup.
What is the highest savings rate at City of Boston Credit Union?
The highest City of Boston Credit Union savings rate is its IRA & Roth IRA Savings at 0.20% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest money market rate at City of Boston Credit Union?
The highest City of Boston Credit Union money market rate is its Money Market at 1.00% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at City of Boston Credit Union?
The highest City of Boston Credit Union checking rate is its NOW Accounts Checking Tier at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest 30 year fixed mortgage rate at City of Boston Credit Union?
The lowest City of Boston Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Rate Mortgage at 7.375%, verified by MonitorBankRates as of October 30, 2026. City of Boston Credit Union mortgage rates are 7.375% for a 30 year mortgage, 6.50% for a 25 year mortgage, 6.50% for a 23 year mortgage, 7.125% for a 20 year mortgage, 6.25% for a 15 year mortgage and 6.125% for a 10 year mortgage.
What is the lowest home equity rate at City of Boston Credit Union?
The lowest City of Boston Credit Union home equity rate is its Equity Loans & Lines of Credit - 20 Year Fixed Rate at 7.75%, verified by MonitorBankRates as of October 30, 2026. HELOC rates are variable, so they can change after you open the line.
What is the lowest auto loan rate at City of Boston Credit Union?
The lowest City of Boston Credit Union auto loan rate is its New and Used Vehicle Loan at 4.49% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at City of Boston Credit Union?
The lowest City of Boston Credit Union personal loan rate is its Personal Loans at 12.99% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does City of Boston Credit Union operate?
City of Boston 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 City of Boston Credit Union?
Yes, to access services at City of Boston 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, City of Boston 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, City of Boston Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does City of Boston Credit Union offer online and mobile banking?
Most modern institutions like City of Boston 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.cityofbostoncu.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 City of Boston Credit Union rates compare?
City of Boston Credit Union's CD rates are 34% lower than the MonitorBankRates national average, and it has an A health rating. City of Boston Credit Union's top rates are its CD 17 month at 4.00% APY, its IRA & Roth IRA Savings at 0.20% APY, its Money Market at 1.00% APY, its NOW Accounts Checking Tier at 0.05% APY, its 10 Year Fixed Rate at 6.125% and its Personal Loans at 12.99% APR, verified by MonitorBankRates on October 30, 2026.
Current City of Boston Credit Union Rates
12-Month CD3.90%
18-Month CD0.55%
24-Month CD0.65%
60-Month CD0.94%
Savings0.20%
MMA1.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
