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Advertiser Disclosure
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 Mass Bay Credit Union Rates & Review March 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: March 27, 2026
Mass Bay Credit Union's 6 month CD rates are at 4.00%, IRA CDs 6 month rates are at 4.00%, 12 month CD rates are at 3.75%, IRA CDs 12 month rates are at 3.75%, 24 month CD rates are at 3.50%. Mass Bay Credit Union's money market rates are at 0.05%. Mass Bay Credit Union's 15 Year Fixed Rate Mortgage Loan rates are at 5.62%, 30 Year Fixed Rate Mortgage Loan rates are at 5.75%, 10 & Done - 10 Year Fixed Home Loan rates are at 6.75%. Mass Bay Credit Union's Personal Loan Rates are at 4.49%. 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 5.65%. Rates were last updated on 03/27/2026. 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. 
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
Methodology & Data SourcesMonitorBankRates 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
Theresa Dorilas
Full-Time Employees
48
Part-Time Employees
4
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.65%
Return on Assets (ROA)
0.4009%
Return on Equity (ROE)
3.5943%
Non-Performing Loans Ratio (NPL)
0.74%
Total Assets
361,590,986
Total Amount of Shares and Deposits
249,641,976
Total Shares and Deposits < 1 Year
240,777,913
Total Shares and Deposits 1 3 Years
7,792,225
Total Shares and Deposits > 3 Years
1,071,838
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
19,806,713
Total Uninsured Shares and Deposits > $250K (F+J)
19,806,713
Total Insured Shares and Deposits > $250K (item 17 less item K)
229,835,263
Total Interest Expense (Sum of items 6 8)
4,996,658
Share Certificates
1,714
Number of Accounts for Share Drafts
8,283
IRA KEOGH Accounts
458
Number of Accounts for Regular Shares
20,743
Money Market Shares
519
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,049,886
Total Liabilities
324,700,637
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Mass Bay Credit UnionIs Mass Bay Credit Union a safe place to deposit money?Yes, Mass Bay Credit Union is considered a safe financial institution. With a Texas Ratio of 5.6485785796811%, 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 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
Retrieved from our database of financial products. Rates subject to change.
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