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Mass Bay Credit Union

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Mass Bay Credit Union Rates & Review November 2026

Q: 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: 4.00%, 24-Month CD: 4.25%, 60-Month CD: 3.35%, MMA: 0.80%

Q: What CD terms does Mass Bay Credit Union offer?

Mass Bay Credit Union CD rates are 4.11% APY for a 10 month CD, 3.50% APY for a 12 month CD, 4.44% APY for a 14 month CD, 4.40% APY for a 17 month CD, 4.00% APY for an 18 month CD, 4.25% APY for a 2 year CD and 3.35% 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 Mass Bay Credit Union for its full lineup.

Q: What is the lowest personal loan rate at Mass Bay Credit Union?

The lowest Mass Bay Credit Union personal loan rate is its Vacation/Holiday Personal Loan at 7.49% APR, verified by MonitorBankRates as of October 30, 2026.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Mass Bay Credit Union's CDs - 14 month rates are at 4.44%, CDs - 17 month rates are at 4.40%, CDs - 24 month rates are at 4.25%, CDs - 10 month rates are at 4.11%, CDs - 18 month rates are at 4.00%. Mass Bay Credit Union's money market rates are at 0.80%. Mass Bay Credit Union's checking rates are as high as 0.03%. Mass Bay Credit Union's 10 & Done - 10 Year Fixed Home Loan rates are at 6.75%. Mass Bay Credit Union's Personal Loan Rates are as low as 7.49%. Mass Bay Credit Union's Credit Card Rates are at 9.49%. Mass Bay Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A health rating. 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 10/30/2026.

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 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

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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.

Mass Bay Credit Union CD Rates

Product	Rate	APY	Term
Certificates - 14 month	-	4.44%	14 Months
Min Deposit $500 Min Balance $500 Details Limited time offer; at least 50% of funds deposited must be new money; Certificates may be subject to penalty for early withdrawal; $250,000 maximum deposit per Member Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 4.44% ▲ 1.44 pts · high 4.44% / low 3.00% Oct 19, 20264.44%▲ from 4.30% 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	-	4.44%	14 Months
Min Deposit $500 Min Balance $500 Details Limited time offer; to qualify, at least 50% of funds deposited by members must be new money (funds not currently on deposit with Mass Bay Credit Union); Minimum Average Daily Balance To Earn APY: $500; Maximum deposit $250,000 per member; Certificates may be subject to penalty for early withdrawal Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 4.44% ▲ 1.44 pts · high 4.44% / low 3.00% Oct 19, 20264.44%▲ from 4.30% 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 - 17 month	-	4.40%	17 Months
Min Deposit $500 Min Balance $500 Details Certificates may be subject to penalty for early withdrawal; $250,000 maximum deposit per Member Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 4.40% ▲ 1.40 pts · high 4.40% / low 3.00% Oct 19, 20264.40%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
IRA Certificate - 17 month	-	4.40%	17 Months
Min Deposit $500 Min Balance $500 Details Minimum Average Daily Balance To Earn APY: $500; Maximum deposit $250,000 per member; Certificates may be subject to penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 4.40% ▲ 1.40 pts · high 4.40% / low 3.00% Oct 19, 20264.40%▲ 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 Certificates may be subject to penalty for early withdrawal; $250,000 maximum deposit per Member Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 12 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 Minimum Average Daily Balance To Earn APY: $500; Maximum deposit $250,000 per member; Certificates may be subject to penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 11 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 Certificates may be subject to penalty for early withdrawal; $250,000 maximum deposit per Member Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.11% APY · checked 12 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 Minimum Average Daily Balance To Earn APY: $500; Maximum deposit $250,000 per member; Certificates may be subject to penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.11% APY · checked 11 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 Certificates may be subject to penalty for early withdrawal; $250,000 maximum deposit per Member Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 12 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 Minimum Average Daily Balance To Earn APY: $500; Maximum deposit $250,000 per member; Certificates may be subject to penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 11 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 Certificates may be subject to penalty for early withdrawal; $250,000 maximum deposit per Member Last Updated 10/30/2026 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: 6.39%
IRA Certificate - 6 month	-	3.75%	6 Months
Min Deposit $500 Min Balance $500 Details Minimum Average Daily Balance To Earn APY: $500; Maximum deposit $250,000 per member; Certificates may be subject to penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 11 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 Certificates may be subject to penalty for early withdrawal; $250,000 maximum deposit per Member Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 12 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 Minimum Average Daily Balance To Earn APY: $500; Maximum deposit $250,000 per member; Certificates may be subject to penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 11 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 Certificates may be subject to penalty for early withdrawal; $250,000 maximum deposit per Member Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 12 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 Minimum Average Daily Balance To Earn APY: $500; Maximum deposit $250,000 per member; Certificates may be subject to penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 11 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 Certificates may be subject to penalty for early withdrawal; $250,000 maximum deposit per Member Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 12 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 Minimum Average Daily Balance To Earn APY: $500; Maximum deposit $250,000 per member; Certificates may be subject to penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 11 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 Certificates may be subject to penalty for early withdrawal; $250,000 maximum deposit per Member Last Updated 10/30/2026 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: 6.39%
Certificates - 48 month	-	3.00%	48 Months
Min Deposit $500 Min Balance $500 Details Certificates may be subject to penalty for early withdrawal; $250,000 maximum deposit per Member Last Updated 10/30/2026 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: 6.39%
IRA Certificate - 16 month	-	3.00%	16 Months
Min Deposit $500 Min Balance $500 Details Minimum Average Daily Balance To Earn APY: $500; Maximum deposit $250,000 per member; Certificates may be subject to penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 11 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 Minimum Average Daily Balance To Earn APY: $500; Maximum deposit $250,000 per member; Certificates may be subject to penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 11 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 Certificates may be subject to penalty for early withdrawal; $250,000 maximum deposit per Member Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 12 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 Minimum Average Daily Balance To Earn APY: $500; Maximum deposit $250,000 per member; Certificates may be subject to penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 11 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 Certificates may be subject to penalty for early withdrawal; $250,000 maximum deposit per Member Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 12 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 Minimum Average Daily Balance To Earn APY: $500; Maximum deposit $250,000 per member; Certificates may be subject to penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Mass Bay Credit Union Savings Rates

Product	Rate	APY
I.R.A Share	-	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - Above Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Christmas Club	-	0.05%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Vacation Club	-	0.05%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 10 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Mass Bay Credit Union Business Savings Rates

Product	Rate	APY
Business Share	-	0.10%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - Above Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Business Share	-	0.03%
Min Deposit $25 Min Balance $25 Details Balance: $25 - $499.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 10 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 10 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 10 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 10 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 10 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 10 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 10 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 11 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; Based on $100,000 loan; Payment per $1,000 borrowed: $11.48; Owner occupied condos and single-family primary residences only; Maximum loan amount $300,000; Maximum LTV 80% up to $200,000, 70% over $200,000 up to $300,000; $1,499 closing costs apply; Payment excludes taxes, insurance, and HOA fees Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.09% APR · checked 5 times 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
Fixed Rate Home Equity Loan - 10 Year Fixed Rate	6.75%	0	6.75%	10 years
Details Payment per $1,000: $11.48; Payments do not include taxes and insurance; Rates based on annual percentage rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Fixed Rate Home Equity Loan - 5 Year Fixed Rate	6.75%	0	6.75%	5 years
Details Payment per $1,000: $19.68; Payments do not include taxes and insurance; Rates based on annual percentage rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Fixed Rate Home Equity Loan - 15 Year Fixed Rate	7.125%	0	7.125%	15 years
Details Payment per $1,000: $9.06; Payments do not include taxes and insurance; Rates based on annual percentage rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.13% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Fixed Rate Home Equity Loan - 20 Year Fixed Rate	7.25%	0	7.25%	20 years
Details Payment per $1,000: $7.90; Payments do not include taxes and insurance; Rates based on annual percentage rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.25% APR · checked 3 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 < 25K miles	-	-	4.49%	48 months
Details Car Type: New < 25K miles; APR includes .25% discount for automatic payments; 4.74% APR without automatic payments Last Updated 10/30/2026 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: 6.39%
5 Year Auto Loan - New < 25K miles	-	-	4.49%	60 months
Details New vehicle with less than 25K miles; APR includes .25% discount for automatic payments Last Updated 10/30/2026 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: 6.39%
6 Year Auto Loan - New < 25K miles	-	-	4.74%	72 months
Details Car Type: New < 25K miles; APR includes .25% discount for automatic payments Last Updated 10/30/2026 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: 6.39%
4 Year Auto Loan - Used > 25K miles	-	-	4.99%	48 months
Details Car Type: Used > 25K miles; APR includes .25% discount for automatic payments; 5.24% APR without automatic payments Last Updated 10/30/2026 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: 6.39%
5 Year Auto Loan - Used > 25K miles	-	-	4.99%	60 months
Details Used vehicle with more than 25K miles; APR includes .25% discount for automatic payments Last Updated 10/30/2026 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: 6.39%
6 Year Auto Loan - Used > 25K miles	-	-	5.24%	72 months
Details Car Type: Used > 25K miles; APR includes .25% discount for automatic payments Last Updated 10/30/2026 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: 6.39%
4 Year Auto Loan - 2019 or older	-	-	9.49%	48 months
Details Car Type: 2019 or older; APR includes .25% discount for automatic payments; 9.74% APR without automatic payments Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
4 Year Auto Loan - Used (2019 or older)	-	-	9.49%	48 months
Details Payment per $1,000 borrowed: $25.12; 9.74% APR without automatic payments; Used car models from 2019 or older Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
5 Year Auto Loan - 2019 or older	-	-	9.99%	60 months
Details Used vehicle, 2019 or older model year; APR includes .25% discount for automatic payments Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.99% APR · checked 5 times 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; As Low As; Rates shown are lowest rate; Payment per $1,000: $25.12; Qualification restrictions apply Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 9.49% APR · checked 7 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 As Low As; Rates shown are lowest rate; Payment per $1,000: $58.91; Qualification restrictions apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Lifestyle Personal Loan	8.99%	30 months
Details As Low As; Rates shown are lowest rate; Payment per $1,000: $37.34; Qualification restrictions apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Personal Unsecured Loan	9.49%	48 months
Details As Low As; Rates shown are lowest rate; Payment per $1,000: $25.12; Qualification restrictions apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 11 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

2026 MBR Health & Safety Badge

Mass Bay Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Mass Bay Credit Union

Does Mass Bay Credit Union offer CDs?

Yes. Mass Bay Credit Union current CD rates include its CDs - 14 month at 4.44% APY, its CDs - 17 month at 4.40% APY and its CDs - 24 month at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Mass Bay Credit Union NCUA insured?

Yes. Mass Bay 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 Mass Bay Credit Union?

The highest Mass Bay Credit Union CD rate is its CDs - 14 month at 4.44% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Mass Bay Credit Union offer?

Mass Bay Credit Union CD rates are 4.11% APY for a 10 month CD, 3.50% APY for a 12 month CD, 4.44% APY for a 14 month CD, 4.40% APY for a 17 month CD, 4.00% APY for an 18 month CD, 4.25% APY for a 2 year CD and 3.35% 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 Mass Bay Credit Union for its full lineup.

What is the highest money market rate at Mass Bay Credit Union?

The highest Mass Bay Credit Union money market rate is its Money Market at 0.80% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Mass Bay Credit Union?

The highest Mass Bay Credit Union checking rate is its NOW Checking at 0.03% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest mortgage rate at Mass Bay Credit Union?

The lowest Mass Bay Credit Union mortgage rate is its 10 & Done - 10 Year Fixed Home Loan at 6.75%, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Mass Bay Credit Union?

The lowest Mass Bay Credit Union auto loan rate is its 4 Year Auto Loan - New < 25K miles at 4.49% APR, verified by MonitorBankRates as of October 30, 2026. Mass Bay Credit Union auto loan rates are 4.49% APR for a 48 month auto loan, 4.49% APR for a 60 month auto loan and 4.74% APR for a 72 month auto loan.

What is the lowest personal loan rate at Mass Bay Credit Union?

The lowest Mass Bay Credit Union personal loan rate is its Vacation/Holiday Personal Loan at 7.49% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Mass Bay Credit Union?

The lowest Mass Bay Credit Union credit card APR is its Credit Card Rewrite at 9.49% APR, verified by MonitorBankRates as of October 30, 2026.

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.

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 Mass Bay Credit Union rates compare?

Mass Bay Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A health rating. Mass Bay Credit Union's top rates are its CDs - 14 month at 4.44% APY, its Money Market at 0.80% APY, its NOW Checking at 0.03% APY, its 10 & Done - 10 Year Fixed Home Loan at 6.75%, its Vacation/Holiday Personal Loan at 7.49% APR and its Credit Card Rewrite at 9.49% APR, verified by MonitorBankRates on October 30, 2026.

Current Mass Bay Credit Union Rates

12-Month CD3.50%
18-Month CD4.00%
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 November 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 Business 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

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

Does Mass Bay Credit Union offer CDs?

Are CDs from Mass Bay Credit Union NCUA insured?

What is the highest CD rate at Mass Bay Credit Union?

What CD terms does Mass Bay Credit Union offer?

What is the highest money market rate at Mass Bay Credit Union?

What is the highest checking rate at Mass Bay Credit Union?

What is the lowest mortgage rate at Mass Bay Credit Union?

What is the lowest auto loan rate at Mass Bay Credit Union?

What is the lowest personal loan rate at Mass Bay Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Mass Bay Credit Union rates compare?

Current Mass Bay Credit Union Rates

Compare to Other Credit Unions