☰

Home›
Credit Unions›
Mass Bay Credit Union

iAdvertiser Disclosure

Mass Bay Credit Union Rates & Review June 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 25, 2026

You can compare Mass Bay Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.05%, 6-month share certificate rates at 3.25% and 3-month share certificate rates at 0.50%. Savings rates are at 0.25% and money market rates are at 0.55%. Mortgage rates on 30-year fixed loans are around 6.10%. All these rates can be compared to Mass Bay Credit Union rates. 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 5.58%. Rates were last updated on 06/25/2026.

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 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.58%

Excellent Lower than avg

Mass Bay Credit Union
South Boston

147 W 4th St
South Boston, MA 02127

https://www.massbaycu.org

Current Rate Availability

We do not have Mass Bay Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

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 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.58%

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

2026 MBR Health & Safety Badge

Mass Bay Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/mass-bay-credit-union-rates-review-68137">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Mass Bay Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Mass Bay Credit Union

Frequently Asked Questions About Mass Bay Credit Union

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.