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Mass Institute of Tech Credit Union

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Mass Institute of Tech Credit Union Rates & Review November 2026

Q: What are the current interest rates at Mass Institute of Tech Credit Union?

Current rates for Mass Institute of Tech Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 3.60%, 24-Month CD: 3.75%, 60-Month CD: 3.00%, Savings: 5.00%, MMA: 3.25%

Q: What CD terms does Mass Institute of Tech Credit Union offer?

Mass Institute of Tech Credit Union CD rates are 4.15% APY for a 10 month CD, 3.80% APY for a 12 month CD, 4.00% APY for a 15 month CD, 3.60% APY for an 18 month CD, 3.75% APY for a 2 year CD, 3.75% APY for a 3 year CD and 3.00% 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 Institute of Tech Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Mass Institute of Tech Credit Union's CD 10 month rates are at 4.15%, CD 15 month rates are at 4.00%, CD 12 month rates are at 3.80%, CD 24 month rates are at 3.75%, CD 36 month rates are at 3.75%. Mass Institute of Tech Credit Union's savings rates are at 5.00%. Mass Institute of Tech Credit Union's money market rates are at 3.25%. Mass Institute of Tech Credit Union's checking rates are as high as 0.05%. Mass Institute of Tech Credit Union's Personal Loan Rates are as low as 8.50%. Mass Institute of Tech Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Mass Institute of Tech Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.05%. Rates last updated and verified on 10/30/2026.

Mass Institute of Tech 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 Institute of Tech Credit Union? Share your experience about Mass Institute of Tech Credit Union by leaving a review below, or read customer reviews before you decide to use Mass Institute of Tech Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.05%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Mass Institute of Tech Credit Union
Main Office

70 Westview St
Lexington, MA 02421-3142

http://www.mitfcu.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 Institute of Tech Credit Union CD Rates

Product	Rate	APY	Term
Certificate 10 month	4.06%	4.15%	10 months
Min Deposit $500 Details New Money Only: No; May be used for Traditional and Roth accounts: No Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75% Oct 26, 20264.15%▲ from 3.75% Sep 22, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Certificate 15 month	3.92%	4.00%	15 months
Min Deposit $500 Details New Money Only: No; May be used for Traditional and Roth accounts: No Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Certificate 12 month	3.73%	3.80%	12 months
Min Deposit $500 Details New Money Only: No; May be used for Traditional and Roth accounts: Yes Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.80% ▲ 0.55 pts · high 3.80% / low 3.25% Oct 26, 20263.80%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Certificate 24 month	3.68%	3.75%	24 months
Min Deposit $500 Details New Money Only: No; May be used for Traditional and Roth accounts: Yes Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00% Oct 19, 20263.75%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Certificate 36 month	3.68%	3.75%	36 months
Min Deposit $500 Details New Money Only: No; May be used for Traditional and Roth accounts: Yes Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 2.75% → 3.75% ▲ 1.00 pts · high 3.75% / low 2.75% Oct 19, 20263.75%▲ from 3.00% Sep 18, 20263.00%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Certificate 9 month	3.68%	3.75%	9 months
Min Deposit $500 Details New Money Only: No; May be used for Traditional and Roth accounts: Yes Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25% Oct 26, 20263.75%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Certificate 18 month	3.54%	3.60%	18 months
Min Deposit $500 Details New Money Only: No; May be used for Traditional and Roth accounts: Yes Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Certificate 6 month	3.34%	3.40%	6 months
Min Deposit $500 Details New Money Only: No; May be used for Traditional and Roth accounts: Yes Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Certificate 48 month	3.08%	3.125%	48 months
Min Deposit $500 Details New Money Only: No; May be used for Traditional and Roth accounts: Yes Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.13% ▲ 0.38 pts · high 3.13% / low 2.75% Sep 18, 20263.13%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Certificate 3 month High Yield	3.05%	3.10%	3 months
Min Deposit $500 Details New Money Only: No; May be used for Traditional and Roth accounts: No Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Certificate 60 month	2.96%	3.00%	60 months
Min Deposit $500 Details New Money Only: No; May be used for Traditional and Roth accounts: Yes Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Sep 18, 20263.00%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%

Mass Institute of Tech Credit Union Savings Rates

Product	Rate	APY
Starter Savings	4.88%	5.00%
Details Balance: Up to and including the first $2,000.00 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
High Yield Savings	2.96%	3.00%
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 3.00% ▲ 0.10 pts · high 3.00% / low 2.90% Oct 10, 20263.00%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Holiday Savings	0.05%	0.05%
Min Balance $0 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: 8.05%
IRA Share (Traditional & Roth)	0.05%	0.05%
Min Balance $100 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: 8.05%
Savings	0.05%	0.05%
Min Balance $100 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: 8.05%
Vacation Club	0.05%	0.05%
Min Balance $0 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: 8.05%

Mass Institute of Tech Credit Union Money Market Rates

Product	Rate	APY
High Yield Money Market	3.20%	3.25%
Min Balance $10,000 Details Minimum Daily Balance to Earn: $10,000.00; New Money Only: Yes Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Money Market	0.40%	0.40%
Min Balance $500,000 Details Balance: $500,000.00+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Money Market	0.35%	0.35%
Min Balance $250,000 Details Balance: $250,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Money Market	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Money Market	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Money Market	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Money Market	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 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: 8.05%
High Yield Money Market	0.05%	0.05%
Min Balance $500 Details Minimum Daily Balance to Earn: $500.00; New Money Only: Yes 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: 8.05%

Mass Institute of Tech Credit Union Checking Rates

Product	Rate	APY	View More
Plus Checking	0.05%	0.05%
Min Balance $2,500 Details Minimum daily balance to earn; Effective Date: Monday, October 19th, 2026 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: 8.05%

Mass Institute of Tech Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	6.50%	5 Years
Details Loan to Value Ratio: 80%; Credit Score: 800+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Home Equity Loans	-	-	6.75%	10 Years
Details Loan to Value Ratio: 80%; Credit Score: 800+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Home Equity Loans	-	-	6.75%	5 Years
Details Loan to Value Ratio: 90%; Credit Score: 800+ Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Sep 18, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Home Equity Line - 5 Year Draw Period	-	-	7.00%	10 years
Details Draw Period: 5 Year Draw Period; Repayment Period: 10 years; Loan to Value Ratio: 80%; Credit Score: 800+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Home Equity Loans	-	-	7.00%	15 Years
Details Loan to Value Ratio: 80%; Credit Score: 800+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Home Equity Loans	-	-	7.00%	10 Years
Details Loan to Value Ratio: 90%; Credit Score: 800+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Home Equity Line - 10 Year Draw Period	-	-	7.25%	10 years
Details Draw Period: 10 Year Draw Period; Repayment Period: 10 years; Loan to Value Ratio: 80%; Credit Score: 800+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Home Equity Line - 5 Year Draw Period	-	-	7.25%	10 years
Details Draw Period: 5 Year Draw Period; Repayment Period: 10 years; Loan to Value Ratio: 90%; Credit Score: 800+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Home Equity Loans	-	-	7.25%	20 Years
Details Loan to Value Ratio: 80%; Credit Score: 800+ Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.50% → 7.25% ▼ 0.25 pts · high 7.50% / low 7.25% Sep 18, 20267.25%▼ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Home Equity Loans	-	-	7.25%	15 Years
Details Loan to Value Ratio: 90%; Credit Score: 800+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Home Equity Line - 10 Year Draw Period	-	-	7.50%	10 years
Details Draw Period: 10 Year Draw Period; Repayment Period: 10 years; Loan to Value Ratio: 90%; Credit Score: 800+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Home Equity Loans	-	-	7.50%	20 Years
Details Loan to Value Ratio: 90%; Credit Score: 800+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%

Mass Institute of Tech Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	5.00%	60 Months
Details Effective Date: Monday, October 26th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
New Mobility Vehicle Loan	-	-	5.00%	36 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
New Mobility Vehicle Loan	-	-	5.00%	48 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
New Mobility Vehicle Loan	-	-	5.00%	60 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Used Auto	-	-	5.24%	60 Months
Details Effective Date: Monday, October 26th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Used Auto	-	-	5.38%	72 Months
Details Effective Date: Monday, October 26th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.38% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
New Auto	-	-	5.50%	72 Months
Details Effective Date: Monday, October 26th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Used Mobility Vehicle Loan	-	-	5.50%	36 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Used Mobility Vehicle Loan	-	-	5.50%	48 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Used Mobility Vehicle Loan	-	-	5.50%	60 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
New Mobility Vehicle Loan	-	-	5.75%	72 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
New Auto	-	-	6.00%	84 Months
Details Effective Date: Monday, October 26th, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.63% → 6.00% ▼ 0.63 pts · high 6.63% / low 6.00% Oct 26, 20266.00%▼ from 6.63% Sep 14, 20266.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Used Auto	-	-	6.25%	84 Months
Details Effective Date: Monday, October 26th, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.25% ▼ 0.49 pts · high 6.74% / low 6.25% Oct 26, 20266.25%▼ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Used Mobility Vehicle Loan	-	-	6.25%	72 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
New Mobility Vehicle Loan	-	-	7.00%	84 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Used Mobility Vehicle Loan	-	-	7.50%	84 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
New Mobility Vehicle Loan	-	-	8.00%	96 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Used Mobility Vehicle Loan	-	-	8.50%	96 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%

Mass Institute of Tech Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan - New Motorcycles	-	4.75%	36 Months
Details Effective Date: Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Motorcycle Loan - Used Motorcycles	-	4.75%	36 Months
Details Effective Date: Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Motorcycle Loan - New Motorcycles	-	5.00%	48 Months
Details Effective Date: Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Motorcycle Loan - Used Motorcycles	-	5.00%	48 Months
Details Effective Date: Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Motorcycle Loan - New Motorcycles	-	5.25%	60 Months
Details Effective Date: Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Motorcycle Loan - Used Motorcycles	-	5.25%	60 Months
Details Effective Date: Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Motorcycle Loan - New Motorcycles	-	5.50%	72 Months
Details Effective Date: Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Motorcycle Loan - Used Motorcycles	-	5.50%	72 Months
Details Effective Date: Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Motorcycle Loan - New Motorcycles	-	5.75%	84 Months
Details Effective Date: Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Motorcycle Loan - Used Motorcycles	-	5.75%	84 Months
Details Effective Date: Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Boat Loan - New Boats & Utility Trailers	-	7.50%	60 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Boat Loan - Used Boats & Utility Trailers	-	7.50%	60 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
RV Loan - New RV's, & Utility Trailers	-	7.50%	60 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
RV Loan - Used RV's, & Utility Trailers	-	7.50%	60 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Boat Loan - New Boats & Utility Trailers	-	7.75%	84 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Boat Loan - Used Boats & Utility Trailers	-	7.75%	84 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
RV Loan - New RV's, & Utility Trailers	-	7.75%	84 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
RV Loan - Used RV's, & Utility Trailers	-	7.75%	84 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Boat Loan - New Boats & Utility Trailers	-	8.25%	180 Months
No additional details. Last Updated 10/30/2026 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: 8.05%
Boat Loan - Used Boats & Utility Trailers	-	8.25%	180 Months
No additional details. Last Updated 10/30/2026 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: 8.05%
RV Loan - New RV's, & Utility Trailers	-	8.25%	180 Months
No additional details. Last Updated 10/30/2026 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: 8.05%
RV Loan - Used RV's, & Utility Trailers	-	8.25%	180 Months
No additional details. Last Updated 10/30/2026 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: 8.05%

Mass Institute of Tech Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan + Co-Application/Guarantor Loan	8.50%	12 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Personal Loan + Co-Application/Guarantor Loan	8.75%	24 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Personal Loan + Co-Application/Guarantor Loan	9.00%	36 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Personal Loan + Co-Application/Guarantor Loan	9.25%	48 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Personal Loan + Co-Application/Guarantor Loan	9.50%	60 Months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%

Mass Institute of Tech Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Accessibility Lifestyle Loans	-	-	8.00%	12 Months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Accessibility Lifestyle Loans	-	-	8.25%	24 Months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Accessibility Lifestyle Loans	-	-	8.50%	36 Months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Accessibility Lifestyle Loans	-	-	8.75%	48 Months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Accessibility Lifestyle Loans	-	-	9.00%	60 Months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Credit Builder Loan	-	-	9.25%	12 Months
Details Secured Loan Rates; Effective Date: Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
eBikes Loan	-	-	8.00%	36 Months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
eBikes Loan	-	-	8.75%	48 Months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
eBikes Loan	-	-	9.00%	60 Months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%
Express Loan	-	-	17.75%	12 Months
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 17.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.05%

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.
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Financial Health History

Mass Institute of Tech Credit Union’s Texas Ratio rose from 5.50% in Q3 2023 to 8.05% 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	$731M	8.05%	5.0	A
March 31, 2026	$743M	7.47%	5.0	A
December 31, 2025	$743M	7.89%	5.0	A
September 30, 2025	$729M	7.09%	5.0	A
June 30, 2025	$708M	5.32%	5.0	A+
March 31, 2025	$721M	5.27%	5.0	A+
December 31, 2024	$722M	6.19%	5.0	A
September 30, 2024	$706M	7.04%	5.0	A
June 30, 2024	$706M	6.95%	5.0	A
March 31, 2024	$732M	5.79%	5.0	A+
December 31, 2023	$727M	7.35%	5.0	A
September 30, 2023	$715M	5.50%	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 Institute of Tech 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 Institute of Tech 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 Institute of Tech Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mass Institute of Tech Credit Union

Website http://www.mitfcu.org

Address 70 Westview St, Lexington, MA 02421-3142

Phone 781-423-2022

Fax 617-258-5709

President Steven Winig

CEO Rui Domingos

Full-Time Employees 96

Part-Time Employees 0

Branch Locations 4

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.05%

Return on Assets (ROA)

0.1026%

Return on Equity (ROE)

1.0363%

Non-Performing Loans Ratio (NPL)

1.09%

Total Assets

730,785,664

Total Amount of Shares and Deposits

649,397,150

Total Shares and Deposits < 1 Year

641,296,867

Total Shares and Deposits 1 3 Years

5,455,872

Total Shares and Deposits > 3 Years

2,644,411

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

81,848,004

Total Uninsured Shares and Deposits > $250K (F+J)

81,848,004

Total Insured Shares and Deposits > $250K (item 17 less item K)

567,549,146

Total Interest Expense (Sum of items 6 8)

4,157,182

Share Certificates

2,642

Number of Accounts for Share Drafts

24,726

IRA KEOGH Accounts

343

Number of Accounts for Regular Shares

38,203

Money Market Shares

6,226

Net Income (unless the amount is already included in Undivided Earnings)

749,441

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)

74,616,028

Total Liabilities

661,272,070

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Mass Institute of Tech Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Frequently Asked Questions About Mass Institute of Tech Credit Union

Does Mass Institute of Tech Credit Union offer CDs?

Yes. Mass Institute of Tech Credit Union current CD rates include its CD 10 month at 4.15% APY, its CD 15 month at 4.00% APY and its CD 12 month at 3.80% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Mass Institute of Tech Credit Union NCUA insured?

Yes. Mass Institute of Tech 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 Institute of Tech Credit Union?

The highest Mass Institute of Tech Credit Union CD rate is its CD 10 month at 4.15% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Mass Institute of Tech Credit Union offer?

Mass Institute of Tech Credit Union CD rates are 4.15% APY for a 10 month CD, 3.80% APY for a 12 month CD, 4.00% APY for a 15 month CD, 3.60% APY for an 18 month CD, 3.75% APY for a 2 year CD, 3.75% APY for a 3 year CD and 3.00% 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 Institute of Tech Credit Union for its full lineup.

What is the highest savings rate at Mass Institute of Tech Credit Union?

The highest Mass Institute of Tech Credit Union savings rate is its Starter Savings at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Mass Institute of Tech Credit Union?

The highest Mass Institute of Tech Credit Union money market rate is its High Yield Money Market at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Mass Institute of Tech Credit Union?

The highest Mass Institute of Tech Credit Union checking rate is its Plus Checking at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Mass Institute of Tech Credit Union?

The lowest Mass Institute of Tech Credit Union auto loan rate is its New Auto at 5.00% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Mass Institute of Tech Credit Union?

The lowest Mass Institute of Tech Credit Union personal loan rate is its Personal Loan + Co-Application/Guarantor Loan at 8.50% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Mass Institute of Tech Credit Union operate?

Mass Institute of Tech 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 Institute of Tech Credit Union?

Yes, to access services at Mass Institute of Tech 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 Institute of Tech 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 Institute of Tech Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Mass Institute of Tech Credit Union offer online and mobile banking?

Most modern institutions like Mass Institute of Tech 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: http://www.mitfcu.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 Institute of Tech Credit Union rates compare?

Mass Institute of Tech Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A health rating. Mass Institute of Tech Credit Union's top rates are its CD 10 month at 4.15% APY, its Starter Savings at 5.00% APY, its High Yield Money Market at 3.25% APY, its Plus Checking at 0.05% APY and its Personal Loan + Co-Application/Guarantor Loan at 8.50% APR, verified by MonitorBankRates on October 30, 2026.

Current Mass Institute of Tech Credit Union Rates

12-Month CD3.80%
18-Month CD3.60%
24-Month CD3.75%
60-Month CD3.00%
Savings5.00%
MMA3.25%

Retrieved from our database of financial products. Rates subject to change.

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Mass Institute of Tech Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Mass Institute of Tech Credit Union Texas Ratio

Mass Institute of Tech Credit Union Health Trend

Mass Institute of Tech Credit Union CD Rates

Mass Institute of Tech Credit Union Savings Rates

Mass Institute of Tech Credit Union Money Market Rates

Mass Institute of Tech Credit Union Checking Rates

Mass Institute of Tech Credit Union Home Equity & HELOC

Mass Institute of Tech Credit Union Auto Loan Rates

Mass Institute of Tech Credit Union RV, Boat and Powersport Loan Rates

Mass Institute of Tech Credit Union Personal Loan Rates

Mass Institute of Tech Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Mass Institute of Tech Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Mass Institute of Tech Credit Union

Does Mass Institute of Tech Credit Union offer CDs?

Are CDs from Mass Institute of Tech Credit Union NCUA insured?

What is the highest CD rate at Mass Institute of Tech Credit Union?

What CD terms does Mass Institute of Tech Credit Union offer?

What is the highest savings rate at Mass Institute of Tech Credit Union?

What is the highest money market rate at Mass Institute of Tech Credit Union?

What is the highest checking rate at Mass Institute of Tech Credit Union?

What is the lowest auto loan rate at Mass Institute of Tech Credit Union?

What is the lowest personal loan rate at Mass Institute of Tech Credit Union?

How many branches does Mass Institute of Tech Credit Union operate?

Is a member application needed to join Mass Institute of Tech Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Mass Institute of Tech 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 Institute of Tech Credit Union rates compare?

Current Mass Institute of Tech Credit Union Rates

Compare to Other Credit Unions