What are the current interest rates at BrightBridge Credit Union?

Current rates for BrightBridge Credit Union include: 12-Month CD: 3.35%, 18-Month CD: 3.25%, 24-Month CD: 2.00%, 60-Month CD: 0.90%, Savings: 2.85%, MMA: 3.40%

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BrightBridge Credit Union

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BrightBridge Credit Union Rates & Review October 2026

Q: Is a member application needed to join BrightBridge Credit Union?

Yes, to access services at BrightBridge 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, BrightBridge 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 and Verified: October 10, 2026

BrightBridge Credit Union's top rates as of October 10, 2026 are 4.00% APY on its 10 Month CD Account, 2.85% APY on savings, 3.40% APY on money market accounts, 0.05% APY on checking, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other BrightBridge Credit Union CD rates include 3 Month CD Account at 3.65%, 6 Month CD Account at 3.65%, and 3 Month CD Account at 3.55%. MonitorBankRates evaluates the financial stability of BrightBridge Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.49%. Rates last updated and verified on 10/10/2026.

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

Verified Healthy Q2 2026 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

5.49%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

BrightBridge Credit Union
BrightBridge Corporate Office

500 Merrimack St
Lawrence, MA 01843

https://www.mvcu.com

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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.

BrightBridge Credit Union CD Rates

Product	Rate	APY	Term
10 Month Certificate Account	3.93%	4.00%	10 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
3 Month Certificate Account	3.59%	3.65%	3 Month Premium
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
6 Month Certificate Account	3.59%	3.65%	6 Month Premium
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
3 Month Certificate Account	3.49%	3.55%	3 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
5 Month Certificate Account	3.49%	3.55%	5 Month
Min Deposit $250 Details Term: 5 Month (Non-IRA certificates only); Non-IRA certificates only Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
6 Month Certificate Account	3.49%	3.55%	6 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
9 Month Certificate Account	3.49%	3.55%	9 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
12 Month Certificate Account	3.40%	3.45%	12 Month Premium
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
12 Month Certificate Account	3.30%	3.35%	12 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
18 Month Certificate Account	3.30%	3.35%	18 Month Premium
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
18 Month Certificate Account	3.20%	3.25%	18 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
24 Month Certificate Account	2.08%	2.10%	24 Month Premium
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
24 Month Certificate Account	1.98%	2.00%	24 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
36 Month Certificate Account	1.14%	1.15%	36 Month Premium
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
36 Month Certificate Account	1.05%	1.05%	36 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
60 Month Certificate Account	1.00%	1.00%	60 Month Premium
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
48 Month Certificate Account	0.95%	0.95%	48 Month Premium
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
60 Month Certificate Account	0.90%	0.90%	60 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
48 Month Certificate Account	0.85%	0.85%	48 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

BrightBridge Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	2.81%	2.85%
Min Deposit $10,000 Min Balance $50,000 Details High Yield Savings; Balance: $50,000 and above Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
High Yield Savings	1.98%	2.00%
Min Deposit $10,000 Min Balance $0 Details High Yield Savings; Balance: $0.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Back to School Club	0.20%	0.20%
Min Deposit $5 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Holiday Club	0.20%	0.20%
Min Deposit $5 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Vacation Club	0.20%	0.20%
Min Deposit $5 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Premium Savings	0.15%	0.15%
Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
IRA Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Membership Savings (Main Share)	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Savings (Share Savings)	0.10%	0.10%
Min Deposit $5 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

BrightBridge Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Main Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Details Balance: $0.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

BrightBridge Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	3.35%	3.40%
Min Deposit $25 Min Balance $1,000,000 Details Balance: $1,000,000+; The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market Accounts	1.49%	1.50%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000-$999,999.99; The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market Accounts	1.00%	1.00%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000-$249,999.99; The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market Accounts	0.75%	0.75%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000-$99,999.99; The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market Accounts	0.50%	0.50%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000-$49,999.99; The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market Accounts	0.25%	0.25%
Min Deposit $25 Min Balance $0 Details Balance: $0.00-$2,499.99; The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market Accounts	0.25%	0.25%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500-$24,999.99; The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

BrightBridge Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	3.35%	3.40%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Business Money Market	1.49%	1.50%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Business Money Market	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Business Money Market	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Business Money Market	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Business Money Market	0.25%	0.25%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Business Money Market	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

BrightBridge Credit Union Checking Rates

Product	Rate	APY
Interest Checking	0.05%	0.05%
Min Balance $5,000 Details Balance: Over $5,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Interest Checking	0.02%	0.02%
Min Balance $0 Details Balance: $0 - $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

BrightBridge Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans up to 90% LTV Fixed Rate - Up to 5 Years	6.75%	-	6.75%	Up to 5 Years
Details Max LTV: 80%; Max Loan Amount: $250,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Home Equity Lines of Credit (HELOC) - Adjustable Rate	7.00%	-	7.00%
Details 80% LTV; Intro Rate: 7.000%; Max LTV: 80%; Margin: 0.00%; Index: 7.00%; Minimum Home Equity amount is $10,000. Maximum interest rate for Home Equity Lines of Credit is 18.00%. The maximum annual percentage rate that can apply is 18%. The interest rate is based on the Wall Street Journal Prime Rate and may vary monthly. An early termination fee of $300 will apply if closed within the first 36 months. Must meet eligibility guidelines. APR may change without notice. Estimated fees to open a Home Equity Line of Credit are typically $0. If required: third-party fees may include appraisal, trust review, recording, title, or other applicable settlement-related fees. An early termination fee of $300 applies if the line is closed within the first 36 months. Fees from $0 to $1,250. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Home Equity Loans up to 90% LTV Fixed Rate - 10 Years	7.25%	-	7.25%	10 Years
Details Max LTV: 80%; Max Loan Amount: $250,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Home Equity Loans up to 90% LTV Fixed Rate - 15 Years	7.50%	-	7.50%	15 Years
Details Max LTV: 80%; Max Loan Amount: $250,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Home Equity Loans up to 90% LTV Fixed Rate - 20 Years	7.75%	-	7.75%	20 Years
Details Max LTV: 80%; Max Loan Amount: $250,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Home Equity Loans up to 90% LTV Fixed Rate - Up to 5 Years	7.75%	-	7.75%	Up to 5 Years
Details Max LTV: 90%; Max Loan Amount: $250,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Home Equity Lines of Credit (HELOC) - Adjustable Rate	8.00%	-	8.00%
Details 90% LTV; Intro Rate: 8.000%; Max LTV: 90%; Margin: 1.00%; Index: 7.00%; Minimum Home Equity amount is $10,000. Maximum interest rate for Home Equity Lines of Credit is 18.00%. The maximum annual percentage rate that can apply is 18%. The interest rate is based on the Wall Street Journal Prime Rate and may vary monthly. An early termination fee of $300 will apply if closed within the first 36 months. Must meet eligibility guidelines. APR may change without notice. Estimated fees to open a Home Equity Line of Credit are typically $0. If required: third-party fees may include appraisal, trust review, recording, title, or other applicable settlement-related fees. An early termination fee of $300 applies if the line is closed within the first 36 months. Fees from $0 to $1,250. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Sep 18, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Home Equity Loans up to 90% LTV Fixed Rate - 10 Years	8.25%	-	8.25%	10 Years
Details Max LTV: 90%; Max Loan Amount: $250,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Home Equity Loans up to 90% LTV Fixed Rate - 15 Years	8.50%	-	8.50%	15 Years
Details Max LTV: 90%; Max Loan Amount: $250,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

BrightBridge Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - Model Years 2026 - 2021	-	-	4.74%	Up to 36 months
Details As Low As; To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less. Cost per thousand is calculated using the highest term in the range. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Auto Loan - Model Years 2026 - 2021	-	-	4.99%	37 to 48 months
Details As Low As; To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less. Cost per thousand is calculated using the highest term in the range. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Auto Loan - Model Years 2026 - 2021	-	-	4.99%	49 to 66 months
Details As Low As; To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less. Cost per thousand is calculated using the highest term in the range. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Auto Loan - Model Years 2026 - 2021	-	-	5.49%	67 to 75 months
Details As Low As; To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less. Cost per thousand is calculated using the highest term in the range. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Auto Loan - Model Years 2026 - 2021	-	-	5.49%	76 to 87 months
Details As Low As; To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less. Cost per thousand is calculated using the highest term in the range. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
New Leisure Vehicles (ATVs, Jet Skis, Snowmobiles, etc.) Loan	-	-	8.84%	66 months
Details Model Year 2024 or newer with a maximum loan to value (LTV) of 95% or less and less than 10,001 miles. All Product offerings are subject to individual applicant credit worthiness. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 8.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Used Leisure Vehicles (ATVs, Jet Skis, Snowmobiles, etc.) Loan	-	-	9.84%	66 months
Details Model Year 2024 or older with a maximum loan to value (LTV) of 95% or less and more than 10,000 miles. All Product offerings are subject to individual applicant credit worthiness. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 9.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

BrightBridge Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boats and RV Loans	-	8.84%	66 months
Details As Low As; Advertised rate(s) available on New Recreational Vehicle Loans of Model Year 2024 or newer with a maximum loan to value (LTV) of 95% or less and less than 10001 miles. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.84% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Used Boats and RV Loans	-	9.84%	66 months
Details As Low As; Advertised rate(s) available on Used Recreational Vehicle Loans of Model Year 2024 or older with a maximum loan to value (LTV) of 95% or less and more than 10000 miles. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.84% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

BrightBridge Credit Union Personal Loan Rates

Product	APR	Term
Peace of Mind Unsecured Loan	9.99%
Details As Low As; Loan Term in Months:; Payment per $1,000: $19.94 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Personal Unsecured Loans	10.99%
Details As Low As; Loan Term in Months:; Payment per $1,000: $20.36 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Smart Choice Unsecured Loan	10.99%	up to 60 months
Details As Low As; Payment per $1,000: $21.84 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

BrightBridge Credit Union Other Rates

Product	Rate	Points	APY/APR
BridgeBuilder	3.25%	-	3.30%
Min Deposit $5,000 Min Balance $0 Details BridgeBuilder (available for funds not currently held in a BrightBridge Credit Union account); Balance: $0.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Kasasa Cash (High Interest Checking)	1.98%	-	2.00%
Min Deposit $25 Min Balance $10,000 Details Balance: Up to but not exceeding $10,000; Qualifications Required: 12 debit card point of sales purchases that post and settle your account; one automatic payment, direct deposit, or online bill payment post and settle your account; be enrolled to receive e-statements; APY* 2.00% - 0.20%; (if qualifications are not met) Interest Rate 0.02%; APY* 0.02% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Kasasa Saver Savings	1.00%	-	1.00%
Min Deposit $5 Min Balance $25,000 Details Balance: Up to but not exceeding $25,000; Qualifications Required: 12 debit card point-of-sale purchases posted and settled; at least one automatic payment, direct deposit, or online bill payment posted and settled; enrollment in e-statements; Balance: Up to but not exceeding $25,000 (if qualifications are met); Age: N/A Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Passbook	0.10%	-	0.10%
Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

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

BrightBridge Credit Union’s Texas Ratio rose from 2.95% in Q3 2023 to 5.49% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$2.4B	5.49%	5.0	A+
March 31, 2026	$2.4B	4.40%	5.0	A+
December 31, 2025	$2.2B	3.32%	5.0	A+
September 30, 2025	$2.2B	4.16%	5.0	A+
June 30, 2025	$2.2B	3.81%	5.0	A+
March 31, 2025	$2.2B	3.23%	5.0	A+
December 31, 2024	$2.2B	4.61%	5.0	A+
September 30, 2024	$2.2B	4.10%	5.0	A+
June 30, 2024	$2.2B	4.78%	5.0	A+
March 31, 2024	$2.3B	3.06%	5.0	A+
December 31, 2023	$2.3B	3.15%	5.0	A+
September 30, 2023	$2.3B	2.95%	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 BrightBridge 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 BrightBridge 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 BrightBridge Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name BrightBridge Credit Union

Website https://www.mvcu.com

Address 500 Merrimack St, Lawrence, MA 01843

Phone 978-975-4095

Fax 978-685-3297

President Domenic Mazzocco

CEO John Howard

Full-Time Employees 329

Part-Time Employees 8

Branch Locations 31

ATM Locations 25

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

5.49%

Return on Assets (ROA)

0.2766%

Return on Equity (ROE)

2.6202%

Non-Performing Loans Ratio (NPL)

0.82%

Total Assets

2,364,331,977

Total Amount of Shares and Deposits

2,082,318,353

Total Shares and Deposits < 1 Year

2,044,746,975

Total Shares and Deposits 1 3 Years

35,116,470

Total Shares and Deposits > 3 Years

2,454,910

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

123,577,938

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

123,577,938

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

1,958,740,415

Total Interest Expense (Sum of items 6 8)

18,385,392

Share Certificates

10,871

Number of Accounts for Share Drafts

71,692

IRA KEOGH Accounts

5,735

Number of Accounts for Regular Shares

152,804

All other shares

427

Non Member Deposits

Money Market Shares

1,321

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)

110,668,260

Total Liabilities

2,136,885,602

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

BrightBridge Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About BrightBridge Credit Union

How many branches does BrightBridge Credit Union operate?

BrightBridge 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 BrightBridge Credit Union?

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

Does BrightBridge Credit Union offer online and mobile banking?

Most modern institutions like BrightBridge 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.mvcu.com.

Current BrightBridge Credit Union Rates

12-Month CD3.35%
18-Month CD3.25%
24-Month CD2.00%
60-Month CD0.90%
Savings2.85%
MMA3.40%

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

Compare to Other Credit Unions

BrightBridge Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

BrightBridge Credit Union Texas Ratio

BrightBridge Credit Union Health Trend

BrightBridge Credit Union CD Rates

BrightBridge Credit Union Savings Rates

BrightBridge Credit Union Business Savings Rates

BrightBridge Credit Union Money Market Rates

BrightBridge Credit Union Business Money Market Rates

BrightBridge Credit Union Checking Rates

BrightBridge Credit Union Home Equity & HELOC

BrightBridge Credit Union Auto Loan Rates

BrightBridge Credit Union RV, Boat and Powersport Loan Rates

BrightBridge Credit Union Personal Loan Rates

BrightBridge Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

BrightBridge Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About BrightBridge Credit Union

How many branches does BrightBridge Credit Union operate?

Is a member application needed to join BrightBridge Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does BrightBridge Credit Union offer online and mobile banking?

Current BrightBridge Credit Union Rates

Compare to Other Credit Unions