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MASS INSTITUTE OF TECH Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 10, 2026
MASS INSTITUTE OF TECH's top rates as of October 10, 2026 are 4.00% APY on its 15 Month CD, 5.00% APY on savings, 3.25% APY on money market accounts, 0.05% APY on checking, and personal loans from 8.50% APR, according to rates verified by MonitorBankRates. Other MASS INSTITUTE OF TECH CD rates include 10 Month CD at 3.75%, 18 Month CD at 3.60%, and 6 Month CD at 3.40%. MonitorBankRates evaluates the financial stability of MASS INSTITUTE OF TECH with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.05%. Rates last updated and verified on 10/10/2026.
MASS INSTITUTE OF TECH 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? Share your experience about MASS INSTITUTE OF TECH by leaving a review below, or read customer reviews before you decide to use MASS INSTITUTE OF TECH.
MASS INSTITUTE OF TECH has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
MASS INSTITUTE OF TECH has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
8.05%
ExcellentHigher than avg
MASS INSTITUTE OF TECH Texas Ratio
MASS INSTITUTE OF TECH's Texas Ratio is 8.05%, which is considered excellent and is higher than the national average of 6.13%.
MASS INSTITUTE OF TECH has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.50% to 8.05% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 CD Rates
Product
Rate
APY
Term
View More
15 Month Certificate
3.92%
4.00%
15 months
Min Deposit$500
DetailsNew Money Only: No; May be used for Traditional and Roth accounts: No
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
10 Month Certificate
3.68%
3.75%
10 months
Min Deposit$500
DetailsNew Money Only: No; May be used for Traditional and Roth accounts: No
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
18 Month Certificate
3.54%
3.60%
18 months
Min Deposit$500
DetailsNew Money Only: No; May be used for Traditional and Roth accounts: Yes
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
6 Month Certificate
3.34%
3.40%
6 months
Min Deposit$500
DetailsNew Money Only: No; May be used for Traditional and Roth accounts: Yes
Last Updated10/10/2026
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: 8.05%
12 Month Certificate
3.20%
3.25%
12 months
Min Deposit$500
DetailsNew Money Only: No; May be used for Traditional and Roth accounts: Yes
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
9 Month Certificate
3.20%
3.25%
9 months
Min Deposit$500
DetailsNew Money Only: No; May be used for Traditional and Roth accounts: Yes
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
48 Month Certificate
3.08%
3.125%
48 months
Min Deposit$500
DetailsNew Money Only: No; May be used for Traditional and Roth accounts: Yes
Last Updated10/10/2026
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%
3 month High Yield
3.05%
3.10%
3 months
Min Deposit$500
DetailsNew Money Only: No; May be used for Traditional and Roth accounts: No
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
24 Month Certificate
2.96%
3.00%
24 months
Min Deposit$500
DetailsNew Money Only: No; May be used for Traditional and Roth accounts: Yes
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
36 Month Certificate
2.96%
3.00%
36 months
Min Deposit$500
DetailsNew Money Only: No; May be used for Traditional and Roth accounts: Yes
Last Updated10/10/2026
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%
60 Month Certificate
2.96%
3.00%
60 months
Min Deposit$500
DetailsNew Money Only: No; May be used for Traditional and Roth accounts: Yes
Last Updated10/10/2026
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 Savings Rates
Product
Rate
APY
View More
Starter Savings
4.88%
5.00%
Min Balance$0
DetailsBalance: Up to and including the first $2,000.00
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 5 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 Updated10/10/2026
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 Updated10/10/2026
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: 8.05%
Savings
0.05%
0.05%
Min Balance$100
Last Updated10/10/2026
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: 8.05%
Vacation Club
0.05%
0.05%
Min Balance$0
Last Updated10/10/2026
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: 8.05%
MASS INSTITUTE OF TECH Money Market Rates
Product
Rate
APY
View More
High Yield Money Market
3.20%
3.25%
Min Balance$10,000
DetailsNew Money Only: Yes
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Money Market
0.40%
0.40%
Min Balance$500,000
DetailsBalance: $500,000.00+
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Money Market
0.35%
0.35%
Min Balance$250,000
DetailsBalance: $250,000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Money Market
0.30%
0.30%
Min Balance$100,000
DetailsBalance: $100,000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Money Market
0.25%
0.25%
Min Balance$50,000
DetailsBalance: $50,000.00
Last Updated10/10/2026
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: 8.05%
Money Market
0.20%
0.20%
Min Balance$10,000
DetailsBalance: $10,000.00
Last Updated10/10/2026
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: 8.05%
Money Market
0.10%
0.10%
Min Balance$1,000
DetailsBalance: $1,000.00
Last Updated10/10/2026
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: 8.05%
High Yield Money Market
0.05%
0.05%
Min Balance$500
DetailsNew Money Only: Yes
Last Updated10/10/2026
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: 8.05%
MASS INSTITUTE OF TECH Checking Rates
Product
Rate
APY
View More
Plus Checking
0.05%
0.05%
Min Balance$2,500
Last Updated10/10/2026
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: 8.05%
MASS INSTITUTE OF TECH Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loans
-
-
6.50%
5 Years
DetailsLoan to Value Ratio: 80%; Credit Score: 800+
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Home Equity Loans
-
-
6.75%
10 Years
DetailsLoan to Value Ratio: 80%; Credit Score: 800+
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Home Equity Loans
-
-
6.75%
5 Years
DetailsLoan to Value Ratio: 90%; Credit Score: 800+
Last Updated10/10/2026
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
-
-
7.00%
5 Year
DetailsTerm: 5 Year Draw Period / 10 years; Loan to Value Ratio: 80%; Credit Score: 800+
Last Updated10/10/2026
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: 8.05%
Home Equity Loans
-
-
7.00%
15 Years
DetailsLoan to Value Ratio: 80%; Credit Score: 800+
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Home Equity Loans
-
-
7.00%
10 Years
DetailsLoan to Value Ratio: 90%; Credit Score: 800+
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Home Equity Line
-
-
7.25%
10 Year
DetailsTerm: 10 Year Draw Period / 10 years; Loan to Value Ratio: 80%; Credit Score: 800+
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Home Equity Line
-
-
7.25%
5 Year
DetailsTerm: 5 Year Draw Period / 10 years; Loan to Value Ratio: 90%; Credit Score: 800+
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75%
Sep 18, 20267.25%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Home Equity Loans
-
-
7.25%
20 Years
DetailsLoan to Value Ratio: 80%; Credit Score: 800+
Last Updated10/10/2026
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
DetailsLoan to Value Ratio: 90%; Credit Score: 800+
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 7.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Home Equity Line
-
-
7.50%
10 Year
DetailsTerm: 10 Year Draw Period / 10 years; Loan to Value Ratio: 90%; Credit Score: 800+
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25%
Sep 18, 20267.50%▲ from 7.25%
Sep 14, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Home Equity Loans
-
-
7.50%
20 Years
DetailsLoan to Value Ratio: 90%; Credit Score: 800+
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
MASS INSTITUTE OF TECH Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto
-
-
5.00%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 7 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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 6 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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 6 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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Used Auto
-
-
5.24%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Used Auto
-
-
5.38%
72 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.38% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
New Auto
-
-
5.50%
72 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 7 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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 6 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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 6 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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 6 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
New Auto
-
-
6.63%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.63% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Used Auto
-
-
6.74%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 7 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 7 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 7 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 7 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
MASS INSTITUTE OF TECH RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Motorcycles Loan
-
4.75%
36 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Used Motorcycles Loan
-
4.75%
36 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
New Motorcycles Loan
-
5.00%
48 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Used Motorcycles Loan
-
5.00%
48 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
New Motorcycles Loan
-
5.25%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Used Motorcycles Loan
-
5.25%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
New Motorcycles Loan
-
5.50%
72 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Used Motorcycles Loan
-
5.50%
72 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
New Motorcycles Loan
-
5.75%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Used Motorcycles Loan
-
5.75%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
New Boats & Utility Trailers Loan
-
7.50%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
New RV's, & Utility Trailers Loan
-
7.50%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Used Boats & Utility Trailers Loan
-
7.50%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Used RV's, & Utility Trailers Loan
-
7.50%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
New Boats & Utility Trailers Loan
-
7.75%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
New RV's, & Utility Trailers Loan
-
7.75%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Used Boats & Utility Trailers Loan
-
7.75%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Used RV's, & Utility Trailers Loan
-
7.75%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
New Boats & Utility Trailers Loan
-
8.25%
180 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
New RV's, & Utility Trailers Loan
-
8.25%
180 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Used Boats & Utility Trailers Loan
-
8.25%
180 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Used RV's, & Utility Trailers Loan
-
8.25%
180 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
MASS INSTITUTE OF TECH Personal Loan Rates
Product
APR
Term
View More
Personal Loan + Co-Application/Guarantor Loan
8.50%
12 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 7 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 7 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 7 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 7 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
MASS INSTITUTE OF TECH Other Rates
Product
Rate
Points
APY/APR
Term
View More
Accessibility Lifestyle Loans
-
-
8.00%
12 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Accessibility Lifestyle Loans
-
-
8.25%
24 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Accessibility Lifestyle Loans
-
-
8.50%
36 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Accessibility Lifestyle Loans
-
-
8.75%
48 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Accessibility Lifestyle Loans
-
-
9.00%
60 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Credit Builder Loan
-
-
9.25%
12 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
eBikes Loan
-
-
8.00%
36 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
eBikes Loan
-
-
8.75%
48 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
eBikes Loan
-
-
9.00%
60 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.05%
Express Loan
-
-
17.75%
12 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 17.75% APR · checked 7 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 Updated10/10/2026
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: 8.05%
Financial Health History
MASS INSTITUTE OF TECH’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 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 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's official website for the most current offers and terms.
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
Q2 2026 MBR Health & Safety Badge
MASS INSTITUTE OF TECH 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.
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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for MASS INSTITUTE OF TECH
Frequently Asked Questions About MASS INSTITUTE OF TECH
How many branches does MASS INSTITUTE OF TECH operate?
MASS INSTITUTE OF TECH 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?
Yes, to access services at MASS INSTITUTE OF TECH, 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 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 provides members with tools to manage their accounts and build a solid financial history.
Does MASS INSTITUTE OF TECH offer online and mobile banking?
Most modern institutions like MASS INSTITUTE OF TECH 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.
Current MASS INSTITUTE OF TECH Rates
12-Month CD3.25%
18-Month CD3.60%
24-Month CD3.00%
60-Month CD3.00%
Savings5.00%
MMA3.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
