Mass Bay Credit Union
Locations in Boston:
2
What We Love...
Mass Bay Credit Union offers an interest earning checking account.
High CD rates.
Membership requirements are pretty broad.
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What We Don't...
Fees for checking and savings accounts if balance falls below a certain threshold (there are some exceptions for example if the member has direct deposit and if a member holds more than one account).
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Rates
Below are the rates we think you should know:
CD | Savings | Checking |
|---|---|---|
4.00% | 0.03% - 0.10% | 0.03% |
Rates can change at any time. Please check with each institution for current details. Last Updated: November 30, 2025
Cash Bonus?
Unknown
Abandonment Fee?
$75
Research Fee?
$25/hour plus postage
Summary
There are two locations in Boston -- one in South Boston and the other in the Seaport.
History
Mass Bay Credit Union hoped to serve MBTA employees in the 30s, but opened to the larger local community over the years.Today they serve MassDot employees, Massachusetts state police, and anyone who lives, works, goes to school, or belongs to a labor organization in certain areas including Boston.