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Our Main Office ATM Lobby at 147 West 4th Street in South Boston will be open during regular business hours only:  M-F 8:30-4:00, Sat 8:30-1:15.  We are sorry for any inconvenience.  Remember, our mobile app and online banking are available 24/7.  For questions, please call 617-269-2700.


30 Year Fixed

30 Year Fixed* Mortgage Rates Today

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30 Year Fixed Mortgage Refinancing

Looking to take advantage of historically low interest rates? Our 30 Year Fixed Mortgage process invites an easy opportunity to refinance your current home loan. Lowering your monthly payment may be able to provide flexibility in your budget and give you the extra breathing room you need.

A timelessly correct loan for countless borrowers, the 30 year fixed mortgage gives you the best of both worlds, a low interest rate with a predictably low monthly payment. Call us with any questions! 

Fast & Easy Application Process

Our fast application process allows you to benefit from refinancing your mortgage quickly. With our fast and easy application process you can lock in a great low rate with our 30 year fixed mortgage, or check out any of our other fixed rate loan options

*As of 1/21/2021 8:00:35 AM (ET) the current rate is 2.875% with a 2.914% Annual Percentage Rate (APR).  Rates are subject to change at any time.  The information provided assumes the purpose of the loan is to purchase or refinance a property, with a loan amount of $240,000 and an estimated property value of $300,000. The property is an existing single family home, and will be used as a primary residence. An escrow account is required. The rate lock period is 60 days and the assumed credit score is 740. At that loan amount, the monthly payment schedule would be: 359 payments of $1,244.68 at an interest rate of 2.875%, 1 payment of $1,243.12 at an interest rate of 2.875%.  Payments do not include amounts for taxes or insurance premiums, actual payment obligation will be greater.  Flood Insurance may be required.  Loans subject to credit approval.


Becoming a Member is Easy

Mass Bay Credit Union Membership is open to:

  • Anyone who lives, works or attends a school, college or university or belongs to a labor organization located within: Middlesex County, Suffolk County, Norfolk County, Abington, Brockton, Hanover, Hingham, Lynn, Marshfield, Norwell, Peabody, Rockland, Saugus, Scituate, and Whitman.
  • Employees or former employees of entities affiliated with MassDOT.
  • Employees of entities who are members of labor unions affiliated with MassDOT.
  • Employees or former employees of the Massachusetts State Police
  • Immediate Family Members of eligible members.

If you qualify as a Member, APPLY for a 30 Year Fixed Mortgage today! Our team will help you with becoming a member of Mass Bay Credit Union. 

Mass Bay CU - Convenient Locations in the Greater Boston Area

  • Mass Bay Credit Union - South Boston - Headquarters
  • Mass Bay Credit Union - Seaport Branch
  • Mass Bay Credit Union - Everett Branch
  • Mass Bay Credit Union - Quincy Branch
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