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Who we are

A community focused financial institution

Mass Bay Credit Union started in 1936 as a credit union for MBTA employees, expanding to serve the local community when we saw a need for a financial institution that put people at the forefront of its mission—a vision that still aligns with our “people helping people” approach today.

Today, we’re a full-service financial institution providing a complete range of services including checking accounts and both personal and business loans. 

We envision a credit union where people can control their finances with confidence, supported by strong education and representatives who understand and care.

Membership is open to:

  • Anyone who lives, works or attends a school, college or university or belongs to a labor organization located within Norfolk County, Suffolk County, Middlesex 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.

The Credit Union Difference

A credit union is a full service financial instituion that serves the local community and is owned by its members.  When you open up an account with us, no matter how small, you become a partial owner with the right to vote for who will lead the organization. This is also why many Credit Unions refer to their customers as “members.”

This means that Mass Bay Credit Union is owned and run by members. Mass Bay is a non-profit organization, so our net income is reinvested right back to you and our community in the form of competitive rates, lower fees, financial education, new technology, and community impact.

Nationwide Access

With Mass Bay you will get nationwide access. We offer a full line of mobile and online banking services, so you can access your money wherever, whenever.

In fact, because we’re tapping into a huge network of other credit unions, access is one of the best available. With access to over 55,000 Allpoint network surcharge free ATMs and 6,800 CO-OP Shared Branching branches, we offer more access than most national banks.

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