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Affording life’s smaller financial necessities often can be more challenging than managing the bigger ones. At Mass Bay, we don’t believe our Members should pay unnecessarily high rates to handle things like tuition payments, vacations, holiday spending, debt management and other expenses that are part of everyday life. So while we think you will like our broad range of financing solutions, we know you will love our rates.
Don’t like the payment you have now? Re-write it at a better rate and enjoy our flexible terms. Our Re-Write Loan gives you a low fixed-interest rate that will never increase and time to make the payments more manageable with your budget.
Because we’re your credit union, we believe you should not have to pay a high interest rate just to take a vacation or spend during the holidays. Try one of our special fixed rate vacation and holiday loans.
Borrow for almost any reason with flexible terms. Your rate and dollar limit will be determined by your credit worthiness, but you can use the proceeds any way you like. It’s our most flexible financing solution and always offers a competitive interest rate.
Pay for life's expenses. The Lifestyle Loan gives you the chance to purchase furniture, pay for a wedding, or even buy a bicycle at a great low rate. Anything your life needs!
Not sure just how much money you’re going to need? Our Open- End Loans give you the flexibility you’re looking for. Apply for a maximum amount, and then draw what you need when you need it. You will only owe payments on what you actually draw out, minimizing your interest expense.
Secure your personal loan with funds in your Mass Bay savings account or Certificate, and you’ll reduce your interest rate dramatically. Use the proceeds for any purpose.
Have you ever accidentally miscalculated your balance? It happens to everyone at some point or another. With our overdraft line of credit, your approved credit line will be there for you when you need it.
Members may qualify for a ZERO-PERCENT loan to use for the purchase of qualified energy-efficient improvements in their homes through our partnership with Mass Save®.
*Monthly Payment is $11.90 per $1,000.00 borrowed. Subject to credit approval. MassSave qualification restrictions may apply.
Eligible energy efficiency improvements may include:
To learn more about Heat Loans visit here.
The Smart Option Student Loan® for Mass Bay Credit Union by Sallie Mae®*
For borrowers attending participating degree-granting institutions
Now you may pay for college the smart way with three great repayment options and competitive interest rates.
This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.
The Smart Option Student Loan features and benefits:
*Mass Bay Credit Union is compensated by Sallie Mae for the referral of Smart Option Student Loan Customers.