We will be performing systems upgrades on October 24, 2026. It is possible you may experience service interruptions to online, mobile, and telephone banking.
We apologize for any inconvenience to you.
xSavings Accounts
Prepare for the future today, and create a better tomorrow.
The future can be uncertain, and building up your savings now can help you and your loved ones be covered—even when life happens or unexpected expenses pop up.
We’re dedicated to helping you reach your goals, whether they are saving for a home, pursuing education or planning your next vacation.
Enjoy full insurance on your deposits with Mass Bay Credit Union
As a member of both the National Credit Union Association (NCUA) and Massachusetts Share Insurance Corporation (MSIC), Mass Bay Credit Union offers members full insurance on deposits and interest, ensuring protection without limits or exceptions. The NCUA insures each member's deposits up to $250,000, with the MSIC providing extra coverage for deposit amounts beyond that.
The Perfect Place to Start
Benefits:
- An account that helps you begin to save
- Set up direct deposit from your paycheck
- Check balances from online banking and mobile banking
- Once you reach $500+ move your funds into a Certificate to earn higher rates and save for upcoming goals
The Next Step in Savings
Benefits:
- Great for higher balances with intermediate-term plans
- Tiered rates earn you more the more you save
- Build funds for longer term savings
- Liquid account that comes with check writing ability
- Always safe and reliable
Planning For Your Future
Benefits:
- Lock in higher rates for funds you don't need right away
- Great for adapting to rising and falling market rates
- Use long-term certificates to lock in higher interest rates
- Use “laddering” to stagger your certificate maturity dates
For Next Year's Fun
Benefits:
- Create savings for holiday shopping, future vacations, and other big expenses
- Break big purchases down into small weekly contributions
- Avoid using credit cards and paying interest
- Save a bit each paycheck while earning interest along the way
Teaching Kids How to Save
Benefits:
- Open an account for as little as $5
- Get a free gift when you sign up
- Play educational online games and activities