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'Tis the season for scammers.  MBCU will not send you a text, email, or phone call requesting user names, passwords, or other information about you or your accounts.  If you think something seems suspect, chances are it is.  Take action by calling our Member Services Department at 617-269-2700 if you would like more information.

 

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Deposit Rates

Account Type * Minimum Balance To Open Minimum Average Daily Balance to Earn APY Annual Percentage Yield (APY) **
Main Share/Misc Share
$5
$5 - $499.99
0.03%
 
 
$500 - $9,999.99
0.05%
 
 
$10,000 - Above
0.10%
 
Money Market
$10
$10 - $2,499.99
0.05%
 
 
$2,500 - $9,999.99
0.15%
 
 
$10,000 - $19,999.99
0.35%
 
 
$20,000 - $49,999.99
0.50%
    $50,000 - $99,999.99 0.60%
    $100,000 - $249,999.99 0.80%
    $250,000 - ABOVE 0.80%
 
I.R.A Share
None
$0 - $499.99
0.03%
 
 
$500 - $9,999.99
0.05%
 
 
$10,000.00 - Above
0.10%
 
NOW Checking
None $5
0.03%
 
Vacation Club
None
None
0.05%
 
Christmas Club
None
None
0.05%
 
Business Share
$25
$25 - $499.99
0.03%
 
 
$500 - $9,999.99
0.05%
 
 
$10,000 - Above
0.10%
 
 
 
 
Certificates Term * +
Minimum Balance To Open
Minimum Average Daily Balance To Earn APY
Annual Percentage Yield (APY) 
3 Months
$500
$500
0.50%
6 Months  ***
$500
$500
4.50%
10 Months  $500 $500 4.00%
12 Months ***
$500
$500
3.90%
14 Months 
$500
$500
3.00%
16 Months 
$500
$500
3.00%
17 Months 
$500
$500
3.00%
18 Months 
$500
$500
3.00%
24 Months   
$500
$500
3.00%
28 Months
$500
$500
2.65%
36 Months
$500
$500
2.65%
48 Months
$500
$500
3.00%
60 Months
$500
$500
3.35%
IRA Certificates Term * +
Minimum Balance To Open
Minimum Average Daily Balance To Earn APY
Annual Percentage Yield (APY) 
3 Months
$500
$500
0.50%
6 Months ***
$500
$500
4.50%
10 Months  $500 $500 4.00%
12 Months ***
$500
$500
3.90%
14 Months 
$500
$500
3.00%
16 Months 
$500
$500
3.00%
17 Months 
$500
$500
3.00%
18 Months
$500
$500
3.00%
24 Months 
$500
$500
3.00%
28 Months
$500
$500
2.65%
36 Months
$500
$500
2.65%
48 Months
$500
$500
3.00%
60 Months
$500
$500
3.35%

* Fees may reduce earnings.
** Rates are subject to change without notice. 
+ Certificates may be subject to penalty for early withdrawal.

*** This account type has a $250,000 maximum deposit per Member

Current Rates - Effective October 23, 2024

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