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Relationship Advantage Savings Account
Earn More on Your Savings with Mass Bay Credit Union
As a valued member with a qualifying loan, you’ve unlocked our exclusive high- yield Relationship Savings Account, which offers competitive rates designed to help you grow your savings faster.
At Mass Bay Credit Union, You're More Than an Account Number, You're a Member/Owner.
We believe that strong relationships are built on trust, mutual support, and shared growth. That's why we're giving back to members who trust us with their financial goals. If you already hold a home equity line, mortgage, or auto loan balance of $50,000 or more with Mass Bay Credit Union, our new Relationship Advantage Savings Account rewards you with premium high-yield rates on your balances from $10,000 up to $2,000,000. It's our way of saying thank you for being a vital part of our credit union.
| Account Type | Minimum Balance to Open | Minimum Average Daily Balance to Earn APY | Dividend Rate | Annual Percentage Yield (APY*) |
|---|---|---|---|---|
| Relationship Advantage Savings | $10 | $10 - $2,499.99 | 0.050% | 0.05% |
| $2,500 - $9,999.99 | 0.150% | 0.15% | ||
| $10,000 - $2,000,000.00 | 3.687% | 3.75% | ||
| $2,000,000 - Above | 0.797% | 0.80% |
*APY = Annual Percentage Yield. Annual Percentage Yield (APY) is effective as of [INSERT DATE] and is subject to change without notice. Minimum balance to earn the advertised Relationship APY is $10,000, with a maximum limit of $2,000,000. Member must maintain an active mortgage, home equity, or auto loan loan balance of $50,000 or higher with Mass Bay Credit Union. If loan balance falls below $50,000, or the deposit balance drops below $10,000 or exceeds $2,000,000, the interest rate reverts to [INSERT RATE]%. Fees could reduce earnings on the account. Federally insured by the NCUA up to $250,000, with funds over $250,000 insured by MSIC.
Open Your Account Online!
Watch your savings grow with rates that boost your earnings simply by maintaining your active loan relationships with us.
Enjoy elevated APYs that outpace standard savings accounts, turning your hard-earned funds into faster financial growth.
Manage your savings 24/7 with our easy-to-use online banking and mobile app.
Instantly mve money between your Mass Bay Credit Union checking, savings, and loan acounts with just a few clicks.
Open your new account online or visit your local branch to speak with a team member in person
Your deposits are federally insured up to $250,000 by the NCUA, with funds over $250,000 insured by MSIC, so you can save with total confidence.
Frequently Asked Questions (FAQs)
Who is eligible for the Relationship Advantage Savings Account?
Any existing or new Mass Bay Credit Union member with an active, qualifying mortgage, home equity, or auto loan with a balance of $50,000 or more and a deposit balance between $10,000 and $2,000,000 is eligible.
Can non-members take advantage of this special rate?
Absolutely! New members who bring or open a qualifying loan balance of $50,000 or more to Mass Bay Credit Union can open a Relationship Advantage Savings Account and enjoy premium rates.
Can I open this account online?
Yes. You can complete the application online or stop by your local branch to work with one of our financial representatives.
How do I transfer funds into my Relationship Advantage Savings Account?
Transfers are quick and easy! You can move money instantly via the Mass Bay Credit Union Mobile App, Online Banking, or by visiting any of our convenient branch locations.