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On Sunday, May 19, 2024 from 8 am until 1 pm, we will be performing system maintenance.  During that time, it's possible you may not be able to deposit checks to your accounts.  We apologize for this brief interruption in service.


Certificate Special 12-month

Put Your Money to Work 

12-Month Certificate 

Get 5.15% APY* on a 12-Month Certificate

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A Certificate is a simple and secure way to plan for your future. Your money works hard at Mass Bay Credit Union!

The Benefits of a Mass Bay Credit Union Certificate

Low minimum investment

Get started with only a $500 deposit.

Great interest rate

Get 5.15% APY* on your deposit for the term.

Mass Bay Credit Union Certificates

Whether you’re saving for a child’s college tuition, planning for retirement, or just want to grow your money, a Mass Bay Credit Union Certificate is an excellent choice. 

Best For Members who want a low-risk and a high-reward
Amount Minimum $500 deposit and available up to $250,000
12-Month Rate 5.15% APY*

Get Started With a Certificate from Mass Bay Credit Union

Ready to watch your money grow?
Click the link below to speak to one of our team members or visit us at one of our convenient branch locations.


 Call to learn more:

See disclaimers, disclosures, and additional text.

*APY = Annual Percentage Yield. Minimum balance to open and earn APY is $500. Maximum deposit $250,000. The APY for all Certificates assumes the dividends will remain in the account until maturity. Withdrawal of dividends prior to maturity will reduce earnings. Certificates are subject to penalty for early withdrawal. Fees may reduce earnings. Rate is effective April 16, 2024. This is a limited time offer and is subject to change without notice. Other rates and terms available. Subject to membership eligibility, see for details.

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