'Tis the season to be jolly, shop 'til you drop, and spend time with family and friends. It’s also the time when many people get scammed by text, email, telephone, and especially when shopping online or in person! Don't engage with people or companies you don't know , and if someone tells you they are Mass Bay Credit Union, remember to disengage with them and call us directly at 617-269-2700 to confirm it is us.
xDeposit 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
|
4.00%
|
| 10 Months | $500 | $500 | 3.75% |
|
12 Months
|
$500
|
$500
|
3.75%
|
|
14 Months
|
$500
|
$500
|
3.00%
|
|
16 Months
|
$500
|
$500
|
3.75%
|
|
17 Months
|
$500
|
$500
|
3.00%
|
|
18 Months
|
$500
|
$500
|
3.00%
|
|
24 Months
|
$500
|
$500
|
3.65%
|
|
28 Months
|
$500
|
$500
|
2.65%
|
|
36 Months
|
$500
|
$500
|
3.45%
|
|
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
|
4.00%
|
| 10 Months | $500 | $500 | 3.75% |
|
12 Months
|
$500
|
$500
|
3.75%
|
|
14 Months
|
$500
|
$500
|
3.00%
|
|
16 Months
|
$500
|
$500
|
3.75%
|
|
17 Months
|
$500
|
$500
|
3.00%
|
|
18 Months
|
$500
|
$500
|
3.00%
|
|
24 Months
|
$500
|
$500
|
3.65%
|
|
28 Months
|
$500
|
$500
|
2.65%
|
|
36 Months
|
$500
|
$500
|
3.45%
|
|
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 7, 2025.