Beginning Saturday morning, October 17, 2026 at 6 am, we will begin paving our South Boston branch parking lot. The project will continue through Wednesday, October 21, 2026 at 11pm. Access to the parking lot during these days will be limited and members may find it difficult to find parking. Our full service branches in Everett and Quincy Center are available to use and we appreciate your patience as we make this important improvement for our members.
We will be towing unauthorized vehicles beginning Saturday morning October 17 at 5 am so the work crews can complete their work.
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Deposit Rates
| Account Type ¹ | Minimum Balance To Open | Minimum Average Daily Balance to Earn APY | Annual Percentage Yield (APY) ² |
|---|---|---|---|
|
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 ⁴
|
Minimum Balance To Open
|
Minimum Average Daily Balance To Earn APY
|
Annual Percentage Yield (APY)
|
|---|---|---|---|
|
3 Months
|
$500
|
$500
|
2.75%
|
|
6 Months
|
$500
|
$500
|
3.75%
|
| 10 Months | $500 | $500 | 4.11% |
|
12 Months
|
$500
|
$500
|
3.50%
|
|
14 Months
|
$500
|
$500
|
4.44%³
|
|
16 Months
|
$500
|
$500
|
3.00%
|
|
17 Months
|
$500
|
$500
|
4.40%
|
|
18 Months
|
$500
|
$500
|
4.00%
|
|
24 Months
|
$500
|
$500
|
4.25% |
|
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 ⁴
|
Minimum Balance To Open
|
Minimum Average Daily Balance To Earn APY
|
Annual Percentage Yield (APY)
|
|---|---|---|---|
|
3 Months
|
$500
|
$500
|
2.75%
|
|
6 Months
|
$500
|
$500
|
3.75%
|
| 10 Months | $500 | $500 | 4.11% |
|
12 Months
|
$500
|
$500
|
3.50%
|
|
14 Months
|
$500
|
$500
|
4.44%³
|
|
16 Months
|
$500
|
$500
|
3.00%
|
|
17 Months
|
$500
|
$500
|
4.40%
|
|
18 Months
|
$500
|
$500
|
4.00%
|
|
24 Months
|
$500
|
$500
|
4.25%
|
|
28 Months
|
$500
|
$500
|
2.65%
|
|
36 Months
|
$500
|
$500
|
3.45%
|
|
48 Months
|
$500
|
$500
|
3.00%
|
|
60 Months
|
$500
|
$500
|
3.35%
|
¹ Fees may reduce earnings.
² Rates are subject to change without notice.
³ This is a limited time offer and is subject to change without notice. To qualify for this rate, at least 50% of the funds deposited by members must be new money. New money is defined as funds not currently on deposit with Mass Bay Credit Union.
⁴Certificates may be subject to penalty for early withdrawal. This account type has a $250,000 maximum deposit per Member.
All rates subject to membership eligibility, see our website for details.
Current Rates - Effective October 16, 2026.