In observance of Labor Day, all Mass Bay Credit Union offices will be closed on Monday, September 7, 2026. While Labor Day is the unofficial end to summer, it is also a time to think and reflect on the hard work that people do every day to keep our cities and towns, state, and country running. While we are closed, our ATMs, mobile app, and telephone banking will be available.
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
|
2.75%
|
|
6 Months
|
$500
|
$500
|
3.75%
|
| 10 Months | $500 | $500 | 3.00% |
|
12 Months
|
$500
|
$500
|
3.50%
|
|
14 Months
|
$500
|
$500
|
3.00%
|
|
16 Months
|
$500
|
$500
|
3.00%
|
|
17 Months
|
$500
|
$500
|
3.00%
|
|
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 ^
|
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 | 3.00% |
|
12 Months
|
$500
|
$500
|
3.50%
|
|
14 Months
|
$500
|
$500
|
3.00%
|
|
16 Months
|
$500
|
$500
|
3.00%
|
|
17 Months
|
$500
|
$500
|
3.00%
|
|
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%
|
* 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 September 3, 2026.