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On Tuesday, May 20, 2025, Mass Bay Credit Union will upgrade systems between 10 pm and 12 midnight.  Online banking, our mobile app, and telephone banking may experience an interruption in service.  We apologize in advance for any inconvenience.

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Deposit 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 4.00%
12 Months 
$500
$500
3.75%
14 Months 
$500
$500
3.00%
16 Months 
$500
$500
4.10%
17 Months 
$500
$500
3.00%
18 Months 
$500
$500
3.00%
24 Months   
$500
$500
3.85%
28 Months
$500
$500
2.65%
36 Months
$500
$500
3.85%
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 4.00%
12 Months 
$500
$500
3.75%
14 Months 
$500
$500
3.00%
16 Months 
$500
$500
4.10%
17 Months 
$500
$500
3.00%
18 Months
$500
$500
3.00%
24 Months 
$500
$500
3.85%
28 Months
$500
$500
2.65%
36 Months
$500
$500
3.85%
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 May 14, 2025

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