Credit union · NCUA insured
BrightBridge Credit Union
Top CarrotA $2.4B credit union, the 223rd largest of 4,329, headquartered in Lawrence, MA, with 116,769 members and 30 branches in 3 states. Best rates: CDs 4.00% and savings 3.30% APY.
BrightBridge Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#26 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About BrightBridge Credit Union
Founded in 1955, BrightBridge Credit Union is a state-chartered community credit union headquartered in Lawrence, Massachusetts.
Originally Merrimack Valley Credit Union, it expanded through mergers including Bridgewater Credit Union in 2019, RTN Federal Credit Union in 2023, and Arrha Credit Union in 2026.
The credit union operates 23 retail branches across Massachusetts, New Hampshire, and Connecticut.
- Headquarters
- 500 Merrimack St, Lawrence, MA 01843
- NCUA charter
- 68693
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, volunteer, or attend school in eligible counties in CT, MA, NH, or RI qualify for membership.
Employers and groups
- Employees and members of participating employer and sponsor groups qualify for membership.
Military, government and schools
- Employees or members of participating government and educational entities qualify for membership.
Family and household
- Individuals who have a family member living in the Field of Membership qualify for membership.
Other ways
- Members or volunteers of a religious, civic, or charitable organization with its principal place of business within the Field of Membership qualify for membership.
Branches
30 branches in 3 states
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Massachusetts
27 branches
Boston area · 21
- Amesbury100 Macy St, Amesbury, MA 01913Directions
- Raytheon Technologies - IADC362 Lowell St, Andover, MA 01810Directions
- Bridgewater75 Main St, Bridgewater, MA 02324Directions
- Brookline365 Boylston St, Brookline, MA 02445Directions
- Danvers29 Andover St, Danvers, MA 01923Directions
- General Dynamics - Dedham150 Rustcraft Rd, Dedham, MA 02026Directions
- Dorchester1205 Adams St, Dorchester, MA 02124Directions
- Hanover1095 Washington St, Hanover, MA 02339Directions
- Central Plaza Branch2 Water St, Haverhill, MA 01830Directions
- Lawrence Branch500A Merrimack St, Lawrence, MA 01843Directions
- Lawrence General1 General St, Lawrence, MA 01841Directions
- Marlborough451 Boston Post Rd E, Marlborough, MA 01752Directions
- Raytheon Technologies - IDS SAS1001 Boston Post Rd, Marlborough, MA 01752Directions
- Methuen Branch436 Broadway, Rt 28, Methuen, MA 01844Directions
- North Andover Mall Branch350 Winthrop Ave, Rte 114, North Andover, MA 01845Directions
- Plymouth73 Long Pond Rd, Plymouth, MA 02360Directions
- Quincy213 Independence Ave, Quincy, MA 02169Directions
- Raytheon Technologies - IDS HQ50 Apple Hill Dr, Tewksbury, MA 01876Directions
- Tewksbury345 Main St, Tewksbury, MA 01876Directions
- Waltham600 Main St, Waltham, MA 02452Directions
- Raytheon Technologies - MDC225 Presidential Way, Woburn, MA 01801Directions
Springfield area · 3
- Springfield - Industry Ave145 Industry Ave, Springfield, MA 01104Directions
- Springfield - Sumner Ave1240 Sumner Ave, Springfield, MA 01118Directions
- West Springfield63 Park Ave, West Springfield, MA 01089Directions
Providence area · 2
- Fairhaven41 Fairhaven Commons Way, Fairhaven, MA 02719Directions
- General Dynamics - Taunton400 John Quincy Adams Rd, Taunton, MA 02780Directions
Worcester area · 1
- Worcester530 Grafton St, Worcester, MA 01604Directions
New Hampshire
2 branches
- Plaistow Branch24 Plaistow Rd, Plaistow, NH 03865Directions
- Seabrook Branch700 Lafayette Rd Unit 103A, Seabrook, NH 03874Directions
Rhode Island
1 branch
- Portsmouth RI1847 W Main Rd, Portsmouth, RI 02871Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.56% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.82% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.57% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $85 | $88 | — |
- CapitalNet worth ratio10.56%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.82%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.57%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$85Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of BrightBridge Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.