Credit union · NCUA insured
Liberty Bay Credit Union
Top CarrotA $839.9M credit union headquartered in Braintree, MA, with 21,692 members and 4 branches in Massachusetts. Best rates: CDs 4.10% and savings 3.50% APY.
Liberty Bay Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#18 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Liberty Bay Credit Union
Liberty Bay Credit Union is a member-owned, not-for-profit financial institution headquartered in Braintree, Massachusetts.
The credit union serves communities across eastern and central Massachusetts.
- Headquarters
- 300 Granite St Fl 3, Braintree, MA 02184-3909
- NCUA charter
- 67541
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to individuals who live, work, or attend school in eligible towns in eastern and central Massachusetts within the service area.
Employers and groups
- Eligibility is open to employees or members of partner organizations.
Family and household
- Eligibility is open to immediate family or household members of existing Liberty Bay Credit Union members.
Cost to join
- Membership requires opening a savings account with a $5 deposit and maintaining a $5 balance.
Branches
4 branches in Massachusetts
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Massachusetts
4 branches
- Liberty Bay Credit UnionMain office300 Granite St Fl 3, Braintree, MA 02184Directions
- Liberty Bay Credit Union300 Granite St Fl 1, Braintree, MA 02184Directions
- Liberty Bay Credit Union10 Downer Ave, Hingham, MA 02043Directions
- Liberty Bay Credit Union9 Brook St, Scituate, MA 02066Directions
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 | 15.06% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.24% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.54% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $109 | $76 | — |
- CapitalNet worth ratio15.06%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.24%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.54%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$109Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Liberty Bay Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.