Credit union · NCUA insured
Mass Bay Credit Union Savings Rates
Mass Bay Credit Union’s best savings rate is 0.35% APY on $10,000, with its Money Market. Rates checked October 17, 2026.
How Mass Bay Credit Union’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Mass Bay Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mass Bay Credit Union
0.35%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $35
Money Market
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Mass Bay Credit Union savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Mass Bay Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $10,000 | 0.15% | — |
| $10,000 – $20,000 | 0.35% | $35 |
| $20,000 – $50,000 | 0.50% | — |
| $50,000 – $100,000 | 0.60% | — |
| $100,000 – $250,000 | 0.80% | — |
| $250,000 and up | 0.80% | — |
Sources (1)
- massbaycu.org/index.php/resources/rates-for-deposit · captured Oct 5, 2026
Who can join Mass Bay Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends a school, college, or university, or belongs to a labor organization located within Norfolk County, Suffolk County, Middlesex County, Abington, Brockton, Hanover, Hingham, Lynn, Marshfield, Norwell, Peabody, Rockland, Saugus, Scituate, or Whitman.
Employers and groups
- Membership is open to employees or former employees of Keolis.
- Membership is open to employees or former employees of entities affiliated with MassDOT.
- Membership is open to employees of entities who are members of labor unions affiliated with MassDOT.
- Membership is open to employees or former employees of MBTA.
Military, government and schools
- Membership is open to employees or former employees of the Massachusetts State Police.
1 more way to join
Family and household
- Membership is open to immediate family members of eligible members.
Membership information collected October 5, 2026.