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Pre Pay for Your Vacation | Earn Interest and Avoid Debt | No Minimum Deposit or Balance | No Monthly Service Fees |
Save money each month to cover significant vacation expenses like flights and hotels. | Earn a comprehensive rate on your funds and avoid paying interest on future credit card debt. | Start saving and earning interest with any opening deposit, then make ongoing contributions. | At Mass Bay Credit Union, we don't belive in charging fees to deposit and access your own money. |
Vacations and big trips are even better when you're not worrying about how you're going to pay for everything – or the size of your credit card bill when you get home. Here's how to have a great vacay:
Mass Bay is here to help you and your family have an amazing vacation without financial stress!
Free Digital Banking Manage your accounts with Online and Mobile Banking. |
Competitive APY Earn great rates on any balance and watch your funds grow. |
In-Person Withdrawls Drop into a local branch in the greater Boston area. |
Unlimited Deposits Keep adding funds whenever you want to build your balance. |
Save for Special purposes Open Several accounts to pay for seperate future expenses. |
Easy Application Use our secure portal to join Mass Bay Credit Union and open an account. |
Vacation expenses may include, but are not limited to:
Flights, gas for your car, and other transport or travel expenses
Hotels and other forms of accommodation
Food and eating out
Gifts if you're traveling for a special occasion like a wedding
Vacation-related clothing like swimwear
Entertainment expenses, like fun parks, concerts, and special events
Extra money to spend as you need and want
Answer: You can enjoy easy access to your funds and manage your account with our upgraded Online Banking and Mobile Banking platforms. If you prefer in-person banking, you can visit a branch and talk directly with someone on our team.
You can also use your debit card to access ITM Video Banking services in Boston and Quincy anytime you want the convenience of an ATM with the personal touch of a member services representative.
When the time comes to go on your family vacation, you can access your funds through Online and Mobile Banking transfers or in person at a local branch.
Answer: These kinds of special-purpose savings accounts let you save up for future expenses and pay for them with cash, instead of putting your expenses on your credit card and paying off your bill long after you get home from your vacation.
Another benefit is that Vacation Savings Accounts offer an interest rate on your balance so you can earn as you save. Then, when you use your savings to pay for your trip instead of your credit cards, you can avoid paying interest on the debt.
This means a Vacation Savings Account makes sense in more ways than one! You get to enjoy your vacation and not worry about the bills afterward.
Answer: There is no minimum deposit and you can start earning a competitive annual percentage yield (APY) on any balance right away. This account earns a higher interest rate than our Now Checking Account and is the same as our Money Market Account with a balance under $2,500.
Answer: Yes, you do need to be a member. The good news is that joining is easy! We offer Vacation Savings Accounts in MA, serving our members in Quincy, Everett, Boston, and the Greater Boston area.