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Happy New Year!  May 2026 bring you great happiness, prosperity, and friends and family to share it with.

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Savings Accounts

Save your money with Mass Bay Credit Union - stacks of coins on the table.
Prepare for the future today, and create a better tomorrow.

The future can be uncertain, and building up your savings now can help you and your loved ones be covered—even when life happens or unexpected expenses pop up.

We’re dedicated to helping you reach your goals, whether they are saving for a home, pursuing education or planning your next vacation.

Enjoy full insurance on your deposits with Mass Bay Credit Union 

As a member of both the National Credit Union Association (NCUA) and Massachusetts Share Insurance Corporation (MSIC), Mass Bay Credit Union offers members full insurance on deposits and interest, ensuring protection without limits or exceptions. The NCUA insures each member's deposits up to $250,000, with the MSIC providing extra coverage for deposit amounts beyond that.

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Savings

The Perfect Place to Start

Benefits:

  • An account that helps you begin to save
  • Set up direct deposit from your paycheck
  • Check balances from online banking and mobile banking
  • Once you reach $500+ move your funds into a Certificate to      earn higher rates and save for upcoming goals

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The Next Step in Savings

Benefits:

  • Great for higher balances with intermediate-term plans
  • Tiered rates earn you more the more you save
  • Build funds for longer term savings
  • Liquid account that comes with check writing ability
  • Always safe and reliable

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Planning For Your Future

Benefits:

  • Lock in higher rates for funds you don't need right away
  • Great for adapting to rising and falling market rates
  • Use long-term certificates to lock in higher interest rates
  • Use “laddering” to stagger your certificate maturity dates

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For Next Year's Fun

Benefits:

  • Create savings for holiday shopping, future vacations, and other big expenses
  • Break big purchases down into small weekly contributions
  • Avoid using credit cards and paying interest
  • Save a bit each paycheck while earning interest along the way

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Planning For Retirement

Retirement, social security and pensions may not provide enough funds for most people to maintain their current non-retirement lifestyle.

It means the more you put away now, the less you’ll have to worry as you age.

Learn More

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Teaching Kids How to Save

Benefits:

  • Open an account for as little as $5
  • Get a free gift when you sign up
  • Play educational online games and activities

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Note: To open a kids club account please bring the following identifcation (Birth Certificate, Passport, Student ID) and social security card or tax return.
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