On Thursday, November 12, 2026, there was a Global Microsoft 365 outage. Rest assured, our core operating system, ATMs, mobile app, and telephone banking do not rely on Microsoft, and this outage did not impact our operations. We understand that most of the software impacted by the outage has been restored today, Friday, November 13, 2026. However, if your email is sluggish and you would like to reach us, please call us directly at 617-269-2700.
xDeposit Rates
| Account Type ¹ | Minimum Balance To Open | Minimum Average Daily Balance to Earn APY | Annual Percentage Yield (APY) ² |
|---|---|---|---|
|
Main Share/Misc Share
|
$5
|
$5 - $499.99
|
0.03%
|
|
|
|
$500 - $9,999.99
|
0.05%
|
|
|
|
$10,000 - Above
|
0.10%
|
|
|
|||
|
Money Market
|
$10
|
$10 - $2,499.99
|
0.05%
|
|
|
|
$2,500 - $9,999.99
|
0.15%
|
|
|
|
$10,000 - $19,999.99
|
0.35%
|
|
|
|
$20,000 - $49,999.99
|
0.50%
|
| $50,000 - $99,999.99 | 0.60% | ||
| $100,000 - $249,999.99 | 0.80% | ||
| $250,000 - ABOVE | 0.80% | ||
|
|
|||
|
I.R.A Share
|
None
|
$0 - $499.99
|
0.03%
|
|
|
|
$500 - $9,999.99
|
0.05%
|
|
|
|
$10,000.00 - Above
|
0.10%
|
|
|
|||
|
NOW Checking
|
None | $5 |
0.03%
|
|
|
|||
|
Vacation Club
|
None
|
None |
0.05%
|
|
|
|||
|
Christmas Club
|
None
|
None |
0.05%
|
|
|
|||
|
Business Share
|
$25
|
$25 - $499.99
|
0.03%
|
|
|
|
$500 - $9,999.99
|
0.05%
|
|
|
|
$10,000 - Above
|
0.10%
|
|
|
|
|
|
|
Certificates Term ⁴
|
Minimum Balance To Open
|
Minimum Average Daily Balance To Earn APY
|
Annual Percentage Yield (APY)
|
|---|---|---|---|
|
3 Months
|
$500
|
$500
|
2.75%
|
|
6 Months
|
$500
|
$500
|
3.75%
|
| 10 Months | $500 | $500 | 4.11% |
|
12 Months
|
$500
|
$500
|
4.00%
|
|
14 Months
|
$500
|
$500
|
4.44%³
|
|
16 Months
|
$500
|
$500
|
4.00%
|
|
17 Months
|
$500
|
$500
|
4.40%
|
|
18 Months
|
$500
|
$500
|
4.00%
|
|
24 Months
|
$500
|
$500
|
4.00% |
|
28 Months
|
$500
|
$500
|
4.75%
|
|
36 Months
|
$500
|
$500
|
4.00%
|
|
48 Months
|
$500
|
$500
|
4.00%
|
|
60 Months
|
$500
|
$500
|
4.00%
|
|
IRA Certificates Term ⁴
|
Minimum Balance To Open
|
Minimum Average Daily Balance To Earn APY
|
Annual Percentage Yield (APY)
|
|---|---|---|---|
|
3 Months
|
$500
|
$500
|
2.75%
|
|
6 Months
|
$500
|
$500
|
3.75%
|
| 10 Months | $500 | $500 | 4.11% |
|
12 Months
|
$500
|
$500
|
4.00%
|
|
14 Months
|
$500
|
$500
|
4.44%³
|
|
16 Months
|
$500
|
$500
|
4.00%
|
|
17 Months
|
$500
|
$500
|
4.40%
|
|
18 Months
|
$500
|
$500
|
4.00%
|
|
24 Months
|
$500
|
$500
|
4.00%
|
|
28 Months
|
$500
|
$500
|
4.75%
|
|
36 Months
|
$500
|
$500
|
4.00%
|
|
48 Months
|
$500
|
$500
|
4.00%
|
|
60 Months
|
$500
|
$500
|
4.00%
|
¹ Fees may reduce earnings.
² Rates are subject to change without notice.
³ This is a limited time offer and is subject to change without notice. To qualify for this rate, at least 50% of the funds deposited by members must be new money. New money is defined as funds not currently on deposit with Mass Bay Credit Union.
⁴Certificates may be subject to penalty for early withdrawal. This account type has a $250,000 maximum deposit per Member.
All rates subject to membership eligibility, see our website for details.
Current Rates - Effective November 6, 2026.