Liberty Bay Credit Union
Headquarters
300 Granite St Fl 3
Braintree, MA 02184
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2024 Overview
General Credit Union Information
Liberty Bay is an NCUA insured institution located in Braintree, MA. It was founded in 1917 and has approximately $786.15 millions in assets.
Who can join?
Liberty Bay Credit Union is open to anyone in the Greater Boston area who lives, works, or goes to school in any of these towns:
Abington, Cohasset, Lexington, Pembroke, Walpole, Arlington, Dedham, Malden, Plainville, Waltham, Avon, Dover, Marshfield, Plymouth, Watertown, Bellingham, Duxbury, Medfield, Plympton, Wellesley, Belmont, East Bridgewater, Medford, Quincy, West Bridgewater, Boston, Everett, Medway, Randolph, Weston, Braintree, Foxboro, Melrose, Reading, Westwood, Bridgewater, Franklin, Millis, Revere, Weymouth, Brockton, Halifax, Milton, Rockland, Whitman, Brookline, Hanover, Needham, Scituate, Wilmington, Burlington, Hanson, Newton, Sharon, Winchester, Cambridge, Hingham, Norfolk, Somerville, Winthrop, Canton, Holbrook, North Reading, Stoneham, Woburn, Carver, Hull, Norwell, Stoughton, Wrentham, Chelsea, Kingston, Norwood, Wakefield
*Includes: Allston, Back Bay, Bay Village, Beacon Hill, Brighton, Charlestown, Chinatown, Dorchester, Downtown, East Boston, Fenway, Kenmore, Hyde Park, Jamaica Plain, Mattapan, Misson Hill, North End, Roslindale, Roxbury, South Boston, South End, West End, and West Roxbury
Even if you don't meet the above criteria for membership at Liberty Bay Credit Union, you can still become a member if you work for a phone company, or any company that provides technologies for the purpose of the transmission and the processing of information, voice, data, and video.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 67541 |
| Date Established | 1917 |
| Assets | $786.15 million |
| Loans | $611.44 million |
| Deposits | $537.71 million |
| Capital | $115.45 million |
Field of Membership Restrictions
Membership in Liberty Bay Credit Union is open to those who live in the Boston-area towns of Abington, Arlington, Avon, Bellingham, Belmont, Boston (Allston, Back Bay, Bay Village, Beacon Hill, Brighton, Charlestown, Chinatown, Dorchester, Downtown, East Boston, Fenway, Kenmore, Hyde Park, Jamaica Plain, Mattapan, Misson Hill, North End, Roslindale, Roxbury, South Boston, South End, West End, West Roxbury,), Braintree, Bridgewater, Brockton, Brookline, Burlington, Cambridge, Canton, Carver, Chelsea, Cohasset, Dedham, Dover, Duxbury, East Bridgewater, Everett, Foxboro, Franklin, Halifax, Hanover, Hanson, Hingham, Holbrook, Hull, Kingston, Lexington, Malden, Marshfield, Medfield, Medford, Medway, Melrose, Millis, Milton, Needham, Newton, Norfolk, North Reading, Norwell, Norwood, Pembroke, Plainville, Plymouth, Plympton, Quincy, Randolph, Reading, Revere, Rockland, Scituate, Sharon, Somerville, Stoneham, Stoughton, Wakefield, Walpole, Waltham, Watertown, Wellesley, West Bridgewater, Weston, Westwood, Weymouth, Whitman, Wilmington, Winchester, Winthrop, Woburn, or Wrentham, Massachusetts.
Deposit Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
|
Premium Money Market Account
|
0.20% | $10,000 | $14,999 |
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|
|
Premium Money Market Account
|
0.30% | $25,000 | $34,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Liberty Bay
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 447490 |
6.817% | 6.750% | 0.63 | $2,189 | $2,076 | Learn More |
NMLS ID: 2059741 |
6.894% | 6.750% | 0.88 | $4,746 | $2,076 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Liberty Bay
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Branches
Below are Liberty Bay branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
LIBERTY BAY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Liberty Bay Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Liberty Bay. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Liberty Bay | U.S. Average |
|---|---|
| 7.67% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Liberty Bay had $9,006,858 in non-current loans and $96,430 in owned assets. To cover these potential losses it had $115,446,360 in net worth and $3,165,690 in loans loss reserves. That gives it a Texas Ratio of 7.67%.
Net Worth
| Liberty Bay | U.S. Average |
|---|---|
| 14.68% | 13.62% |
Liberty Bay FCU has a net worth of 14.68% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Liberty Bay
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