Massachusetts

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Massachusetts Credit Union Savings Rates

You are viewing savings rates from credit unions across Massachusetts

 

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

MA - June 30, 2025

Savings Account National Average Rate: 0.45% ?

Credit Unions APY MIN

Rate History: 6.17% → 5.50%

| May 4, 2016

Refi, no cash out, no second Read More

5.00%

$0

Learn More

12 Month Introductory Rate

Rate History: 4.65% → 4.55% → 3.75%

3.75%

3.50%
2.50%
1.50%
0.50%

$500,000

$100,000
$50,000
$25,000
$1
Learn More

Rate History: 3.30% → 3.50%

| May 4, 2016

Refi, no cash out, no second Read More

3.25%

$25,000

Learn More

Rate History: 3.50% → 3.25%

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

Rate History: 2.50% → 2.40% → 2.20%

| Jun 12, 2017

five star......great location...fast service Read More

Rate History: 2.50% → 2.00%

Rate History: 0.85% → 0.70% → 1.70%

1.70%

0.70%
0.55%

$100,000

$25,000
$2,500
Learn More

| Jan 19, 2023

They have a lot of potential to be great. But, they need to learn their systems and how to best serve their Members. Don't do it. Just don't. You've been warned. Read More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

1.10%

1.00%
0.75%
0.55%
0.35%

$200,000

$75,000
$100,000
$50,000
$500
Learn More

| Sep 15, 2021

The rates posted here is not the same. Check the credit union's web site for actual rates Read More

0.60%

$25,000

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Rate History: 0.40% → 3.00% → 0.60%

0.50%

$25,000

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0.50%

$25,000

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0.50%

$25,000

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0.50%

$10,000

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0.50%

$2,500

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0.50%

$2,500

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0.40%

$10,000

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0.40%

$25,000

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0.40%

$2,500

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0.40%

$10,000

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0.35%

$25,000

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0.35%

$25,000

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0.35%

$25,000

Learn More

| Jun 8, 2021

Call first. Rate is different Read More

0.30%

$25,000

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0.30%

$10,000

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0.30%

$25,000

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0.30%

$25,000

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0.30%

$25,000

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0.30%

$10,000

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0.30%

$25,000

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0.30%

$25,000

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Rate History: 0.35% → 0.25%

| Aug 31, 2020

Great rates and fast loans Read More

| Jan 19, 2023

They have a lot of potential to be great. But, they need to learn their systems and how to best serve their Members. Don't do it. Just don't. You've been warned. Read More

0.25%

$10,000

Learn More

0.25%

$2,500

Learn More

| Sep 19, 2020

Absolutely terrible customer service. Please don’t get any type of loan through them. It’s not worth the frustration. Read More

0.25%

$2,500

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$10,000

Learn More

0.25%

$2,500

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0.25%

$2,500

Learn More

0.25%

$2,500

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0.25%

$25,000

Learn More

0.25%

$2,500

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0.25%

$25,000

Learn More

| Jun 8, 2021

Call first. Rate is different Read More

Edu


Restrictions

0.20%

$0

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0.20%

$2,500

Learn More

| Sep 19, 2020

Absolutely terrible customer service. Please don’t get any type of loan through them. It’s not worth the frustration. Read More

0.20%

$2,500

Learn More

0.20%

$25,000

Learn More

0.20%

$25,000

Learn More

0.20%

$25,000

Learn More

0.20%

$25,000

Learn More

0.20%

$25,000

Learn More

0.20%

$25,000

Learn More

0.20%

$2,500

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0.20%

$25,000

Learn More

0.20%

$25,000

Learn More

0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$10,000

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0.16%

$10,000

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| Aug 31, 2020

Great rates and fast loans Read More

0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

Learn More

| Mar 10, 2025

In the past 9 months dealing with Mycom Credit Union, I have had the pleasure of working with Rosemary several times and I could not be happier. Rosemary has helped me outside of business hours on more tha... Read More

0.15%

$2,500

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Rtn

Rtn Branch
Restrictions

0.15%

$25,000

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0.15%

$25,000

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

Learn More

| Aug 28, 2018

Great Credit Union. Awesome rates and very easy to do business with!!! Read More

0.15%

$25,000

Learn More

| Apr 19, 2018

Do not get your car insurance through GFA, or more precisely, their affiliates. They got my billing address wrong when I got the policy and canceled it without a phone call. Admittedly, I gave them my ju... Read More

0.15%

$10,000

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

Learn More

0.15%

$25,000

Learn More

0.15%

$2,500

Learn More

0.15%

$10,000

Learn More

0.15%

$2,500

Learn More

0.15%

$25,000

Learn More

0.15%

$2,500

Learn More

| Jun 8, 2021

Call first. Rate is different Read More

0.10%

$5

Learn More

| Sep 15, 2021

The rates posted here is not the same. Check the credit union's web site for actual rates Read More

| Aug 31, 2020

Great rates and fast loans Read More

| Sep 19, 2020

Absolutely terrible customer service. Please don’t get any type of loan through them. It’s not worth the frustration. Read More

0.10%

$2,500

Learn More

| Mar 10, 2025

In the past 9 months dealing with Mycom Credit Union, I have had the pleasure of working with Rosemary several times and I could not be happier. Rosemary has helped me outside of business hours on more tha... Read More

0.10%

$10,000

Learn More

0.10%

$2,500

Learn More

0.10%

$25

Learn More

Rtn

Rtn Branch
Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

| Aug 28, 2018

Great Credit Union. Awesome rates and very easy to do business with!!! Read More

0.10%

$2,500

Learn More

I-c

I-c Branch
Restrictions

0.10%

0.05%

$25,000

$50
Learn More

0.10%

$2,500

Learn More

| Apr 19, 2018

Do not get your car insurance through GFA, or more precisely, their affiliates. They got my billing address wrong when I got the policy and canceled it without a phone call. Admittedly, I gave them my ju... Read More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$10,000

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$10,000

Learn More

0.10%

$10,000

Learn More

0.10%

$2,500

Learn More

Rate History: 0.25% → 0.15% → 0.10%

| Aug 31, 2020

Great rates and fast loans Read More

0.05%

$2,500

Learn More

Rtn

Rtn Branch
Restrictions

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.03%

$2,500

Learn More

| Aug 28, 2018

Great Credit Union. Awesome rates and very easy to do business with!!! Read More

0.02%

$2,500

Learn More

I-c

I-c Branch
Restrictions

0.02%

$50

Learn More

0.02%

$2,500

Learn More

0.02%

$2,500

Learn More

0.02%

$2,500

Learn More

Edu


Restrictions

0.01%

$1

Learn More

0.01%

$2,500

Learn More
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


Branches Info across Massachusetts


Branch Street City State
DIGITAL
Digital Digital Branch
220 Donald Lynch Blvd Marlborough MA
SERVICE
Falmouth Branch Office Falmouth Branch Office
199 Worcester Ct Falmouth MA
BAXTER
Marlborough Marlborough Branch
100 Boston Scientific Way Marlborough MA
US Alliance
Usalliance Usalliance Branch
1960 Massachusetts Ave Cambridge MA
HANSCOM
Hanscom Hanscom Branch
1610 Eglin Street Hanscom AFB MA
HANSCOM
Hanscom Hanscom Branch
1610 Eglin Street Hanscom AFB MA
DIGITAL
Digital Digital Branch
220 Donald Lynch Blvd Marlborough MA
DIGITAL
Digital Digital Branch
220 Donald Lynch Blvd Marlborough MA
DIGITAL
Digital Digital Branch
220 Donald Lynch Blvd Marlborough MA
DIRECT
Direct Direct Branch
50 Cabot Street Needham MA
METRO
Salem Salem Branch
4 Paradise Rd Salem MA
DIGITAL
Digital Digital Branch
220 Donald Lynch Blvd Marlborough MA
HANSCOM
Hanscom Hanscom Branch
1610 Eglin Street Hanscom AFB MA
AMERICAN AIRLINES
American Airlines American Airlines Branch
Logan International Airport, 1 Harborside Drive, R East Boston MA
BAXTER
Marlborough Marlborough Branch
100 Boston Scientific Way Marlborough MA
DIGITAL
Digital Digital Branch
220 Donald Lynch Blvd Marlborough MA
ALIGN
No. Mass. Tel Worker No. Mass. Tel Worker Branch
40 Market Street Lowell MA
BAXTER
Marlborough Marlborough Branch
100 Boston Scientific Way Marlborough MA
HANSCOM
Hanscom Hanscom Branch
1610 Eglin Street Hanscom AFB MA
ALIGN
No. Mass. Tel Worker No. Mass. Tel Worker Branch
40 Market Street Lowell MA
TRANSPORTATION
Kendall Square Branch Kendall Square Branch
55 Broadway Cambridge MA
TRANSPORTATION
Kendall Square Branch Kendall Square Branch
55 Broadway Cambridge MA
ALIGN
No. Mass. Tel Worker No. Mass. Tel Worker Branch
40 Market Street Lowell MA
TRANSPORTATION
Kendall Square Branch Kendall Square Branch
55 Broadway Cambridge MA
ALIGN
No. Mass. Tel Worker No. Mass. Tel Worker Branch
40 Market Street Lowell MA
DIRECT
Direct Direct Branch
50 Cabot Street Needham MA
TRANSPORTATION
Kendall Square Branch Kendall Square Branch
55 Broadway Cambridge MA
DIRECT
Direct Direct Branch
50 Cabot Street Needham MA
ALIGN
No. Mass. Tel Worker No. Mass. Tel Worker Branch
40 Market Street Lowell MA
ALIGN
No. Mass. Tel Worker No. Mass. Tel Worker Branch
40 Market Street Lowell MA
MASS BAY
Mass Bay Mass Bay Branch
147 West Fourth Street South Boston MA
DIRECT
Direct Direct Branch
50 Cabot Street Needham MA
SERVICE
Falmouth Branch Office Falmouth Branch Office
199 Worcester Ct Falmouth MA
US Alliance
Usalliance Usalliance Branch
1960 Massachusetts Ave Cambridge MA
MASS BAY
Mass Bay Mass Bay Branch
147 West Fourth Street South Boston MA
UKRAINIAN
Ukrainian Ukrainian Branch
282 Providence Hwy Westwood MA
DIRECT
Direct Direct Branch
50 Cabot Street Needham MA
SERVICE
Falmouth Branch Office Falmouth Branch Office
199 Worcester Ct Falmouth MA
BOSTON FIREFIGHTERS
Boston Firefighters Boston Firefighters Branch
60 Hallet Street Dorchester MA
HANSCOM
Hanscom Hanscom Branch
1610 Eglin Street Hanscom AFB MA
TREMONT
Tremont Tremont Branch
155 GROSSMAN DRIVE BRAINTREE MA
WORKERS
Workers' Workers' Branch
815 Main Street Fitchburg MA
CENTRAL ONE
Southgate Southgate Branch
30 Julio Dr Shrewsbury MA
MASS BAY
Mass Bay Mass Bay Branch
147 West Fourth Street South Boston MA
NESC
Nesc Nesc Branch
248 PLEASANT STREET METHUEN MA
UKRAINIAN
Ukrainian Ukrainian Branch
282 Providence Hwy Westwood MA
US Alliance
Usalliance Usalliance Branch
1960 Massachusetts Ave Cambridge MA
BAXTER
Marlborough Marlborough Branch
100 Boston Scientific Way Marlborough MA
BOSTON FIREFIGHTERS
Boston Firefighters Boston Firefighters Branch
60 Hallet Street Dorchester MA
MEMBERS PLUS
Members Plus Members Plus Branch
29 High Street Medford MA
WORKERS
Workers' Workers' Branch
815 Main Street Fitchburg MA
ROCKLAND
Rockland Rockland Branch
241 Union St Rockland MA
US Alliance
Usalliance Usalliance Branch
1960 Massachusetts Ave Cambridge MA
DIRECT
Direct Direct Branch
50 Cabot Street Needham MA
JEANNE D'ARC
Jeanne D'arc Jeanne D'arc Branch
658 Merrimack Street Lowell MA
WORCESTER
Worcester Worcester Branch
520 West Boylston St Worcester MA
MASS BAY
Mass Bay Mass Bay Branch
147 West Fourth Street South Boston MA
QUINCY
Quincy Quincy Branch
100 Quincy Avenue Quincy MA
METROWEST COMMUNITY
Framingham Municipal Framingham Municipal Branch
200 Concord St Framingham MA
BAXTER
Marlborough Marlborough Branch
100 Boston Scientific Way Marlborough MA
CITY OF BOSTON
City Of Boston City Of Boston Branch
1 UNION ST BOSTON MA
JEANNE D'ARC
Jeanne D'arc Jeanne D'arc Branch
658 Merrimack Street Lowell MA
FIRST PRIORITY
First Priority First Priority Branch
25 DORCHESTER AVENUE BOSTON MA
FREEDOM
Freedom Freedom Branch
1976 MAIN ST SPRINGFIELD MA
LIBERTY BAY
Liberty Bay Liberty Bay Branch
350 Granite Street, suite 1102 Braintree MA
ST. JEAN'S
St. Jean's St. Jean's Branch
250 maple st lynn MA
RIVER WORKS
River Works River Works Branch
947 Western Ave. Lynn MA
BROTHERHOOD
Brotherhood Brotherhood Branch
75 Market Street Lynn MA
FIRST TECHNOLOGY
Addison Avenue Addison Avenue Branch
3000 Minuteman Rd.,Bldg. 4 MS 0400 Andover MA
TRANSPORTATION
Kendall Square Branch Kendall Square Branch
55 Broadway Cambridge MA
MEMBERS PLUS
Members Plus Members Plus Branch
29 High Street Medford MA
BOSTON FIREFIGHTERS
Boston Firefighters Boston Firefighters Branch
60 Hallet Street Dorchester MA
SOUTHCOAST
Southcoast Health Sy Southcoast Health Sy Branch
101 Page St New Bedford MA
JEANNE D'ARC
Jeanne D'arc Jeanne D'arc Branch
658 Merrimack Street Lowell MA
TREMONT
Tremont Tremont Branch
155 GROSSMAN DRIVE BRAINTREE MA
FREEDOM
Freedom Freedom Branch
1976 MAIN ST SPRINGFIELD MA
UMASSFIVE COLLEGE
Mercy Medical Center Branch Mercy Medical Center Branch
233 Carew St Rm 110 Springfield MA
ALL ONE
Clinton High School Clinton High School Branch
200 W Boylston St Clinton MA
SOUTHBRIDGE
Southbridge Southbridge Branch
205 Main St Southbridge MA
WORCESTER
Worcester Worcester Branch
520 West Boylston St Worcester MA
SHREWSBURY
Shrewsbury Shrewsbury Branch
615 MAIN ST SHREWSBURY MA
ROCKLAND
Rockland Rockland Branch
241 Union St Rockland MA
NEW BEDFORD
New Bedford New Bedford Branch
1150 Purchase Street New Bedford MA
BROTHERHOOD
Brotherhood Brotherhood Branch
75 Market Street Lynn MA
LUSO
Luso Luso Branch
599 East Street Ludlow MA
US Alliance
Usalliance Usalliance Branch
1960 Massachusetts Ave Cambridge MA
ALIGN
No. Mass. Tel Worker No. Mass. Tel Worker Branch
40 Market Street Lowell MA
METROWEST COMMUNITY
Framingham Municipal Framingham Municipal Branch
200 Concord St Framingham MA
MEMBERS PLUS
Members Plus Members Plus Branch
29 High Street Medford MA
SOUTHCOAST
Southcoast Health Sy Southcoast Health Sy Branch
101 Page St New Bedford MA
NORFOLK COMMUNITY
Norfolk Community Norfolk Community Branch
194 Main Street Norfolk MA
GREYLOCK
Greylock Greylock Branch
150 West Street Pittsfield MA
CREDIT UNION OF THE BERKSHIRES
Credit Union Of The Credit Union Of The Branch
744 Williams Street Pittsfield MA
UKRAINIAN SELFRELIANCE NEW ENGLAND
Ukrainian Selfrelian Ukrainian Selfrelian Branch
103 North Elm Street Westfield MA
FRANKLIN FIRST
Franklin First Franklin First Branch
57 Newton Street Greenfield MA
ATHOL
Athol Athol Branch
513 Main Street Athol MA
CENTRAL ONE
Southgate Southgate Branch
30 Julio Dr Shrewsbury MA
ST. MARY'S
St. Mary's St. Mary's Branch
293 Boston Post Road West Marlborough MA
ALLCOM
Allcom Allcom Branch
36 Park Avenue Worcester MA
LIBERTY BAY
Liberty Bay Liberty Bay Branch
350 Granite Street, suite 1102 Braintree MA
QUINCY
Quincy Quincy Branch
100 Quincy Avenue Quincy MA
ROCKLAND
Rockland Rockland Branch
241 Union St Rockland MA
LUSO
Luso Luso Branch
599 East Street Ludlow MA
HOMEFIELD
Grafton Suburban Grafton Suburban Branch
86 Worcester Street North Grafton MA
FIRST TECHNOLOGY
Addison Avenue Addison Avenue Branch
3000 Minuteman Rd.,Bldg. 4 MS 0400 Andover MA
HOLYOKE
Holyoke Holyoke Branch
490 Westfield Road Holyoke MA
BAXTER
Marlborough Marlborough Branch
100 Boston Scientific Way Marlborough MA
US Alliance
Usalliance Usalliance Branch
1960 Massachusetts Ave Cambridge MA
JEANNE D'ARC
Jeanne D'arc Jeanne D'arc Branch
658 Merrimack Street Lowell MA
CITY OF BOSTON
City Of Boston City Of Boston Branch
1 UNION ST BOSTON MA
GREYLOCK
Greylock Greylock Branch
150 West Street Pittsfield MA
MYCOM
Mycom Mycom Branch
101 Fenn St Pittsfield MA
FIRST PRIORITY
First Priority First Priority Branch
25 DORCHESTER AVENUE BOSTON MA
RTN
Rtn Rtn Branch
600 Main Street Waltham MA
POLISH NATIONAL
Polish National Polish National Branch
46 Main Street Chicopee MA
ARRHA
Stcu Stcu Branch
145 Industry Avenue Springfield MA
UKRAINIAN SELFRELIANCE NEW ENGLAND
Ukrainian Selfrelian Ukrainian Selfrelian Branch
103 North Elm Street Westfield MA
PIONEER VALLEY
Pioneer Valley Pioneer Valley Branch
246 Brookdale Drive Springfield MA
WEBSTER FIRST
Webster First Webster First Branch
271 Greenwood St Worcester MA
GFA
Gfa Gfa Branch
229 Parker St Gardner MA
ATHOL
Athol Athol Branch
513 Main Street Athol MA
ALL ONE
Clinton High School Clinton High School Branch
200 W Boylston St Clinton MA
SOUTHBRIDGE
Southbridge Southbridge Branch
205 Main St Southbridge MA
HOMEFIELD
Grafton Suburban Grafton Suburban Branch
86 Worcester Street North Grafton MA
SOMERSET
Somerset Somerset Branch
740 County Street Somerset MA
MASS BAY
Mass Bay Mass Bay Branch
147 West Fourth Street South Boston MA
ST. JEAN'S
St. Jean's St. Jean's Branch
250 maple st lynn MA
RIVER WORKS
River Works River Works Branch
947 Western Ave. Lynn MA
NEW BEDFORD
New Bedford New Bedford Branch
1150 Purchase Street New Bedford MA
ALLTRUST
Southern Mass Southern Mass Branch
123 ALDEN ROAD FAIRHAVEN MA
LUSO
Luso Luso Branch
599 East Street Ludlow MA
METROWEST COMMUNITY
Framingham Municipal Framingham Municipal Branch
200 Concord St Framingham MA
DIRECT
Direct Direct Branch
50 Cabot Street Needham MA
BAXTER
Marlborough Marlborough Branch
100 Boston Scientific Way Marlborough MA
MASS BAY
Mass Bay Mass Bay Branch
147 West Fourth Street South Boston MA
US Alliance
Usalliance Usalliance Branch
1960 Massachusetts Ave Cambridge MA
SOUTHCOAST
Southcoast Health Sy Southcoast Health Sy Branch
101 Page St New Bedford MA
CITY OF BOSTON
City Of Boston City Of Boston Branch
1 UNION ST BOSTON MA
METRO
Salem Salem Branch
4 Paradise Rd Salem MA
MYCOM
Mycom Mycom Branch
101 Fenn St Pittsfield MA
CREDIT UNION OF THE BERKSHIRES
Credit Union Of The Credit Union Of The Branch
744 Williams Street Pittsfield MA
FIRST PRIORITY
First Priority First Priority Branch
25 DORCHESTER AVENUE BOSTON MA
HANSCOM
Hanscom Hanscom Branch
1610 Eglin Street Hanscom AFB MA
RTN
Rtn Rtn Branch
600 Main Street Waltham MA
TREMONT
Tremont Tremont Branch
155 GROSSMAN DRIVE BRAINTREE MA
POLISH NATIONAL
Polish National Polish National Branch
46 Main Street Chicopee MA
PIONEER VALLEY
Pioneer Valley Pioneer Valley Branch
246 Brookdale Drive Springfield MA
FRANKLIN FIRST
Franklin First Franklin First Branch
57 Newton Street Greenfield MA
I-C
I-c I-c Branch
300 Bemis Road Fitchburg MA
WEBSTER FIRST
Webster First Webster First Branch
271 Greenwood St Worcester MA
GFA
Gfa Gfa Branch
229 Parker St Gardner MA
ATHOL
Athol Athol Branch
513 Main Street Athol MA
CENTRAL ONE
Southgate Southgate Branch
30 Julio Dr Shrewsbury MA
ST. MARY'S
St. Mary's St. Mary's Branch
293 Boston Post Road West Marlborough MA
HOMEFIELD
Grafton Suburban Grafton Suburban Branch
86 Worcester Street North Grafton MA
NAVEO
Cambridge Portuguese Cambridge Portuguese Branch
493 Somerville Avenue Somerville MA
SOMERSET
Somerset Somerset Branch
740 County Street Somerset MA
LIBERTY BAY
Liberty Bay Liberty Bay Branch
350 Granite Street, suite 1102 Braintree MA
NESC
Nesc Nesc Branch
248 PLEASANT STREET METHUEN MA
ST. JEAN'S
St. Jean's St. Jean's Branch
250 maple st lynn MA
RIVER WORKS
River Works River Works Branch
947 Western Ave. Lynn MA
SHARON & CRESCENT UNITED
Foxboro Branch Foxboro Branch
121 Main St Foxboro MA
QUINCY
Quincy Quincy Branch
100 Quincy Avenue Quincy MA
UKRAINIAN
Ukrainian Ukrainian Branch
282 Providence Hwy Westwood MA
FIRST CITIZENS'
First Citizens' First Citizens' Branch
200 MILL RD SUITE 100 FAIRHAVEN MA
ALLTRUST
Southern Mass Southern Mass Branch
123 ALDEN ROAD FAIRHAVEN MA
BROTHERHOOD
Brotherhood Brotherhood Branch
75 Market Street Lynn MA
FIRST TECHNOLOGY
Addison Avenue Addison Avenue Branch
3000 Minuteman Rd.,Bldg. 4 MS 0400 Andover MA
US Alliance
Usalliance Usalliance Branch
1960 Massachusetts Ave Cambridge MA
BAXTER
Marlborough Marlborough Branch
100 Boston Scientific Way Marlborough MA
MASS BAY
Mass Bay Mass Bay Branch
147 West Fourth Street South Boston MA
CREDIT UNION OF THE BERKSHIRES
Credit Union Of The Credit Union Of The Branch
744 Williams Street Pittsfield MA
RTN
Rtn Rtn Branch
600 Main Street Waltham MA
FREEDOM
Freedom Freedom Branch
1976 MAIN ST SPRINGFIELD MA
POLISH NATIONAL
Polish National Polish National Branch
46 Main Street Chicopee MA
ARRHA
Stcu Stcu Branch
145 Industry Avenue Springfield MA
GREATER SPRINGFIELD
Greater Springfield Greater Springfield Branch
1030 Wilbraham Road Springfield MA
UKRAINIAN SELFRELIANCE NEW ENGLAND
Ukrainian Selfrelian Ukrainian Selfrelian Branch
103 North Elm Street Westfield MA
FRANKLIN FIRST
Franklin First Franklin First Branch
57 Newton Street Greenfield MA
WORKERS
Workers' Workers' Branch
815 Main Street Fitchburg MA
I-C
I-c I-c Branch
300 Bemis Road Fitchburg MA
WEBSTER FIRST
Webster First Webster First Branch
271 Greenwood St Worcester MA
ATHOL
Athol Athol Branch
513 Main Street Athol MA
MILLBURY
Millbury Millbury Branch
50 Main Street Millbury MA
SOUTHBRIDGE
Southbridge Southbridge Branch
205 Main St Southbridge MA
WORCESTER
Worcester Worcester Branch
520 West Boylston St Worcester MA
ST. MARY'S
St. Mary's St. Mary's Branch
293 Boston Post Road West Marlborough MA
SHREWSBURY
Shrewsbury Shrewsbury Branch
615 MAIN ST SHREWSBURY MA
HOMEFIELD
Grafton Suburban Grafton Suburban Branch
86 Worcester Street North Grafton MA
ALLCOM
Allcom Allcom Branch
36 Park Avenue Worcester MA
NAVEO
Cambridge Portuguese Cambridge Portuguese Branch
493 Somerville Avenue Somerville MA
COMMUNITY CREDIT UNION OF LYNN
Community Credit Uni Community Credit Uni Branch
1 ANDREW STREET LYNN MA
RIVER WORKS
River Works River Works Branch
947 Western Ave. Lynn MA
SHARON & CRESCENT UNITED
Foxboro Branch Foxboro Branch
121 Main St Foxboro MA
TAUNTON
Taunton Taunton Branch
14 Church Green Taunton MA
FIRST CITIZENS'
First Citizens' First Citizens' Branch
200 MILL RD SUITE 100 FAIRHAVEN MA
ALLTRUST
Southern Mass Southern Mass Branch
123 ALDEN ROAD FAIRHAVEN MA
LUSO
Luso Luso Branch
599 East Street Ludlow MA
UMASSFIVE COLLEGE
Mercy Medical Center Branch Mercy Medical Center Branch
233 Carew St Rm 110 Springfield MA
MASS BAY
Mass Bay Mass Bay Branch
147 West Fourth Street South Boston MA
PIONEER VALLEY
Pioneer Valley Pioneer Valley Branch
246 Brookdale Drive Springfield MA
HOLYOKE
Holyoke Holyoke Branch
490 Westfield Road Holyoke MA
I-C
I-c I-c Branch
300 Bemis Road Fitchburg MA
COMMUNITY CREDIT UNION OF LYNN
Community Credit Uni Community Credit Uni Branch
1 ANDREW STREET LYNN MA
NEW BEDFORD
New Bedford New Bedford Branch
1150 Purchase Street New Bedford MA
ALLTRUST
Southern Mass Southern Mass Branch
123 ALDEN ROAD FAIRHAVEN MA
BAXTER
Marlborough Marlborough Branch
100 Boston Scientific Way Marlborough MA
FIRST TECHNOLOGY
Addison Avenue Addison Avenue Branch
3000 Minuteman Rd.,Bldg. 4 MS 0400 Andover MA
HOLYOKE
Holyoke Holyoke Branch
490 Westfield Road Holyoke MA


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

SAVINGS & CD CALCULATOR

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