Mass Bay Credit Union Everett MA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Mass Bay at our Everett branch, where we believe in the power of community and personalized service. Located at 183 Main St, Everett, MA 02149, we've been proudly serving our members since 1936. With a strong commitment to your financial well-being, we're here to support you with tailored solutions that meet your unique needs. As a member of our credit union, you're part of a thriving community of over 18,231 individuals who trust us to help them achieve their financial goals. Our total assets stand at an impressive $358,085,663, reflecting our stability and dedication to supporting our members. We are proud to offer various services including checking and savings accounts, auto loans, mortgage options, personal loans, and even business banking solutions. Under the leadership of our CEO, Theresa Dorilas, and Board President Jeremiah Ahern, our team is focused on ensuring that you receive exceptional service. With 51 employees ready to assist you, we have the expertise needed to guide you through every step of your financial journey. While members can visit us at 183 Main St, official correspondence should be sent to the same address for convenience. If you have any questions or need assistance, don't hesitate to give us a call at 617-269-2700. Join us today and discover how Mass Bay can empower your financial future! For more information about membership or services, please visit our website at Mass Bay Credit Union.

Branch History & Mission

At Mass Bay, we take pride in our rich legacy that began in 1936. Since opening our doors in Everett, MA, we have grown from a small community-focused credit union into a trusted financial partner for over 18,000 members. Nestled at 183 Main St, Everett, MA 02149, our branch is conveniently located near local landmarks and is easily accessible to all who seek financial empowerment. Our mission is clear: to provide exceptional financial services while fostering a strong sense of community. We believe in putting our members first, offering personalized banking solutions tailored to their unique needs. From checking and savings accounts to auto loans and mortgages, we strive to make every interaction meaningful. Our commitment goes beyond just transactions; we are dedicated to supporting our members through financial education and resources. Over the years, Mass Bay has achieved significant milestones. With total assets amounting to $358,085,663, we have established ourselves as a stable and reliable institution. Our dedicated team of 51 employees works diligently to ensure that every member receives the highest level of service. We are proud to offer modern conveniences such as online banking and mobile payments while maintaining traditional services like drive-thru banking and ATM access. While members can visit us at our branch address, official correspondence should be sent to the same address for convenience. Our operating hours are Monday through Friday from 8:45 AM to 4:15 PM, allowing ample time for you to reach out or stop by. At Mass Bay, we recognize the importance of community outreach. We actively engage with local initiatives and partnerships that support those in need. Our shared service center allows us to extend our reach even further, ensuring that everyone can access essential financial services. As we look ahead, we invite you to join us on this journey. Experience the benefits of membership at Mass Bay where your financial goals are our priority. Whether you're looking for personal banking solutions or business services, we're here for you every step of the way. For more information or to become a member, give us a call at (617) 269-2700 or visit us online at Mass Bay Credit Union. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility and Parking

Our branch is fully accessible and equipped with features like ramps for those who need them. We have ample parking available, so finding a spot is never a hassle. Plus, if you prefer not to step inside, we offer drive-thru banking services for quick and easy transactions without leaving your car.

Nearby Landmarks

You'll find us just a stone's throw away from several local landmarks, making it simple to stop by during your day. If you're visiting us after grabbing coffee at the nearby café or while running errands at the local shops, we're right here waiting for you!

Operating Hours

We understand that life can be busy! That's why our lobby hours are designed to fit into your schedule. We're open Monday through Friday from 8:45 AM to 4:15 PM, making it convenient for you to visit us on your way to work or during lunch breaks.

Services Offered

At Mass Bay, we pride ourselves on offering a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our ATM availability ensures you have access to cash whenever you need it, while shared service center options make banking even more accessible for members of partner credit unions. Whether you're looking to open an account or simply want to ask questions about our services, our friendly team is here for you. Feel free to give us a call at 617-269-2700 or stop by today! We look forward to serving you at Mass Bay!

Member Eligibility

At Mass Bay, we believe that everyone deserves a chance to be part of a supportive community. Becoming a member is not just about opening an account; it's about joining a family that values your financial well-being. If you're a resident of our service area, work for one of our partner employers, or are related to a current member, you might be eligible to join us! We pride ourselves on being inclusive and welcoming, so don't hesitate to reach out if you're unsure about your eligibility. You can find more detailed information about the criteria on our website at http://www.massbaycu.org/about/membership/. Once you've confirmed your eligibility, opening an account with Mass Bay is simple and straightforward. Our team is here to guide you through every step of the process, ensuring you feel comfortable and confident as you embark on your financial journey with us. For any questions or assistance, feel free to call us at (617) 269-2700. We can't wait to welcome you into our community at 183 Main St Everett Ma 02149!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Imagine having the ability to accept payments quickly and securely, whether you're at the storefront or on-the-go. Our solutions enhance customer satisfaction by making transactions effortless, allowing you to focus more on what matters growing your business. Located conveniently at 183 Main St Everett Ma 02149 in Everett, MA, we invite you to discover how Mass Bay can support your business journey. For inquiries, feel free to call us at (617) 269-2700. Together, let's unlock your potential!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $377,517, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For local businesses, we provide comprehensive Business Banking services including merchant services and business loans. We know how vital support is for small businesses in Everett and want to ensure you have the tools necessary for success.

Credit Options

Don't forget about our Credit Cards with Rewards! These cards offer great benefits like cashback or points for every dollar spent, perfect for those who enjoy earning rewards while managing their expenses.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Mass Bay, we offer robust Online & Mobile Banking features. From checking balances to transferring funds on-the-go, managing your finances has never been easier. You can access your accounts anytime through our user-friendly mobile app or website. Additionally, our ATM & Cash Withdrawal Services allow you easy access to your cash whenever needed. If you're in a hurry but need to deposit or withdraw funds, take advantage of our Basic Drive-Thru Banking services that simplify these transactions even further.

Home Ownership

Thinking about buying your first home? Our Mortgage Loans & Refinancing services are here to guide you through the process. We understand that homeownership can be daunting, so we're committed to making it as simple and stress-free as possible. If you're looking to consolidate debt or need some extra cash for a personal project, our Personal Loans & Debt Consolidation options can help streamline your finances. This service is particularly useful if you've got multiple payments each month and want to simplify things.

Personal Banking

Starting with personal banking, we offer Checking & Savings Accounts that are designed to help you manage your money efficiently. Imagine having a checking account that makes daily transactions smooth and straightforward while also earning interest on your savings. That's exactly what we provide! For those considering purchasing a new car or refinancing their current vehicle, our Auto Loans & Vehicle Financing options are competitive and flexible. Picture driving off in your dream car without the stress of complicated financing that's our goal for you.

Shared Services

We also understand that sometimes you may need assistance beyond our branch's offerings. With our Basic Shared Branch Transactions available for partner credit union members, you can perform deposits and withdrawals easily. Whether you're stopping by during lobby hours from 8:45 AM to 4:15 PM, calling us at 617-269-2700, or visiting us online at www.massbaycu.org, we're here to support you in achieving your financial dreams. Ready to explore how Mass Bay can serve you better? Stop by today or check out our website for more information on how you can become a member!

Digital & Online Banking

Key Features

Our online banking platform lets you keep track of your accounts in real-time. You can view balances, make transfers, and even pay bills with just a few clicks. For those who prefer to manage their money on the go, our mobile application provides all the functionality you need right in your pocket. Plus, with our mobile payments feature, making purchases is as simple as tapping your phone. If you want to send money quickly to friends or family, our person-to-person transfer service makes it easy. Just enter their information and send funds instantly no cash or checks needed!

Security and Convenience

We prioritize your security with every transaction. While we do not offer electronic signature authorization at this time, our online banking system employs robust security measures to keep your information safe. You can also opt for e-statements to help reduce paper clutter while keeping your financial records organized. At Mass Bay, we aim to provide an accessible and user-friendly experience so that you can focus on what matters most your life! Whether you're checking balances during lunch or transferring funds after hours, we've got you covered. Explore all our digital offerings today at https://www.massbaycu.org/ and take control of your finances like never before!

Financial Strength

At Mass Bay, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We want to assure you that our solid financial foundation positions us well to serve your needs now and in the future. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $38,224,922, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.67% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $77,713,250 in share certificates and $17,404,457 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $37,515,835 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is reflected in the $848 in used auto loans and $295,270,817 in total loans and leases, supporting our members' financial goals across various sectors. Our commitment to efficiency is highlighted by our $460,764, which reflects our operational effectiveness and ability to offer competitive loan rates and solid financial products for our members. We also take pride in having 46 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 31,719, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mass Bay is your trusted partner. Visit us at 183 Main St Everett Ma 02149 or call (617) 269-2700 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $12,379,548 in used vehicle loans and $23,573,003 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $89,261,369. Whether you're looking to purchase your first home or refinance your existing mortgage for better terms, our team is here to guide you every step of the way.

Refinancing Options

If you are considering refinancing your existing loans be it auto loans or mortgages our experts at Mass Bay are here to discuss eligibility options that may save you money and simplify your payments. For business owners looking for capital growth, our outstanding commercial loans totaling $377,517 provide the funding necessary for expansion and development. To learn more about our loan offerings or if you have any questions about eligibility and application processes, feel free to reach out to us at 617-269-2700. You can also visit us at 183 Main St, Everett, MA 02149, where we would be happy to assist you in person. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Mass Bay, we're committed to providing personalized service and competitive rates tailored specifically for our members' needs. Come see how we can help you today!

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans. While currently we have $0 in unsecured credit card loans available, our team is ready to assist you with budgeting and financial planning to ensure you're prepared for any future borrowing needs.

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MASS BAY CREDIT UNION - Everett, MA

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