Mass Bay Credit Union Quincy MA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Mass Bay, your trusted partner in financial wellness, located at 1250 Hancock St, Quincy, MA 02169. Established in 1936, we have proudly served our community for over 85 years, ensuring that our 18,231 members receive the support they need to achieve their financial goals. With total assets of $358,085,663 and deposits amounting to $15,785,674, we are committed to providing secure and reliable banking services tailored for you. At Mass Bay, we understand that every member's journey is unique. Our dedicated team of 51 employees, led by CEO Theresa Dorilas and Board President Jeremiah Ahern, is here to guide you through a variety of personal and business banking solutions. From checking and savings accounts to auto loans and mortgages, we have something for everyone. While you can visit us at our branch location for personalized service, please note that any official correspondence should be sent to the same address: 1250 Hancock St, Quincy, MA 2169. We invite you to explore our website at massbaycu.org for more information on our services or simply call us at 617-269-2700 if you have questions. Join us in fostering a stronger community through financial empowerment and discover how Mass Bay can help you thrive today!

Branch History & Mission

Commitment to Innovation

As we move forward into an increasingly digital world, Mass Bay remains committed to improving our services through technology. Our online and mobile banking options make it easy for members to manage their finances anytime and anywhere. We ensure that our facilities are ADA compliant, providing accessibility for all members of our community. While you can visit us at 1250 Hancock St, please note that official correspondence should be sent to the same address as our mailing address: 1250 Hancock St, Quincy, MA 2169.

Join Us

We invite you to be part of the Mass Bay family! Experience firsthand how we can help you achieve your financial dreams while also making a positive impact in the community. Stop by during our operating hours from 8:45 AM to 4:15 PM on weekdays or give us a call at 617-269-2700 for more information about membership and services. Together, let's build a brighter financial future!

Our Mission

Our mission is simple yet powerful: to provide accessible and affordable financial services while fostering a strong sense of community. We believe that everyone deserves a fair chance at financial stability and success. With total assets of over $358 million, we are equipped to offer a wide range of services tailored to meet the unique needs of our members. From personal banking solutions like checking and savings accounts to auto loans and mortgages, our goal is to empower every member with the tools they need to thrive. We also recognize the importance of being there for our community beyond just banking. Our partnerships with local organizations allow us to support various outreach programs that uplift those in need within Quincy and surrounding areas.

Branch Location & Accessibility

Branch Features

At Mass Bay, we prioritize accessibility for everyone. Our location features ample parking, including accessible spaces for those who need them. Inside, you'll find that we are committed to ADA compliance, ensuring a welcoming environment for all visitors.

Operating Hours & Services

Our doors are open Monday through Friday from 8:45 AM to 4:15 PM, providing flexible hours for your banking needs. While we do not have a drive-thru service, our lobby is ready to assist you with a variety of services. You can enjoy personal banking options such as checking and savings accounts, auto loans, mortgage refinancing, and even business banking services. For added convenience, we offer ATM access right at our location. Whether you need to withdraw cash or check your balance, we've got you covered! While members can visit us at 1250 Hancock St, official correspondence should be sent to the same address since it serves as our mailing address too. If you have any questions or need assistance, don't hesitate to reach out to us at 617-269-2700. We're here to help! Come visit Mass Bay today and discover how we can support your financial journey!

Member Eligibility

Becoming a member of Mass Bay means joining a welcoming community that truly cares about your financial journey. If you're wondering about eligibility, you're in for a pleasant surprise! At Mass Bay, anyone who lives, works, worships, or attends school in the Quincy area can apply to be part of our family. This means you're not just gaining access to great financial services; you're joining a supportive network that prioritizes your needs and goals. For those looking to open an account, the process is straightforward and friendly. You can find all the details you need at http://www.massbaycu.org/about/membership/, which also provides updated criteria for membership. Should you have any questions or want to learn more, don't hesitate to reach out at (617) 269-2700. We're excited to welcome you to Mass Bay at 1250 Hancock St Quincy Ma 02169!

Business Banking & Commercial Services

Business Loans That Make a Difference

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.

Practical Merchant Services

In addition to loans, our merchant services provide essential tools for everyday operations. Picture this: you can accept payments quickly and securely, manage transactions effortlessly, and focus on what really matters growing your business. Our services are designed to simplify the payment process so that you can serve your customers better. Located at 1250 Hancock St Quincy Ma 02169 in Quincy, MA, we are dedicated to being a partner in your success. Contact us at (617) 269-2700 or visit our website at https://www.massbaycu.org/ to learn more about how we can assist your business today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options can help you hit the road without breaking the bank. We offer competitive rates that cater to various budgets, ensuring you drive away in the vehicle of your choice with ease.

Business Banking Services

For those who run their own businesses, Mass Bay offers comprehensive business banking services including merchant services and business loans. We recognize the unique needs of local businesses and strive to provide solutions that foster growth and success.

Convenient Access Points

We also make it easy for you to manage your finances with our ATM services available at the branch. You can perform basic transactions such as withdrawals and balance checks anytime you need cash. Plus, for members of partner credit unions, we offer basic shared branch transactions allowing deposits and withdrawals as needed. At Mass Bay, we prioritize convenience without compromising on service quality. Our friendly staff is ready to assist you during lobby hours from 8:45 AM to 4:15 PM, Monday through Friday. You can reach us at 617-269-2700 for any inquiries or assistance. We invite you to experience all that Mass Bay has to offer! Explore our services today by visiting us online at Mass Bay Credit Union or stop by our branch in Quincy. Let us help you achieve your financial goals!

Home Financing Options

If owning a home is on your horizon, explore our mortgage loans and refinancing options. Our team is here to guide you through the process, making it as smooth as possible. We understand that buying a home is a significant commitment, and we're dedicated to helping you find the right loan to suit your financial situation.

Personal Banking Solutions

In today's fast-paced world, managing your finances should be straightforward. That's why at Mass Bay, we offer checking and savings accounts that fit your lifestyle. Imagine being able to easily access your funds through our convenient online and mobile banking platforms. With features like mobile payments and secure e-statements, keeping track of your finances has never been simpler.

Personal Loans & Credit Cards

Need extra cash for unexpected expenses? Our personal loans are designed to provide quick access to funds when you need them most. Additionally, consider our credit cards with rewards, which not only give you purchasing power but also allow you to earn points on every dollar spent.

Digital & Online Banking

Mobile Banking Made Simple

For those who like to bank from their smartphones, our mobile application is available for download. It provides all the features you need at your fingertips check balances, make deposits, and even set up mobile payments for quick transactions. You can also send money to friends and family easily with our person-to-person transfer feature. Say goodbye to the hassle of cash or checks!

Safety First

Your security is our priority. While we do not offer electronic signature authorization at this time, we ensure that all online transactions are protected with state-of-the-art encryption technology. This way, you can feel confident that your personal information is safe as you navigate through our digital services. In a nutshell, Mass Bay offers an array of user-friendly digital banking options that fit seamlessly into your lifestyle. Join us today to experience hassle-free banking that keeps you connected to your finances whenever you need it!

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 are committed to maintaining robust financial health, ensuring that you can trust us with your savings and loans. 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 $1,067 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. We also have $37,515,835 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is impressive; with $848 in used auto loans and $295,270,817 in total loans and leases, we support members' financial goals across various sectors. Even more encouraging is our ability to generate income. Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 46 full-time employees and 5 part-time employees who are ready to assist you with their knowledge and commitment. Our net shares available for lending stand at $0, while the total share accounts number an impressive 31,719, showing a strong and growing member base that trusts us with their finances. 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 1250 Hancock St Quincy Ma 02169 or call (617) 269-2700 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Services

For those looking for business financing, our outstanding commercial loans totaling $377,517 provide the capital needed to grow and expand. Additionally, our total credit lines amount to $123,668,588, offering flexibility for various financial needs. At Mass Bay, our commitment is not just about lending; it's about providing support and guidance throughout your financial journey. If you're interested in refinancing options or checking your eligibility for any of our loan products, please don't hesitate to reach out. Feel free to contact us at (617) 269-2700 or visit us at 1250 Hancock St Quincy MA 02169 for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how Mass Bay can assist you in achieving your financial aspirations today!

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. We provide flexible terms and competitive rates for both new and used vehicles. Financing your dream ride has never been easier!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $89,261,369, make buying or refinancing simple. We offer tailored solutions to meet your specific needs, making it easier for you to secure your future home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, helping members manage their finances effectively. Although currently our total in unsecured credit card loans is $0, we are always here to discuss available options and how they might benefit you.

Loan Aggregator

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Mass Bay