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

Introduction

Welcome to Mass Bay, where we prioritize our members and their financial well-being. Located at 409 D Street, South Boston, MA 02127, our Seaport Branch is more than just a credit union; it's a community hub dedicated to helping you achieve your financial goals. Since our establishment in 1936, we have grown into a trusted institution with over 18,231 members and assets totaling $358,085,663. At Mass Bay, we understand that each member's needs are unique. That's why we offer a variety of services tailored to support you whether you're looking for checking and savings accounts, auto loans, or personal loans for debt consolidation. Our commitment to providing exceptional service is reflected in our impressive portfolio of 6,060 loans and leases, alongside total deposits reaching $15,785,674. Under the leadership of our CEO, Theresa Dorilas, and Board President, Jeremiah Ahern, we strive to foster an environment of trust and reliability. With a dedicated team of 51 employees, we are here to ensure that your experience is as smooth and beneficial as possible. While members can visit us at our branch location for personalized assistance, official correspondence should be sent to the same address: 409 D Street, South Boston, MA 2127. Whether you need help with online banking or wish to speak with one of our friendly staff members about loan options, feel free to reach out at 617-269-2700. Join us at Mass Bay today and discover how we can support your financial journey! For more information about our services or to open an account online, visit us at Mass Bay Credit Union.

Branch History & Mission

Join Us!

We invite you to experience the benefits of being part of the Mass Bay family. Whether you're looking for auto loans, mortgages, or simply wanting a reliable place for your savings, we have something for everyone. Reach out today at 617-269-2700 or visit us during our operating hours: Monday through Wednesday and Friday from 8:45 AM to 4:15 PM; Thursdays until 6:00 PM. Together, let's build a brighter future! Explore more about what we offer at Mass Bay Credit Union.

Modern Services and Accessibility

As times change, so do we. Our branch embraces digital advancements to ensure that all members have access to modern banking conveniences. With services like online banking and mobile payments available, managing finances has never been easier. Additionally, we prioritize accessibility with ADA-compliant facilities. While we currently do not offer drive-thru service at our branch, we do provide ATM availability for quick cash withdrawals and basic transactions. Our shared service center allows members from partner credit unions to perform deposits and withdrawals conveniently.

Our Mission

At Mass Bay, our mission is simple yet powerful: to provide exceptional financial services while fostering strong community ties. We believe that everyone deserves access to quality banking options that empower them to thrive financially. Whether it's through personal banking solutions like checking and savings accounts or loans tailored to individual needs, we are here to support our members every step of the way. Our commitment extends beyond just financial transactions. We actively engage in community outreach programs and partnerships aimed at uplifting those around us. From educational workshops to support local initiatives, we strive to create a positive impact in South Boston.

Branch Location & Accessibility

Accessibility Features

We understand how important accessibility is for our members. Our branch is fully ADA compliant and features ramps and other accommodations to ensure everyone can visit us comfortably. Plus, there's ample parking available nearby, making it hassle-free to pop in.

Operating Hours

We're here for you during convenient hours: from 8:45 AM to 4:15 PM on Monday, Tuesday, Wednesday, and Friday, with extended hours until 6:00 PM on Thursdays. Whether you need help with personal banking or have questions about loans and services, our friendly staff is ready to assist you during these times.

Services Offered

At the Mass Bay Seaport Branch, we offer a range of services tailored to meet your financial needs. You can easily access personal banking options like checking and savings accounts or explore our auto loans and mortgage services. Plus, if you're a member of another participating credit union, you can take advantage of basic shared branch transactions right here. If you're looking for ATM services, you'll be pleased to know we have an ATM available for quick cash withdrawals and balance checks. While we don't have drive-thru banking at this location, our dedicated team ensures that all in-branch visits are efficient and welcoming. While members can visit us at 409 D Street for all their banking needs, official correspondence should be sent to the same address. Don't hesitate to reach out via phone at 617-269-2700 if you have any questions or need assistance before your visit. We invite you to come by the Mass Bay Seaport Branch today! Experience firsthand how we can support your financial journey with personalized service tailored just for you.

Member Eligibility

At Mass Bay, we believe that everyone deserves a supportive financial community. Joining us is simple and welcoming! If you live, work, worship, or attend school in the South Boston area, you're likely eligible for membership. We also invite immediate family members of current members to join us on this journey. Becoming a member opens the door to a range of benefits, including personalized service, competitive rates on loans and savings, and access to our helpful resources designed just for you. For more detailed information about eligibility criteria, feel free to check out our website at http://www.massbaycu.org/about/membership/. Ready to take the next step? Opening an account with us is quick and easy! You can start your application online through this link: https://app.loanspq.com/apply.aspx?lenderref=massbaycu121019&list=xasast. If you have any questions or need assistance, don't hesitate to reach out by calling us at (617) 269-2700. We're excited to welcome you to the Mass Bay family at 409 D Street South Boston Ma 02127!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine managing your payments effortlessly while serving customers at peak hours. Our merchant services provide just that, enabling you to accept payments quickly and securely. This means more time focusing on what you do best running your business. Discover how Mass Bay can be your partner in success right here at 409 D Street South Boston Ma 02127, South Boston, MA. Reach out at (617) 269-2700 to learn more about how we can help your business thrive!

Tailored Loan Options

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - 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 entrepreneurs and small business owners, we offer comprehensive business banking services, including merchant services and business loans. Starting or growing a business requires access to the right resources, and we are committed to helping local businesses thrive.

Credit Cards

Don't forget about our credit cards with rewards! They're perfect for everyday purchases while earning points or cash back that you can use later. Imagine earning rewards just by buying groceries or filling up your gas tank!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Mass Bay, we prioritize online and mobile banking features. You can manage your accounts from anywhere pay bills, transfer funds, or check your balance all at the touch of a button. Our ATM services allow for quick cash withdrawals and balance checks without hassle.

Home Financing

If homeownership is your goal, look no further than our mortgage loans and refinancing options. We understand that buying a home is a significant decision, which is why we provide personalized guidance throughout the mortgage process. Our team will work with you to find a solution that suits your financial situation.

Lending Solutions

For those unexpected expenses or projects you've been putting off, our personal loans and debt consolidation services can help ease your financial burden. Whether you need funds for home improvements or wish to consolidate existing debts into one manageable payment, we're here to assist you.

Personal Banking

Our personal banking options are designed with you in mind. With checking and savings accounts, managing your finances has never been easier. You can easily set up automatic transfers to save for that dream vacation or manage day-to-day expenses without worry. When it comes to larger purchases, our auto loans and vehicle financing make it simple for you to drive away in the car you want. We offer competitive rates and flexible terms, ensuring that your monthly payments fit comfortably within your budget.

Shared Branching

Additionally, if you're a member of partner credit unions, take advantage of our basic shared branch transactions for deposits and withdrawals right here at Mass Bay! Our commitment extends beyond just banking; we're dedicated to making financial services accessible and user-friendly for everyone in South Boston. If you'd like more information about any of these services or how we can assist you further, please don't hesitate to reach out at 617-269-2700. Ready to take the next step? Visit us at Mass Bay today! Let's work together towards achieving your financial goals!

Digital & Online Banking

At Mass Bay, we understand that managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. Whether you're at home or on the go, our services allow you to take control of your banking needs anytime, anywhere. One of the standout features is our 24/7 Online Banking service, available at https://www.massbaycu.org/. This means you can access your accounts around the clock, whether you're checking balances, transferring funds, or paying bills. Need to send money quickly? Our Person-to-Person Transfers feature makes it simple to send money to friends and family with just a few clicks. For those who prefer managing their accounts on their mobile devices, our Mobile Application provides a user-friendly experience right in your pocket. You can easily make payments using our Mobile Payments feature, ensuring you never miss a chance to pay on time. We also prioritize your financial security. With features like Electronic Signature Authorization, you can sign documents securely from anywhere without needing to visit a branch. Plus, our E-Statements Availability means you can receive your bank statements electronically no more paper clutter! Real-time account management is crucial for staying on top of your finances, and that's exactly what we deliver at Mass Bay. Explore all these convenient options and more by visiting us online at https://www.massbaycu.org/. We're here to help you manage your money efficiently and securely!

Financial Strength

A Dedicated Team at Your Service

Our dedicated team consists of 46 full-time employees and 5 part-time employees who are always ready to assist you with your needs. We pride ourselves on having knowledgeable staff who understand your financial goals.

Member-Centric Savings Solutions

Your savings are secure at Mass Bay. We hold $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.

Reinvesting in Your Future

We believe in reinvesting back into our community. With $37,515,835 in undivided earnings, we continuously improve our services by introducing innovative banking tools and stronger lending options. This commitment helps us serve you better today and tomorrow.

Strong Financial Health

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.

Supporting Your Financial Goals

Whether you're looking for a new car or planning other financial ventures, we're here to help. With $848 in used auto loans and $295,270,817 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Trust Built on Transparency

We maintain transparency with our performance insights sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 409 D Street South Boston Ma 02127 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 flexible options to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $377,517 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, and having access to funds can make all the difference.

Credit Lines and Personal Loans

For those looking for more flexibility, we also offer credit lines with a total of $123,668,588 available to our members. This can be an excellent way to manage unexpected expenses or consolidate debt. If you prefer unsecured credit card options, please note that while currently there are $0 in unsecured credit card loans, we are continuously evaluating ways to enhance our offerings.

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 provide guidance throughout the process, ensuring you understand your choices and find the right loan for your needs.

Refinancing Options

If you're considering refinancing any of your existing loans, we encourage you to reach out. Our team can discuss eligibility options tailored for you and help assess how refinancing could benefit your financial situation. To learn more about our loan offerings or if you have questions, feel free to call us at (617) 269-2700 during our operating hours: Monday-Wednesday and Friday from 8:45 AM to 4:15 PM, and Thursday from 8:45 AM to 6:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey toward better financial health starts here at Mass Bay!

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in what users see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. Instead, it focuses on delivering unbiased results that truly reflect the best options available. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates gathered from multiple institutions, which helps them make informed choices tailored to their financial needs. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective the tool can be in finding optimal loan solutions. To explore your options further, compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This rigorous sourcing ensures that users receive fair and transparent offers, allowing for informed decision-making.

Mass Bay