Mass Bay Credit Union

Mass Bay Credit Union is a not-for-profit, member-owned financial institution with a branch in Everett, part of a small network that also includes South Boston, Quincy and the Seaport. It offers checking and savings accounts, auto loans and refinancing, mortgages, home equity lines of credit and personal loans, along with online and mobile banking. Members get free financial education and member discounts, and checking comes with unlimited transactions and nationwide access.

The credit union began in 1936 as a credit union for MBTA employees and later opened membership to the wider community under the Mass Bay name. Its guiding motto is “People Helping People.” Because it is owned by members, every account holder gets a vote in choosing its leadership, and net income goes back into competitive rates, lower fees, technology and community programs.

What to Know

• Membership is open to anyone who lives, works, studies or belongs to a labor organization in Norfolk, Suffolk or Middlesex County, plus several other South and North Shore towns.
• Current and former employees of the MBTA, MassDOT-affiliated entities, the Massachusetts State Police and Keolis are eligible, as are their immediate families.
• Accounts can be opened by U.S. citizens and permanent residents.
• The Everett branch is a member of the Everett Chamber of Commerce.