Liberty Bay Credit Union

Headquarters

300 Granite St Fl 3
Braintree, MA 02184
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 5.50% →
1-Year CD 0.55% 4.80% →
2-Year CD 0.75% 4.25% →
5-Year CD 1.05% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Liberty Bay is an NCUA insured institution located in Braintree, MA. It was founded in 1917 and has approximately $800.58 millions in assets.

Who can join?

Liberty Bay Credit Union is open to anyone in the Greater Boston area who lives, works, or goes to school in any of these towns:

Abington, Cohasset, Lexington, Pembroke, Walpole, Arlington, Dedham, Malden, Plainville, Waltham, Avon, Dover, Marshfield, Plymouth, Watertown, Bellingham, Duxbury, Medfield, Plympton, Wellesley, Belmont, East Bridgewater, Medford, Quincy, West Bridgewater, Boston, Everett, Medway, Randolph, Weston, Braintree, Foxboro, Melrose, Reading, Westwood, Bridgewater, Franklin, Millis, Revere, Weymouth, Brockton, Halifax, Milton, Rockland, Whitman, Brookline, Hanover, Needham, Scituate, Wilmington, Burlington, Hanson, Newton, Sharon, Winchester, Cambridge, Hingham, Norfolk, Somerville, Winthrop, Canton, Holbrook, North Reading, Stoneham, Woburn, Carver, Hull, Norwell, Stoughton, Wrentham, Chelsea, Kingston, Norwood, Wakefield

*Includes: Allston, Back Bay, Bay Village, Beacon Hill, Brighton, Charlestown, Chinatown, Dorchester, Downtown, East Boston, Fenway, Kenmore, Hyde Park, Jamaica Plain, Mattapan, Misson Hill, North End, Roslindale, Roxbury, South Boston, South End, West End, and West Roxbury

Even if you don't meet the above criteria for membership at Liberty Bay Credit Union, you can still become a member if you work for a phone company, or any company that provides technologies for the purpose of the transmission and the processing of information, voice, data, and video.

NCUA Insured Yes / State-Chartered
Charter Number # # 67541
Date Established 1917
Assets $800.58 million
Loans $631.19 million
Deposits $545.23 million
Capital $116.33 million
 

Field of Membership Restrictions

Membership in Liberty Bay Credit Union is open to those who live in the Boston-area towns of Abington, Arlington, Avon, Bellingham, Belmont, Boston (Allston, Back Bay, Bay Village, Beacon Hill, Brighton, Charlestown, Chinatown, Dorchester, Downtown, East Boston, Fenway, Kenmore, Hyde Park, Jamaica Plain, Mattapan, Misson Hill, North End, Roslindale, Roxbury, South Boston, South End, West End, West Roxbury,), Braintree, Bridgewater, Brockton, Brookline, Burlington, Cambridge, Canton, Carver, Chelsea, Cohasset, Dedham, Dover, Duxbury, East Bridgewater, Everett, Foxboro, Franklin, Halifax, Hanover, Hanson, Hingham, Holbrook, Hull, Kingston, Lexington, Malden, Marshfield, Medfield, Medford, Medway, Melrose, Millis, Milton, Needham, Newton, Norfolk, North Reading, Norwell, Norwood, Pembroke, Plainville, Plymouth, Plympton, Quincy, Randolph, Reading, Revere, Rockland, Scituate, Sharon, Somerville, Stoneham, Stoughton, Wakefield, Walpole, Waltham, Watertown, Wellesley, West Bridgewater, Weston, Westwood, Weymouth, Whitman, Wilmington, Winchester, Winthrop, Woburn, or Wrentham, Massachusetts.

Deposit Rates - November 4, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
Premium Money Market Account
0.20% $10,000 $14,999 Learn More
Premium Money Market Account
0.30% $25,000 $34,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.65% $10,000 $14,999 Learn More
18 Mo CD
0.65% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
30 Mo CD
0.80% $10,000 $14,999 Learn More
30 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
0.95% $10,000 $14,999 Learn More
36 Mo CD
0.95% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.05% $10,000 $14,999 Learn More
60 Mo CD
1.05% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 4, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Liberty Bay

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
District Lending
NMLS ID: 1835285
6.380% 6.250% 0.88 $4,400 $1,971 Learn More
PenFed Credit Union
NMLS ID: 401822
6.818% 6.625% 1.00 $6,400 $2,049 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.984% 6.875% 0.88 $3,545 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.200% 7.125% 0.75 $2,400 $2,156 Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.490 %
After Intro: 7.490 %
$0 Learn More
More Info

Note to Liberty Bay
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Liberty Bay branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio


Liberty Bay Locations around zip code 43085




Climate Policy and Initiatives

LIBERTY BAY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Liberty Bay Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Liberty Bay. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Liberty Bay U.S. Average
1.54% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Liberty Bay had $1,738,577 in non-current loans and $96,430 in owned assets. To cover these potential losses it had $116,325,488 in net worth and $3,165,690 in loans loss reserves. That gives it a Texas Ratio of 1.54%.

Net Worth
Liberty Bay U.S. Average
14.53% 13.93%

Liberty Bay FCU has a net worth of 14.53% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Liberty Bay

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