Loan Solutions
Auto Loans
Finance or refinance with our low rate and use your equity to cover other expenses.
Personal Loans
Flexible funding for life’s needs, big or small..
Credit Builder Loans
Establish or rebuild credit with a program designed to strengthen your financial future.
Home Advantage
Mortgage Loans
Whether you’re buying your first home, moving up, or refinancing, Liberty Bay offers competitive mortgage solutions tailored to fit your needs.
Home Equity Solution
Access flexible HELOC or Home Equity Loan options—even during temporary unemployment.
Member Benefits
Skip-A-Payment Program
Pause loan payments up to three times a year without affecting your credit standing.
Membership Benefits
As a member, you'll have access to all our financial products and services, including competitive loan rates, scholarships, and personalized financial guidance. Liberty Bay is here to make your financial life easier.
Scholarship Program
Apply for our $13,000 program, with ten $1,000 awards and two $1,500 essay-based scholarships.
Financial Wellness
Access free counseling, guidance, and resources through GreenPath Financial Wellness.
Frequently Asked Questions
What are the benefits of becoming a Liberty Bay Credit Union member?
As a member, you'll have access to all our financial products and services, including competitive loan rates, scholarships, and personalized financial guidance. Liberty Bay is here to make your financial life easier.
What is the current Auto Refinance rate at Liberty Bay Credit Union?
Our current Auto Refinance/Purchase Rate is 5.74%. This competitive rate, exclusive to members to potentially save money on your existing auto loans or get great financing for new vehicle purchases. Apply today to take advantage of this special rate.
Who is eligible for the Skip-A-Payment program?
Members with eligible loans including Auto Loans, Personal Loans, Boat Loans, RV & Trailer Loans, Motorcycle Loans, and Credit Builder Loans can participate in our Skip-A-Payment program. This program allows you to skip payments on your loans for up to 3 months of your choice without being considered delinquent. Our loan services team is available to answer all your questions. To request a Skip-A-Payment, call us at 617-439-6500 and select option 2, or use our online Skip-A-Pay form.
How do I apply for the Liberty Bay Credit Union Scholarship Program?
Our $13,000 Scholarship Program for 2026 will be opening soon! College-bound members can enter to win one of ten $1,000 general scholarships. Current high school seniors can apply for one of two $1,500 essay-based scholarships: the Jane B. Cella Community Service Award or the Winifred Bolter Community Service Award. To be eligible, students must have their own Liberty Bay account. Visit our scholarship page to learn more and apply when the program opens.
How do I qualify for a HELOC or Home Equity Loan?
Qualified members can draw on the equity in their home through our Home Equity Line of Credit (HELOC) or Home Equity Loan programs. These options are available even if you're temporarily unemployed, providing financial flexibility when you need it most. The qualification process considers factors like your home's equity, credit history, and income. Contact our loan specialists today to discuss your specific situation and apply for these valuable financial tools.
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