Join Liberty Bay Credit Union

We deliver a broad selection of banking, lending, and insurance services to meet your needs.

Why Liberty Bay?

As your local community credit union, we believe in putting members first and creating exceptional experiences. We’re not just committed to serving our members through a range of financial services; we’re committed to finding the right services for you and giving you the tools you need to achieve your goals time and time again. While local, we are a part of CO-OP's Shared Branching network, providing access to over 5,000 participating branches nationwide, plus nearly 30,000 surcharge-free ATMs.
Join Us, Won’t You?

Find a Branch | Call: 617-439-6500

Banks operate to generate profits for their stockholders or private owners. As a nonprofit credit union, the only shareholders Liberty Bay answers to are you, our members. Our operations are driven by a dedication to improving our members’ lives, one day at a time. Our profits are invested back into the credit union in the form of better rates and best-in-class digital banking technologies, and our employees are dedicated to creating the best possible member experience every time.

Member Benefits Join Today

Every Dollar Covered, Because Every Dollar Counts.

Your Savings, 100% Protected — Always

At Liberty Bay we put our members first, and that means protecting every dollar they trust us with. That’s why your deposits are fully insured through the combined power of NCUA and MSIC — so whether you have no matter your balance, your money is valuable, no matter your balance, your money is valuable, and it’s protected from the very first dollar.

Why It Matters

NCUA Coverage: The National Credit Union Administration insures deposits up to $250,000.
MSIC Backstop: The Massachusetts Shared Insurance Corporation steps in to insure any amount beyond that, with no cap.

Not all things are Equal: Many large national banks only offer standard FDIC coverage up to $250,000. Once your balance goes beyond that covered amount, those funds are no longer insured. At Liberty Bay, your entire balance is protected, no matter how high, giving you more security – because each and every dollar matters.

Peace of Mind, Built In: You don’t need to do anything special — from day one, your funds are fully covered.

Credit unions have a strong record of protecting members’ deposits. At Liberty Bay, we build on that foundation with no-cost, automatic excess coverage — giving you confidence, peace, and stability.

Key Questions

Question	Answer
Is Liberty Bay insured by the FDIC?	No — we’re not a bank. But every deposit here is insured through NCUA (federal) and MSIC (state) for 100% protection.
Do I need to title my accounts differently if I exceed $250,000?	No. Because of the NCUA + MSIC partnership, all funds are protected regardless of amounts or account types.
Does this cost me anything extra?	Not a penny. This robust coverage is included — always.
Which accounts are covered?	Checking, savings, money markets, CDs/time deposits — all qualify. (Securities and non-deposit investments are excluded.)

How It Works (Examples)

Example A
You hold $200,000 split across checking, savings, and a CD.
→ The entire balance is fully insured under NCUA.

Example B
You hold $500,000 across various deposit accounts.
→ First $250,000 is insured via NCUA; the remaining $250,000 is protected through MSIC — so everything is covered.

For a full breakdown of account types, coverage limits, and joint/retirement/trust accounts — we’re here to help explain.

Freedom From Worry, Built Into Our Promise

At Liberty Bay, all you should worry about is your financial goals — not whether your money is safe. With full, no-limit deposit protection, we give you the freedom to plan confidently, build boldly, and stay anchored in trust.

Becoming a Member

As a Liberty Bay member, you’ll be instantly rewarded with great rates, financial education resources,
premier online and mobile banking services, and more!

Membership Benefits

Shared Branching & CO-OP ATMs

Liberty Bay is part of CO-OP’s Shared Branching network. This network gives you access to over 5,000 participating branches nationwide, plus nearly 30,000 surcharge-free ATMs. Enter your location on the Liberty Bay mobile banking app or visit www.sharedbranching.com to find a shared branch or ATM near you.

Find a Shared Branch

Online Financial Education

At Liberty Bay, we understand the value of knowledge. That’s why we offer free interactive lessons that are fast, fun, and easy to understand through our online portal.

Welcome to Greenpath Financial Wellness

Insurance Discounts

In addition to access to banking and lending products, services, and educational resources, as a member of Liberty Bay Credit Union, you may take advantage of several types of insurance coverage at a discounted rate or no cost to you.

Learn More

Explore Our Personal Banking Products

At Liberty Bay, our checking accounts are designed to give you more every day. No minimum balance requirements. No monthly maintenance fees. Whether you’re looking for an easy-to-use checking account or a Premier checking account that earns you higher rate dividends, we’ve got you covered. Don’t let your savings sit still—take them to the next level with our high-yield account, certificate of deposit, money market or IRA account.