Liberty Bay Credit Union Welcomes IBEW 2222 Members

We're so happy that you're here. We have limited-time, exclusive member benefits just for IBEW 2222 members!

Become a Member
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Trusted by Union members across Greater Boston

Rainy Day Savings

Liberty Bay Credit Union is Here for You!

As your contract year approaches in August 2026, now’s the time to start preparing for the road ahead. Even a small weekly amount can make a big difference — set up a Rainy Day Savings today. Have questions on which rainy day is the best fit - reach out to us and we will walk you thru the best options.

And remember — if you ever face an unexpected expense, visit our hardship page to explore our Skip-a-Pay option or apply for our $2,500 Emergency Fund Loan.

Liberty Bay is proud to stand with Local 2222 — today and every day.

Membership Benefits

Members enjoy exclusive financial advantages and services designed to help you achieve your financial goals.

Apply for a Personal Loan

Auto Refinance/Purchase

Take advantage of our competitive rate on auto loans. Rates as low at 5.49% APR*. Whether you're looking to purchase a new vehicle or refinance your current loan, we offer affordable financing options to help you save money. Qualified members can also leverage their vehicle equity to help pay other expenses.

Apply for an Auto Loan

*APR – Annual Percentage Rate. Rate is subject to change and based on creditworthiness. Rate of 5.49% listed is for a 36 month term. For every $1,000 borrowed at 5.49% APR for 36 months, you would pay $30.33. Not all applicants will qualify for the lowest rate.

Loan Solutions

Auto Loans as low as 5.49%*

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

Serving local trade and union workers since 1917. Bank local with someone who you can trust.

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 5.49%. This competitive rate, exclusive to members like you 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.

Ask an Expert

Have questions or need assistance? Fill out the form below, and our team will get back to you shortly. We're here to help!