Home state: Massachusetts
    Lends in 1 state

    MASS BAY mortgage rates

    MASS BAY's lowest publicly advertised 30-year fixed rate today is 7.085% APR — the national average is 7.147%. That's about $6,024 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read MASS BAY's rates every weekday, starting around 11 a.m. Central.

    We last read MASS BAY's rates page on Nov 2, 2026. MASS BAY dates its published rate sheet Oct 15, 2026.

    Today's rates from MASS BAY

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.085%—Nov 2, 2026
    Lender's sheet dated Oct 15, 2026
    Visit
    15 Year Fixed6%6.118%—Nov 2, 2026
    Lender's sheet dated Oct 15, 2026
    Visit
    5 Year ARM5.75%6.568%—Nov 2, 2026
    Lender's sheet dated Oct 15, 2026
    Visit

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join MASS BAY

    Mass Bay Credit union serves anyone who lives, works, or attends school in Norfolk, Suffolk, or Middlesex Counties, as well as several specific cities including Brockton, Lynn, and Peabody. Employees of the MBTA, MassDOT, Keolis, and the Massachusetts State Police, along with their immediate family members, are also eligible to join.

    Employer
    MBTA, MassDOT, Massachusetts State Police, Keolis
    County
    Norfolk County, MA, Suffolk County, MA, Middlesex County, MA
    City
    Abington, MA, Brockton, MA, Hanover, MA, Hingham, MA, Lynn, MA, Marshfield, MA, Norwell, MA, Peabody, MA, Rockland, MA, Saugus, MA, Scituate, MA, Whitman, MA

    Where MASS BAY writes mortgages

    MASS BAY publishes mortgage lending in 1 state.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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