Liberty Bay Credit Union
Medium Live/work/school in listed Eastern/Central MA towns (incl. Boston*) · $5
Medium
Who can join: Live, work, or attend school in a listed town in Liberty Bay’s service area (includes Boston neighborhoods as published) · or immediate family/household of a member · or Partner Organization
Min deposit$5 savings deposit to join (published)
Monthly feeConfirm on fee schedule
ATM100,000+ surcharge-free ATMs nationwide (publish
Last verified2026-10-26
Who can joinLive, work, or attend school in a listed town in Liberty Bay’s service area (includes Boston neighborhoods as published) · or immediate family/household of a member · or Partner Organization
How hardMedium
Fees / share$5 savings deposit to join (published)
ATM notes100,000+ surcharge-free ATMs nationwide (published) — confirm locator
- Official name
- Liberty Bay Credit Union
- Charter / type
- NCUA-insured credit union (confirm via NCUA locator). Braintree HQ; site shows NCUA + MSIC branding.
- Field of membership (summary)
- Published Join Us: three paths — Community Member (live, work, or attend school in any towns in the published service-area list, including Boston* with named neighborhoods); Family Member (immediate family/household of a member as defined); or Partner Member (employed by or member of a Partner Organization). Opening savings with a $5 deposit establishes membership.
- Join steps (as published)
- Verify your town against Liberty Bay’s published towns list (or family/partner path). Open savings with a $5 deposit online, by phone, or in branch via lbcu.org. Have SSN, government ID, and email ready.
- Fees (only if published)
- Published: open a savings account and maintain a balance of $5. Other product fees: confirm on current disclosures (not invented here).
- ATM / network notes
- Published marketing: access to over 100,000 surcharge-free ATMs nationwide — confirm locator and fees on lbcu.org.
- Branches serving Greater Boston
- Braintree, Hingham, Scituate — use lbcu.org locations. Do not invent addresses.
- Caveats
- Community path is a town list (not county-wide FOM) — Medium address-check. Boston* coverage is the published neighborhood list. Insurance: Publishes NCUA federal share insurance (typically to NCUSIF limits) plus MSIC Massachusetts excess coverage above NCUA limits — MSIC is not ASI and is not a substitute for NCUA. Confirm current insurer language on the CU site and via the NCUA locator. CIP applies.
- Join difficulty rationale
- Medium — published community path includes Boston and many Eastern MA towns, but eligibility is town-list based — Medium.
Sources
Not a guarantee: Meeting the published field of membership does not mean you will be approved. Credit unions still run identity checks (CIP) and their own account rules.
Last verified: 2026-10-26 (America/Los_Angeles). Confirm eligibility and fees on the credit union’s site before applying.