Digital Federal Credit Union (DCU)
MA HQLive rate observationsCredit union · Family of member; participating employers/orgs; eligible communities
Visit rate source ↗Coverage directory
Massachusetts lenders we monitor
88 active banks, credit unions and licensed lenders. Institutions without a verified numeric observation remain visible as “rates coming soon.”
Metro Credit Union
MA HQLive rate observationsCredit union · Live/work/school/business in MA (11 counties); NH (Cheshire/Hillsborough/Rockingham)
Visit rate source ↗Workers Federal Credit Union
MA HQLive rate observationsCredit union · Lowell or Worcester MA; participating employers; family/roommate; FFA/United Way paths
Visit rate source ↗Hanscom Federal Credit Union
MA HQLive rate observationsCredit union · Active/retired federal govt employees in MA; partner orgs; mortgages 1-4 fam all states except AK/HI/NM/NY/TX
Visit rate source ↗BrightBridge Credit Union (formerly RTN Federal Credit Union)
MA HQLive rate observationsCredit union · Live/work/volunteer/school in MA (8 counties); NH (Hillsborough/Rockingham); RI (Kent/Providence); 1100+ employer groups; family
Visit rate source ↗Arise Federal Credit Union d/b/a Arise Financial (formerly Rockland Federal Credit Union)
MA HQLive rate observationsCredit union · Family/household of member; Explore Partners employees/members + families; any US state via free American Consumer Council membership
Visit rate source ↗Greylock Federal Credit Union
MA HQLive rate observationsCredit union · "Berkshire County MA; Westfield/Southwick/Granville/Montgomery/Russell MA; Bennington VT; Columbia NY; family"
Visit rate source ↗Cape Cod 5
MA HQLive rate observationsBank · MA (Cape Cod, Islands, Plymouth County); owner-occupied 1-4 family, some second homes
Visit rate source ↗Cambridge Savings Bank
MA HQLive rate observationsBank · MA branches (Cambridge/Somerville/Newton); HELOC covers primary and second homes
Visit rate source ↗Needham Bank
MA HQLive rate observationsBank · MA (disclosures assume MA property, 740 credit, 20% down)
Visit rate source ↗Rockland Trust Company
MA HQLive rate observationsBank · MA and RI
Visit rate source ↗Eastern Bank (replaces acquired Century Bank and Trust Company Medford)
MA HQLive rate observationsBank · MA/NH/RI/CT; 1-4 family primary or secondary; no investment properties
Visit rate source ↗Salem Five Bank
MA HQLive rate observationsBank · MA (34 branches); mortgage subsidiary lends MA/ME/NH/RI/FL
Visit rate source ↗Jeanne D'Arc Credit Union
MA HQLive rate observationsCredit union · ?
Visit rate source ↗Webster First Federal Credit Union
MA HQLive rate observationsCredit union · Live/work/worship/attend school in Essex/Middlesex/Suffolk/Worcester County
Visit rate source ↗Middlesex Savings Bank
MA HQLive rate observationsBank · Central & eastern MA; owner-occupied; 80% LTV quotes
Visit rate source ↗South Shore Bank
MA HQRates coming soonBank · South Shore MA (13 branches); MA legal resident per disclosures
Visit rate source ↗TruNorth Bank (formerly North Shore Bank; successor to Abington Bank footprint)
MA HQRates coming soonBank · TruNorth Mortgage serves MA/CT/neighboring states; branches across MA
Visit rate source ↗Harvard Federal Credit Union
MA HQLive rate observationsCredit union · Harvard affiliates + teaching hospitals + family + select Boston-area census tracts + ACC; owner-occupied primary/secondary
Visit rate source ↗Avidia Bank
MA HQLive rate observationsBank · Central MA (Hudson HQ); no explicit published lending boundary
Visit rate source ↗Coastal Heritage Bank
MA HQLive rate observationsBank · Y
Visit rate source ↗StonehamBank
MA HQLive rate observationsBank · ?
Visit rate source ↗Main Street Bank
MA HQLive rate observationsBank · Max 80% LTV on HELOC/equity; not for investment properties or homes listed for sale within 6 mo
Visit rate source ↗Dedham Savings (Dedham Institution for Savings)
MA HQRates coming soonBank · See lender for eligibility
Visit rate source ↗600 Atlantic Federal Credit Union
MA HQLive rate observationsCredit union · Unknown; Boston HQ 600 Atlantic Ave, MA 02210 (official)
Visit rate source ↗Align Credit Union
MA HQLive rate observationsCredit union · Align membership required; account before closing; $5 deposit; community CU serving Lowell-area MA + Seabrook NH
Visit rate source ↗All One Credit Union
MA HQLive rate observationsCredit union · Members; owner-occupied
Visit rate source ↗Alltrust Credit Union
MA HQLive rate observationsCredit union · Live/work/attend school in Barnstable, Bristol, Dukes, Nantucket, Norfolk, Plymouth counties MA or any RI county; AT&T employees/family
Visit rate source ↗BankFive
MA HQLive rate observationsBank · Open to all; no membership required
Visit rate source ↗BankGloucester
MA HQLive rate observationsBank · Conventional owner-occupied 1-4 family (published limits); HELOC $25k-$500k, <=80% LTV, 10-yr draw/15-yr repay; fixed equity owner-occupied 1-4 family, <=80% LTV, min $15k
Visit rate source ↗Bay State Savings Bank
MA HQLive rate observationsBank · MA/NH owner-occupied/second homes; mortgage examples 20% down, 720 score; equity <=80% CLTV
Visit rate source ↗Bluestone Bank
MA HQLive rate observationsBank · Serves MA, RI, NH
Visit rate source ↗Bristol County Savings Bank
MA HQRates coming soonBank · Southeastern MA and RI homeowners
Visit rate source ↗Cape Ann Savings Bank
MA HQLive rate observationsBank · 1-4 family owner-occupied; min 5% down (own funds); min loan $40,000
Visit rate source ↗Cape & Coast Bank
MA HQLive rate observationsBank · Open to all; Cape Cod focus
Visit rate source ↗Citizens Bank
Licensed in MA (out-of-state)Live rate observationsBank · Branches in MA; rates vary by state/region
Visit rate source ↗City of Boston Credit Union
MA HQLive rate observationsCredit union · Mortgage disclosure: owner-occupied 1-4 unit purchase incl. Suffolk, Norfolk, Middlesex; membership serves 85 eastern-MA towns (town list TBD)
Visit rate source ↗Clinton Savings Bank
MA HQLive rate observationsBank · Owner-occupied primary 1-4 family; <=75% LTV; $10K-$500K
Visit rate source ↗Commonwealth Co-operative Bank
MA HQRates coming soonBank · Open public bank; county confirmation TBD
Visit rate source ↗Cornerstone Bank
MA HQLive rate observationsBank · Owner-occupied 1-4 family, condos, second homes; 680+; <=80% CLTV
Visit rate source ↗Country Bank for Savings
MA HQLive rate observationsBank · MA; owner-occupied; HELOC up to 95% CLTV
Visit rate source ↗Everett Bank (Everett Co-operative Bank)
MA HQLive rate observationsBank · Owner-occupied 1-unit; mortgage examples assume $400k, <=70% LTV, FICO 780+, 45-day lock; HELOC $10k-$250k, 10-yr draw/15-yr repay
Visit rate source ↗Fall River Municipal Credit Union
MA HQLive rate observationsCredit union · CU membership required; check site for FOM
Visit rate source ↗Fidelity Bank
MA HQLive rate observationsBank · MA; $10K-$400K lines; owner-occupied
Visit rate source ↗First Citizens Federal Credit Union
MA HQLive rate observationsCredit union · CU membership required; Fairhaven/SouthCoast community
Visit rate source ↗First Priority Credit Union
MA HQRates coming soonCredit union · Official: lives/works/studies or qualifying orgs in Essex, Middlesex, Norfolk, Suffolk; $5 membership share
Visit rate source ↗Florence Bank
MA HQRates coming soonBank · HELOC: 1-4 unit owner-occupied primary residences/condos, up to 80% combined LTV; fixed mortgages for owner-occupied 1-4 family homes
Visit rate source ↗Freedom Credit Union
MA HQLive rate observationsCredit union · Membership: live/work/school in Hampden, Hampshire, Franklin, Berkshire MA or Hartford/Tolland CT counties, or qualifying family; $5 share; HELOC 1-4 fam owner-occ (<=80%: $10k-$500k), 1-2 fam (80.01-100%: $10k-$250k)
Visit rate source ↗GFA Federal Credit Union
MA HQLive rate observationsCredit union · GFA members; $10 in savings/checking; fixed equity listed at 80.01%-90% LTV
Visit rate source ↗Greenfield Savings Bank
MA HQLive rate observationsBank · 1-4 family owner-occupied; best equity rates require GSB first mortgage; standard fixed table covers 10/15/20/30yr
Visit rate source ↗Greenfield Cooperative Bank
MA HQLive rate observationsBank · 1-2 family owner-occupied; $25,000-$400,000; 10-yr draw / 15-yr repayment
Visit rate source ↗Haverhill Bank
MA HQLive rate observationsBank · Owner-occupied single-family, condo, two-family (mortgage); equity products owner-occupied 1-4 family/condo
Visit rate source ↗Hingham Institution for Savings
MA HQRates coming soonBank · Open public bank; HQ Hingham MA; Boston branches (Beacon Hill, Tremont) serve Suffolk County
Visit rate source ↗IC Federal Credit Union
MA HQLive rate observationsCredit union · Members; owner-occupied primary; CLTV <=80%; $10K min line
Visit rate source ↗Institution for Savings
MA HQRates coming soonBank · MA/NH properties per bank disclosures; $100k-$2M purchase or no-cash-out refi, <=80% LTV in base assumptions on rates page
Visit rate source ↗Leader Bank
MA HQRates coming soonBank · Not captured - verify on official site
Visit rate source ↗Lee Bank
MA HQLive rate observationsBank · Branches in Great Barrington, Stockbridge, Pittsfield, Lenox MA; HELOC: 25-yr max term, 80% max LTV; property insurance required
Visit rate source ↗Liberty Bay Credit Union
MA HQLive rate observationsCredit union · Official Braintree MA HQ; membership eligibility still needed
Visit rate source ↗Lowell Five Bank
MA HQLive rate observationsBank · Primary residence; equity $10k-$750k; 75% CLTV; deposit account required
Visit rate source ↗Martha's Vineyard Bank
MA HQLive rate observationsBank · Open to all; HQ Edgartown, MA
Visit rate source ↗Mass Bay Credit Union
MA HQLive rate observationsCredit union · Official: explicitly includes Middlesex, Suffolk, and Norfolk counties
Visit rate source ↗Members Plus Credit Union
MA HQLive rate observationsCredit union · Third-party: Middlesex/Norfolk/Plymouth/Suffolk counties; HQ Medford third-party; official eligibility + active status TBD
Visit rate source ↗Methuen Co-operative Bank
MA HQLive rate observationsBank · Owner-occupied single family (mortgage, 20% down assumptions); equity generally requires first lien or second lien behind a Methuen Co-op first mortgage, <=80% LTV
Visit rate source ↗MetroWest Community Federal Credit Union
MA HQLive rate observationsCredit union · Unknown; official eligibility not captured; MA HQ not yet verified
Visit rate source ↗Monson Savings Bank
MA HQRates coming soonBank · HELOC: $7,500 minimum, max 80% LTV, 10-yr draw / 15-yr repayment
Visit rate source ↗Naveo Credit Union
MA HQLive rate observationsCredit union · Official eligibility page not yet captured
Visit rate source ↗NBT Bank
Licensed in MA (out-of-state)Live rate observationsBank · HELOC: 1-4 family owner-occupied primary residence or single-family second home; <=80% LTV/CLTV; 700+ Experian FICO; autopay from NBT checking/money market; intro rate requires NBT first-mortgage lien position or $10k+ line increase
Visit rate source ↗New Bedford Credit Union
MA HQLive rate observationsCredit union · CU membership required; New Bedford community
Visit rate source ↗Newburyport Bank
MA HQLive rate observationsBank · MA/NH properties; HELOC $25k-$500k, FICO 680+, <=80% CLTV, owner-occupied 1-4 family
Visit rate source ↗North Brookfield Savings Bank
MA HQLive rate observationsBank · Conventional mortgage; terms beyond APR not disclosed
Visit rate source ↗Bank of Easton
MA HQLive rate observationsBank · Open to all
Visit rate source ↗Pentucket Bank
MA HQRates coming soonBank · Owner-occupied single family/condo; secondary-market guidelines; FICO 700+ for stated rates (660 program min); HELOC $25k-$500k, FICO 680+, <=80% CLTV, MA/NH property
Visit rate source ↗PeoplesBank
MA HQRates coming soonBank · MA & other-states vs CT pricing distinguished; collateral must be primary/second home, not investment property
Visit rate source ↗Pittsfield Cooperative Bank
MA HQLive rate observationsBank · Standard products; FTHB program offered
Visit rate source ↗Reading Cooperative Bank
MA HQLive rate observationsBank · Owner-occupied 1-4 family/condo; HELOC requires initial $25,000 draw
Visit rate source ↗Rollstone Bank & Trust
MA HQLive rate observationsBank · MA/NH; owner-occupied 1-4 family; 680+ score; <=80% CLTV; $25K-$500K
Visit rate source ↗SCU Credit Union
MA HQLive rate observationsCredit union · Official: Middlesex, Norfolk, Suffolk counties; legal name Sharon & Crescent United Credit Union, branded SCU
Visit rate source ↗St. Anne's Credit Union
MA HQLive rate observationsCredit union · CU membership ($5); Fall River area community; NCUA + MSIC insured
Visit rate source ↗The Savings Bank (Wakefield)
MA HQLive rate observationsBank · 1-4 family owner-occupied; equity <=80% LTV; borrower pays ~$876.50 closing costs; HELOC $25 annual fee, $500 prepayment fee if closed in year 1
Visit rate source ↗Total Mortgage Services
Licensed in MA (out-of-state)Live rate observationsLender · MA borrowers; CT HQ; MA branches page published
Visit rate source ↗Tremont Credit Union
MA HQLive rate observationsCredit union · Official: membership + $5 deposit; exact lending geography still needed
Visit rate source ↗UniBank for Savings
MA HQLive rate observationsBank · Primary owner-occupied 1-4 family; <=80% LTV; HELOC requires UniBank lien relationship
Visit rate source ↗Washington Savings Bank
MA HQLive rate observationsBank · Open public bank; HQ 30 Middlesex St, Lowell MA (Middlesex County); FDIC #90229
Visit rate source ↗Westfield Bank
MA HQLive rate observationsBank · Individuals residing or working in MA or CT; 1-4 unit owner-occupied primary residences/condos
Visit rate source ↗Westport Federal Credit Union
MA HQLive rate observationsCredit union · CU membership; serving the SouthCoast
Visit rate source ↗Winchester Savings Bank
MA HQRates coming soonBank · Owner-occupied; product page confirms fixed mortgages, HELOCs, and equity loans (exact eligibility terms not captured)
Visit rate source ↗Worcester Credit Union
MA HQLive rate observationsCredit union · Members ($5 share); HELOC owner-occupied primary 1-4 family, <=80% LTV, $10K min
Visit rate source ↗Wrentham Co-operative Bank
MA HQLive rate observationsBank · Open public bank; Wrentham MA HQ (Norfolk County)
Visit rate source ↗