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Your Trusted Partner for Financial Solutions in Braintree, MA
Liberty Bay Credit Union has served its members with a commitment to financial excellence and community support since its establishment. As a member-owned, nonprofit financial institution, we prioritize people over profits, reinvesting earnings into competitive rates, advanced digital banking solutions, and personalized service. Our team of dedicated professionals brings decades of combined experience in delivering tailored financial products, including home loans, auto financing, savings accounts, and credit cards, while maintaining a strong focus on financial education and wellness.We adhere to the highest standards of transparency and ethical practices, ensuring our members receive reliable, fee-conscious services backed by federal insurance. Through local decision-making and a deep understanding of our communities, we strive to empower members to achieve their financial goals while fostering sustainable growth and trust.
Services
Home Loans
Auto Loans
Credit Cards
Savings Accounts
Personal Loans
Mortgage Refinance
Checking Accounts
Home Equity Loans
Business Banking
Financial Counseling
Highlights and features
- We are a member-owned credit union focused on community financial wellness.
- Our local underwriting ensures personalized mortgage decisions tailored to the Massachusetts market.
- We offer competitive rates on auto loans with up to 100% financing available.
- Our High Yield Savings account provides superior returns with federal insurance.
- We provide 24/7 digital banking access with advanced security features.
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Home Loans
Liberty Bay offers personalized home loan solutions with competitive rates and local underwriting expertise. Our mortgage specialists guide members through the process of purchasing or refinancing residential properties. We provide fixed-rate, adjustable-rate, and first-time homebuyer programs with closing cost assistance available.
Auto Loans
We provide financing for new and used cars, boats, and RVs with rates starting at 5.49% APR. Our auto loans offer up to 100% financing and flexible terms to accommodate various budgets. Members can also add GAP coverage for comprehensive protection.
Credit Cards
Our credit card portfolio includes rewards, cashback, and secured options designed to meet different financial needs. Features include EMV chip security, zero fraud liability, and 24/7 card management through the CardValet app for enhanced control and protection.
Savings Accounts
We offer multiple savings solutions including traditional, high-yield, and club accounts with competitive interest rates. Members benefit from federal insurance up to $250,000, mobile banking access, and seamless integration with checking accounts for overdraft protection.
Business Banking
Our business banking division provides checking accounts, loans, and credit cards tailored to commercial needs. Services include SBA loans, commercial real estate financing, and digital tools like business online banking with integrated payment solutions and financial management resources.
People
John P. Barron
President and Chief Executive Officer
John P. Barron leads Liberty Bay Credit Union with over 25 years of financial leadership experience. He focuses on strategic growth, member satisfaction, and community development initiatives.
Joseph A. Bears
Senior Vice President, Chief Information Officer
Joseph A. Bears oversees technology strategy and digital transformation with 20+ years in financial services IT. He ensures secure, innovative banking solutions for members and staff.
Mark W. Constable
Senior Vice President, Chief Compliance and CRA Officer
Mark W. Constable directs compliance and community reinvestment efforts, bringing 18 years of regulatory expertise to ensure ethical practices and community-focused lending programs.
Questions
How do I qualify for membership at Liberty Bay?
Membership requires living or working in specific Massachusetts communities. Detailed eligibility criteria can be found on our website or by contacting our member services team.
What home loan programs are available for first-time buyers?
Our First-Time Homebuyer Program offers a $1,500 credit toward closing costs with competitive rates and flexible underwriting standards tailored for new homebuyers.
How can I access mobile banking features?
Download our native iOS or Android app to access remote check deposit, bill pay, account transfers, and real-time balance monitoring from any mobile device.
What protections are included with debit cards?
Our Visa Debit Cards include CardValet for transaction controls, zero fraud liability, and 24/7 card management features to enhance security and prevent unauthorized use.
How do I apply for hardship assistance programs?
Contact our member services team to discuss Emergency Loan Program options and documentation requirements for hardship-related financial support during government shutdowns or other crises.
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