Consumer Loans


*APR = Annual Percentage Rate. APR is based on loan amount of $2,500 repaid over a 12-month term. Payment per $1,000.00 for 12 months at 8.95% is $87.44 per month. Total loan line limits of $25,000 apply. Rate effective as of 5/15/17, based on creditworthiness and subject to credit approval. Minimum FICO score of 640 is required. Certain restrictions may apply. See credit union for complete details. Must apply on or by 8/15/17. Offer subject to change without notice. Membership required. $5 minimum deposit required at the time of membership.

Liberty Bay Credit Union offers a full range of low rate, flexible consumer loans to help our members achieve their financial goals. How much can you afford to borrow? Use our Loan Calculator to help you estimate your monthly payments.

Auto Loans


At Liberty Bay Credit Union, we offer low rates, prompt service, pre-approvals, and financing for cars, trucks, and vans. Also, automatic payments can be conveniently arranged from a Liberty Bay Credit Union account. Liberty Bay also offers low rate options for Auto Refinance Loans that will help you lower your monthly payment.

Home Equity Lines of Credit


Liberty Bay's Home Equity Line of Credit gives you an instant cash reserve to draw on as you need it. You're free to use it to make home improvements, major purchases, consolidate debt, finance an education, take a trip...whatever you like whenever you want it. Better yet, our variable interest rate, which is indexed to the Prime Rate, is one of the lowest rates around.

Fixed Rate Home Equity Loans


If you have a specific project in mind or need money for other purposes, then one of these loans might be right for you.

Education/Student Loans


Whether you're choosing a college in the Greater Boston area, or heading to the West Coast, we can help you with college or graduate school costs with a Stafford Loan, a PLUS Loan, or a SLS Loan. Come in and talk to us about the many ways you can finance higher education.

Savings Secured Loans, MMDA Secured Loans, and Certificate Loans


These loans use the funds in your Savings account, Money Market account, or Term Certificate as collateral for a short-term, low-rate personal loan. The term on a Term Certificate loan must be less than or equal to the remaining term on the certificate.

Personal Loans


With a personal loan from Liberty Bay Credit Union, you'll have the funds to purchase a new household appliance, take a well-deserved vacation, or fulfill just about any other loan need you may have. And you can do it all for less that you'd pay with a higher rate credit card.

Don't forget to check out our great loan rates.

Need more information?


Send our Loan Department an e-mail, complete our feedback form, or give us a call at (617) 439-6500.

You can also visit any of our convenient branch locations in Boston, Braintree or Woburn to learn more about all of your lending options.