Mass. Institute of Tech. Credit Union

Lexington, Massachusetts
Last verified: August 12, 2026
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Current Mass. Institute of Tech. Credit Union rates

60 published offers verified as of August 12, 2026.

How we verify rates

Mortgage rates

6 offers
Mass. Institute of Tech. Credit Union mortgage rates as of August 12, 2026
ProductPublishedRateTerm / conditionStatus
Long-Term Government Bondsother5.100% APR5.100%—Standard
2024 Federal Taxable Income Brackets and Rates (for returns due in April 2025)other10.000% APR10.000%—Standard
2024 Federal Taxable Income Brackets and Rates (for returns due in April 2025) ($0 - $16,550)other10.000% APR10.000%—Standard
U.S. Large-Company Stocksother10.300% APR10.300%—Standard
U.S. Small-Company Stocksother11.800% APR11.800%—Standard
2024 Federal Taxable Income Brackets and Rates (for returns due in April 2025) ($16,551 - $63,100)other12.000% APR12.000%—Standard

Auto & vehicle rates

22 offers
Mass. Institute of Tech. Credit Union auto & vehicle rates as of August 12, 2026
ProductPublishedRateTerm / conditionStatus
U.S. Treasury Billsauto3.300% APR3.300%—Standard
36-Month Motorcycle Loanmotorcycle_any_36mo4.750% APR4.750%36 moStandard
48-Month Motorcycle Loanmotorcycle_any_48mo5.000% APR5.000%48 moStandard
Mobility Vehicle Loan Rates (36 Months)auto_any_36mo5.000% APR5.000%36 moStandard
Mobility Vehicle Loan Rates (48 Months)auto_any_48mo5.000% APR5.000%48 moStandard
60-Month Auto Loanauto_any_60mo5.000% APR5.000%60 moStandard
Mobility Vehicle Loan Rates (60 Months)auto_any_60mo5.000% APR5.000%60 moStandard
60-Month New Auto Loanauto_new_60mo5.000% APR5.000%60 mo · newStandard
60-Month Used Auto Loanauto_used_60mo5.240% APR5.240%60 mo · usedStandard
60-Month Motorcycle Loanmotorcycle_any_60mo5.250% APR5.250%60 moStandard
72-Month Auto Loanauto_any_72mo5.380% APR5.380%72 moStandard
72-Month Motorcycle Loanmotorcycle_any_72mo5.500% APR5.500%72 moStandard
Mobility Vehicle Loan Rates (72 Months)auto_any_72mo5.750% APR5.750%72 moStandard
84-Month Motorcycle Loanmotorcycle_any_84mo5.750% APR5.750%84 moStandard
84-Month Auto Loanauto_any_84mo6.630% APR6.630%84 moStandard
Mobility Vehicle Loan Rates (84 Months)auto_any_84mo7.000% APR7.000%84 moStandard
Used Boats & Utility Trailersboat_used_60mo7.500% APR7.500%60 mo · usedStandard
New Boats & Utility Trailersboat_new_60mo7.500% APR7.500%60 mo · newStandard
60-Month RV Loanrv_any_60mo7.500% APR7.500%60 moStandard
84-Month RV Loanrv_any_84mo7.750% APR7.750%84 moStandard
Mobility Vehicle Loan Rates (96 Months)auto_any_96mo8.000% APR8.000%96 moStandard
180-Month RV Loanrv_any_180mo8.250% APR8.250%180 moStandard

HELOC rates

7 offers
Mass. Institute of Tech. Credit Union heloc rates as of August 12, 2026
ProductPublishedRateTerm / conditionStatus
5-Year Home Equity Loan (Fixed)heloc_fixed6.750% APR6.750%—Standard
5 Year Draw Periodheloc6.750% APR6.750%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed6.750% APR6.750%—Standard
HELOCheloc6.750% APR6.750%—Standard
10 Year Draw Periodheloc7.000% APR7.000%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed7.000% APR7.000%—Standard
20-Year Home Equity Loan (Fixed)heloc_fixed7.250% APR7.250%—Standard

Personal loan rates

13 offers
Mass. Institute of Tech. Credit Union personal loan rates as of August 12, 2026
ProductPublishedRateTerm / conditionStatus
Savings Secured (Frozen Share)personal_secured_60mo5.250% APR5.250%60 moStandard
12-Month Unsecured Personal Loanpersonal_unsecured_12mo6.500% APR6.500%12 moStandard
Accessibility Lifestyle Loanpersonal_unsecured_12mo8.000% APR8.000%12 moStandard
24-Month Unsecured Personal Loanpersonal_unsecured_24mo8.250% APR8.250%24 moStandard
Rental Assistancepersonal_unsecured_12mo8.250% APR8.250%12 moStandard
Personal Loan + Co-Application/Guarantor Loanpersonal_unsecured_12mo8.500% APR8.500%12 moStandard
36-Month Unsecured Personal Loanpersonal_unsecured_36mo8.500% APR8.500%36 moStandard
48-Month Unsecured Personal Loanpersonal_unsecured_48mo8.750% APR8.750%48 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo9.000% APR9.000%60 moStandard
12-Month Credit Builder Loanpersonal_unsecured_12mo9.250% APR9.250%12 moStandard
12-Month Secured Personal Loanpersonal_secured_12mo9.250% APR9.250%12 moStandard
Personal Line of Creditploc_variable10.000% APR10.000%—Standard
Express Loanpersonal_unsecured_12mo17.750% APR17.750%12 moStandard

Student loan rates

1 offer
Mass. Institute of Tech. Credit Union student loan rates as of August 12, 2026
ProductPublishedRateTerm / conditionStatus
Tuition Assistance Loanstudent8.500% APR8.500%—Standard

Savings & CD rates

3 offers
Mass. Institute of Tech. Credit Union savings & cd rates as of August 12, 2026
ProductPublishedRateTerm / conditionStatus
High Yield Savingssavings2.90% APY2.90%—Standard
Active Alert: (Rates as high as)savings3.25% APY3.25%—Standard
Certificatecd3.25% APY3.25%—Standard

Other rates

8 offers
Mass. Institute of Tech. Credit Union other rates as of August 12, 2026
ProductPublishedRateTerm / conditionStatus
Inflationother2.900% %2.900%—Standard
10-Year U.S. Inflation: Average 1.9%other4.100% %4.100%—Standard
eBike Loan Rates (36 Months)other8.000% %8.000%—Standard
eBike Loan Rates (48 Months)other8.750% %8.750%—Standard
eBike Loan Rates (60 Months)other9.000% %9.000%—Standard
2024 Federal Taxable Income Brackets and Rates (for returns due in April 2025) ($63,101 - $100,500)other22.000% %22.000%—Standard
2024 Federal Taxable Income Brackets and Rates (for returns due in April 2025)other22.000% %22.000%—Standard
2024 Federal Taxable Income Brackets and Rates (for returns due in April 2025) ($100,501 - $191,950)other24.000% %24.000%—Standard

As of August 12, 2026, Mass. Institute of Tech. Credit Union offers mortgage rates from 5.1% APR. Vehicle loans available from 3.3% APR. HELOC rates from 6.75% APR. Personal loan rates from 5.25% APR. Savings and certificate yields up to 3.25% APY.

Source: RateAPI.dev, verified from Mass. Institute of Tech. Credit Union's official website

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About Mass. Institute of Tech. Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
35.2K
Assets
$743M
Founded
1940
Locations reported
5
NCUA charter
3830
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships
  • Credit-builder products
  • Payday Alternative Loans II

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

First TechnologyLexington · Lexington · MA · 02420About 0.9 miles awayCommon TrustLexington Branch · Lexington · MA · 02420About 1.1 miles awayHanscomHanscom AFB · Hanscom AFB · MA · 01731About 2.8 miles awayBrightbridgeWaltham · Waltham · MA · 02452-5551About 3.1 miles awaySouthcoastSt Luke's Hospital · New Bedford · MA · 02740About 4.1 miles awayArlington MunicipalArlington Municipal Federal Credit Union · Arlington · MA · 02476About 4.5 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Mass. Institute of Tech. Credit Union

Membership eligibility from Mass. Institute of Tech. Credit Union's own published criteria. How we verify this.

Membership via employers (MIT) or the American Consumer Council

  • EmployerMIT
  • AssociationAmerican Consumer Council

Cost to join: About $5.

Verified from Mass. Institute of Tech. Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Mass. Institute of Tech. Credit Union offer?

Mass. Institute of Tech. Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and student loan rates. The rates shown on this page were last verified August 12, 2026 directly from the credit union's official website.

How often are Mass. Institute of Tech. Credit Union rates updated?

RateAPI verifies Mass. Institute of Tech. Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 12, 2026.

Where does RateAPI get Mass. Institute of Tech. Credit Union's rate data?

Rate data is collected directly from Mass. Institute of Tech. Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Mass. Institute of Tech. Credit Union's mortgage rate?

As of August 12, 2026, Mass. Institute of Tech. Credit Union offers mortgage rates from 5.1% APR.

What are Mass. Institute of Tech. Credit Union's auto, rv, boat & motorcycle loan rates?

As of August 12, 2026, Mass. Institute of Tech. Credit Union offers vehicle loans from 3.3% APR.

What is Mass. Institute of Tech. Credit Union's HELOC rate?

As of August 12, 2026, Mass. Institute of Tech. Credit Union offers home equity lines of credit from 6.75% APR.

What is Mass. Institute of Tech. Credit Union's personal loan rate?

As of August 12, 2026, Mass. Institute of Tech. Credit Union offers personal loans from 5.25% APR.

What is Mass. Institute of Tech. Credit Union's best CD rate?

As of August 12, 2026, Mass. Institute of Tech. Credit Union offers savings and certificate (CD) yields up to 3.25% APY.

Related Rate Data

Compare Mass. Institute of Tech. Credit Union's rates against national credit-union benchmarks.

More Massachusetts credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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# Get rates for Mass. Institute of Tech. Credit Union
curl "https://api.rateapi.dev/credit-unions/massachusetts/mass-institute-of-tech" \
  -H "Authorization: Bearer YOUR_API_KEY"
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