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Greater Trust CU Banking owned by you
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Member-owned in Greater Boston since 1954

The bank that isn't a bank. It's yours.

Greater Trust started in 1954 with fourteen Roslindale schoolteachers pooling paydays in a church basement. Seventy-two years later, 38,400 neighbors own it together and still get the same deal: real rates, plain answers, and profits that come back to the people who made them.

Find your fit in 2 minutes Can I join?

  • 38,400

    member-owners

  • $1.1M

    returned to members in 2025

  • 1

    vote each, whatever your balance

Fictional figures for this sample site.

Neighbors of all ages sharing food at a long table during a block party on a leafy residential street

Owned by neighbors

Your deposits become car loans in Dorchester and first mortgages in Quincy.

Eligibility, in ten seconds

Can I join? Almost certainly.

Credit unions have membership rules, and plenty of people never check whether they qualify. Pick the line that fits you. There's a path for everyone in Massachusetts.

See all four ways to join
Which of these is true for you?

Pick one and we'll tell you how you'd join.

Today's rates

No teaser games. This is the rate.

Sample rates · posted October 2026

Savings & checking

Loans & cards

Sample figures for this fictional credit union, as of October 2026. Loan rates shown are the lowest available with strong credit; your rate depends on credit history and term, and every loan is subject to approval. See every rate and fee

What members bank for

Everything a big bank does, owned by the people who use it

The account-match quiz

Three questions. Your bundle. The math against a big bank.

Tell us your life stage, how you actually bank, and what you're saving toward. We'll match you to a bundle of accounts and show, line by line, what the same year costs at a typical big bank.

Take the quiz

A year, side by side

Sample
Savings APY
3.10% vs 0.45%
Checking fee a month
$0 vs $12
New-auto APR from
5.49% vs 7.59%

“Typical big bank” figures are made-up composites for this fictional demo, not quotes from any real institution.

Members, not customers

What "owned by you" changes in practice

Our story since 1954

01

Profits come back to you

No shareholders means earnings return as better rates, fewer fees, and the occasional year-end member dividend: $1.1M in 2025.

02

Decisions made on Washington Street

Loan decisions happen in Roslindale, by people who know a triple-decker from a townhouse, not by a scoring server three time zones away.

03

One member, one vote

A $5 share makes you an owner. Whether you keep $50 or $500,000 with us, your vote at the annual meeting counts exactly the same.

Member stories

What owners say about their bank

Sample reviews

  • “Pre-approved on a Tuesday, bought the car on Saturday. The dealer tried to beat the rate and couldn't.”

    Luis R. · Dorchester · Auto loan

  • “Priya called me back the same morning about a text that looked like it came from the bank. It was a scam. She stayed on the phone until my card was locked.”

    Grace O. · Quincy · Legacy Checking 55+

  • “My son asks to go to the branch so he can get his passbook stamped. I did not expect that from a savings account.”

    Amara D. · Roslindale · First Nest Youth Savings

Fictional members and reviews, written for this sample site.

Read member stories
Three friends talking on the front stoop of a brick row house

Rooted here

Your deposits work three T stops away

Money kept at Greater Trust becomes auto loans in Dorchester, storefront lines of credit in Somerville, and first mortgages in Quincy. Last year that also meant $184,000 in neighborhood grants, 2,150 staff volunteer hours, and money classes in 31 school classrooms.

See the impact report Find a branch

The Greater Trust line

Five stops. Free notary at every one.

  1. Waltham Closed Saturdays
  2. Somerville Sat 10 to 2
  3. Roslindale Main office · Sat 9 to 1
  4. Dorchester Sat 9 to 1
  5. Quincy Sat 9 to 1

Membership starts with $5

That's one share. It makes you an owner, gets you a vote, and takes about ten minutes, online or at any of our five branches.

Start your membership Not sure? Take the quiz
Fictional sample site by SearchPod