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 returned in 2025.
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 member-owners still get the same deal: real rates, plain answers, and profits that come back to the people who made them.
Anyone who lives, works, worships, or studies in Greater Boston can join — and there's a path for everyone else too.
Today's rates
No teaser games. This is the rate.
Illustrative rates, as of July 2026 · See all rates
The account-match quiz
Three questions. Your bundle. The math versus a big bank.
Tell us your life stage, how you actually bank, and what you're saving toward. We'll match you to an account bundle and show — line by line — what the same year costs at a typical big bank.
Take the quizA year, side by side
- Savings APY
- 3.10% vs 0.45%
- Checking fee / month
- $0 vs $12
- New-auto APR from
- 5.49% vs 7.59%
“Typical big bank” figures are illustrative composites for this fictional demo — not quotes from any real institution.
Members, not customers
What "owned by you" changes in practice
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 weighs exactly the same.
Accounts
An account for every kitchen table
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Everyday Checking
$0/month, early payday, no minimums — ever
$0/mo
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High-Yield Savings
One rate on every dollar, withdraw anytime
3.10% APY
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First Nest Youth Savings
Ages 0–15 · on the first $1,000, plus a birthday match
4.00% APY
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Legacy Checking 55+
Free checks, free notary, a fraud-watch human
$0/mo
Share certificates
Lock a rate on money with a date on it. $500 minimum, dividends monthly.
| Term | APY |
|---|---|
| 6 months | 3.60% |
| 12 months | 4.05% |
| 24 months | 3.85% |
| 36 months | 3.70% |
| 60 months | 3.55% |
Illustrative rates as of July 2026. Early-withdrawal penalty: 90 days of dividends.
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 meant $184,000 in neighborhood grants, 2,150 staff volunteer hours, and financial-basics classes in 31 school classrooms.
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.