Path 1
You live, work, worship, or study in Greater Boston
Suffolk, Norfolk, or Middlesex County — home, job, school, or congregation, any one counts.
Become a member
Own a piece of the place for $5
One $5 share makes you a member-owner: same rates as everyone, one vote at the annual meeting, and a say in where the grants go. Here's who's eligible — spoiler: almost certainly you.
Path 2
Someone in your family is a member
Spouse, partner, parent, child, sibling, grandparent, or grandchild of a current member — and household members too.
Path 3
Your employer is a partner organization
120+ Greater Boston schools, hospitals, nonprofits, and small businesses offer membership as a benefit. Ask HR or just ask us.
Path 4
None of the above? Join the Neighbors Fund
A one-time $10 donation to our financial-literacy nonprofit partner makes anyone in Massachusetts eligible. The $10 goes to classrooms, not to us.
Apply in about ten minutes
Demo application — nothing is submitted or stored beyond your own browser.
- 1. Eligibility
- 2. Pick accounts
- 3. Your details
- 4. Confirmation
Welcome, almost-owner
Application GT-2026-00000 received . On the real site, a membership specialist would confirm within one business day and your $5 share would make it official. This is a demo — nothing was sent anywhere.
Does joining cost anything?
$5 — and it isn't a fee, it's your share. It sits in your Share Savings, it's yours, and you get it back if you ever leave.
Do I have to switch everything?
No. Plenty of members start with just the High-Yield Savings and move the rest when the old bank annoys them enough. It usually does.
What if my credit is rough?
Membership doesn't check credit at all. Loans do — but our lenders explain every "not yet" with a path to "yes", and the education hub is free either way.