The building once served as a bank for the staff and students of Mass Bay University, with a robust security system including heavy-duty bank vault doors. In 2077, the bank was selected as the site of Professor Stuart Campbell's lab. The vault was expanded to include an adjacent research and prototyping laboratory, with a separate access corridor through the parking lot next to the university. The main exit collapsed in the wake of the Great War, leaving only the bank vault as an escape route.
There are two entrances to the credit union. There is a "bank" sign outside the public entrance, which gives access to a small lobby and teller area partitioned from the employee area in the back. The employee area is accessed through the adjacent cafe, using the Novice-locked terminal.
Stairs in the back of the employee area lead down to a kitchen and break room. Through an adjoining security gate, the vault area can be accessed by hacking (or using Gerald's vault password on) a Novice-locked terminal to open the adjacent vault door. Inside the vault are three safes; one is Advanced-locked, and two are Master-locked. The Master-locked safe against the south wall (opened by Campbell's safe password from the student records terminal in Sedgwick Hall) contains a button that, when pressed, reveals Campbell's secret laboratory containing a weapons workbench and a chemistry station. The lab was left in pristine condition by Campbell's assistants Leslie Mathews and Curtis Marsh, and has remained untouched since the Great War.
- Prototype UP77 "Limitless Potential" - In the secret laboratory.
University Credit Union only appears in Fallout 4.