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Overview / Commentary
123 Alden Rd
Fairhaven, MA 02719

Southern Mass Credit Union is headquartered in Fairhaven and is the 38th largest credit union in the state of Massachusetts. It is also the 1,012th largest credit union in the nation. It was established in 1922 and as of December of 2017, it had grown to 36 employees and 14,856 members at 6 locations. Southern Mass Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school in Barksdale, Dukes, Bristol, Plymouth or Nantucket Counties in Massachusetts; Newport or Bristol Counties in Rhode Island, Providence County cities of Central Falls, Cumberland, Cranston, Johnston, East Providence, Lincoln, North Smithfield, North Providence, Providence, Pawtucket, and Woonsocket in Rhode Island. Membership is also open to employees and retirees of AT&T.
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Health Grade Components

NCUA #67481
Year Chartered1922
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD3.5%
Annual Interest Income$6.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$210.0MM$205.4MM
LoansQ4 2017vs Q4 2016$130.2MM$117.9MM
DepositsQ4 2017vs Q4 2016$180.2MM$180.4MM
Equity CapitalQ4 2017vs Q4 2016$24.1MM$23.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$628.00K$748.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$473.00K$577.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$28.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Southern Mass Credit Union Savings Account Rates

0.40%*$75k*-Savings Supreme
OTHER TIERS: 0.20% $5k - $25k | 0.25% $25k - $50k | 0.35% $50k - $75k
0.15%--Regular Share
0.15%--Fat Cat Account
0.15%--Cool Cat Account
0.15%$25-Vacation Club
0.15%$25-IRA Savings Account
0.15%$25-Christmas Club

Southern Mass Credit Union Money Market Rates

0.35%*$75k*-Money Market
OTHER TIERS: 0.05% $25 - $1k | 0.10% $1k - $5k | 0.15% $5k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.30% $50k - $75k

Southern Mass Credit Union CD Rates

1.75%$1k-60 Month CD
1.65%$10k-17 Month CD Special (New Money Only)
1.35%$1k-11 Month CD Special (New Money Only)
1.35%$1k-48 Month CD
1.15%$1k-36 Month CD
1.00%$1k-24 Month CD
0.80%$1k-18 Month CD
0.70%$1k-12 Month CD
0.70%$500-12 Month College Savings CD
0.30%$1k-6 Month CD

Southern Mass Credit Union IRA Rates

1.75%$500-60 Month IRA
1.65%$10k-17 Month IRA Special (New Money Only)
1.35%$500-11 Month IRA Special (New Money Only)
1.35%$500-48 Month IRA
1.15%$500-36 Month IRA
1.00%$500-24 Month IRA
0.80%$500-18 Month IRA
0.70%$500-12 Month IRA
0.30%$500-6 Month IRA

Southern Mass Credit Union Locations
Branch Office12 Huttleston AveFairhaven, MA 02719
Branch Office2926 Acushnet AveNew Bedford, MA 02745
Branch Office123 Alden RdFairhaven, MA 02719
Branch Office1101 Stafford RdFall River, MA 02721
Branch Office41 Obery StPlymouth, MA 02360
Branch Office490 Long Pond RdPlymouth, MA 02360