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Overview / Commentary
508-994-9971
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 1,013th largest credit union in the nation. It was established in 1922 and as of March of 2018, it had grown to 37 employees and 15,029 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.
See current membership details

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Health

Health Grade Components

Overall
NCUA #67481
Year Chartered1922
Employees37
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD4.45%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$214.0MM$205.7MM
LoansQ1 2018vs Q1 2017$138.0MM$119.2MM
DepositsQ1 2018vs Q1 2017$184.0MM$181.0MM
Equity CapitalQ1 2018vs Q1 2017$24.4MM$23.8MM
Loan Loss AllowanceQ1 2018vs Q1 2017$797.00K$722.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$414.00K$468.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$28.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%*$10k*-Platinum Checking (New Money Only)
OTHER TIERS: 1.25% $5k - $10k

Southern Mass Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$1k-10 Month CD Special (New Money Only)
1.75%$1k-60 Month CD
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$1k-10 Month IRA Special (New Money Only)
1.75%$500-60 Month IRA
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
Locations


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

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