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866-585-7628
46 Lizotte Dr
Marlborough, MA 01752

St. Mary’s Credit Union is headquartered in Marlborough and is the 11th largest credit union in the state of Massachusetts. It is also the 358th largest credit union in the nation. It was established in 1913 and as of March of 2018, it had grown to 114 employees and 56,744 members at 7 locations. St. Mary’s Credit Union's savings rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in St.Mary's Credit Union is open to those who live, work, or attend school in Middlesex, Worcester, Norfolk, and Suffolk Counties in Massachusetts.
See current membership details

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Independent Savings, 2.25% APY, Guaranteed Through 12/31/18 - 7/12/2018

Basically a 6-month CD with penalty-free withdrawals. Available in Middlesex, Worcester, Norfolk, and Suffolk Counties in Massachusetts. No additional deposits allowed into account. Maximum deposit of $250,000.00. A $3 service charge per monthly statement cycle will apply if the daily account balance falls below $100.00. Service charge is waived with selection of eStatements. Consumer Accounts only. Limit one per tax reported owner. Rate effective through December 31, 2018 and then subject to change.

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Health

Health Grade Components

Overall
NCUA #67864
Year Chartered1913
Employees114
Primary Regulator
Profit Margin
Return on Assets - YTD0.47%
Return on Equity - YTD4.78%
Annual Interest Income$6.5MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$837.8MM$831.5MM
LoansQ1 2018vs Q1 2017$659.9MM$638.2MM
DepositsQ1 2018vs Q1 2017$628.4MM$609.5MM
Equity CapitalQ1 2018vs Q1 2017$82.8MM$80.4MM
Loan Loss AllowanceQ1 2018vs Q1 2017$2.7MM$2.5MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.5MM$593.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Independent Savings, 2.25% APY, Guaranteed Through 12/31/18

Carpline   |  
Basically a 6-month CD with penalty-free withdrawals.
Available in Middlesex, Worcester, Norfolk, and Suffolk Counties in Massachusetts.

No additional deposits allowed into account.
Maximum deposit of $250,000.00.
A $3 service charge per monthly statement cycle will apply if the daily account balance falls below $100.00.
Service charge is waived with selection of eStatements.
Consumer Accounts only.
Limit one per tax reported owner.
Rate effective through December 31, 2018 and then subject to change.

Rates
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Always verify rates and promotions with the bank or credit union. We are not St. Mary’s Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

St. Mary’s Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*$10k*$250kIndependent Savings
OTHER TIERS: 0.10% Up to $10k
0.30%*$100k*-Ultra Savings Account
OTHER TIERS: 0.10% Up to $10k | 0.25% $10k - $100k
0.15%--Christmas Club Account
0.15%--Vacation Club Account
0.10%--Statement Account
0.10%--Passbook Account
0.10%--IRA Savings Account

St. Mary’s Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Money Market Account
OTHER TIERS: 0.05% Up to $25k | 0.25% $25k - $50k | 0.40% $50k - $100k
0.45%*$250k*-Business Money Market Account
OTHER TIERS: 0.10% $5k - $25k | 0.15% $25k - $50k | 0.25% $50k - $100k | 0.30% $100k - $250k

St. Mary’s Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%--IOLTA Accounts
0.40%*-$5kRelationship Checking
OTHER TIERS: 0.10% $5k+
0.25%*$100k*-High Rate Checking
OTHER TIERS: 0.10% Up to $50k | 0.15% $50k - $100k
0.05%--Business Plus Checking
0.05%--No-Fee Checking

St. Mary’s Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.35%$100k-15 Month Jumbo Relationship CD Special
2.35%$100k-20 Month Jumbo Relationship CD Special
2.30%$100k-60 Month Jumbo Relationship CD
2.25%$500-15 Month Relationship CD Special
2.25%$100k-30 Month Relationship Bump-Up Jumbo CD
2.25%$500-20 Month Relationship CD Special
2.10%$100k-15 Month Jumbo CD Special
2.10%$100k-20 Month Jumbo CD Special
2.05%$100k-60 Month Jumbo CD
2.05%$500-60 Month Relationship CD
2.00%$100k-30 Month Bump Up Jumbo CD
2.00%$500-15 Month CD Special
2.00%$100k-48 Month Jumbo Relationship CD
2.00%$500-20 Month CD Special
1.85%$100k-36 Month Jumbo Relationship CD
1.80%$500-60 Month CD
1.75%$100k-48 Month Jumbo CD
1.75%$500-48 Month Relationship CD
1.75%$100k-24 Month Jumbo Relationship CD
1.75%$500-30 Month Relationship Bump-Up CD
1.60%$100k-36 Month Jumbo CD
1.60%$500-36 Month Relationship CD
1.50%$500-48 Month CD
1.50%$100k-24 Month Jumbo CD
1.50%$500-30 Month Bump Up CD
1.50%$500-24 Month Relationship CD
1.35%$500-36 Month CD
1.25%$500-24 Month CD
1.20%$500-6 Month Relationship CD
1.20%$100k-6 Month Jumbo Relationship CD
1.15%$100k-18 Month Jumbo Relationship CD
1.05%$500-6 Month CD
1.05%$100k-6 Month Jumbo CD
1.00%$500-18 Month Relationship CD
0.90%$100k-18 Month Jumbo CD
0.75%$500-18 Month CD
0.65%$100k-12 Month Jumbo Relationship CD
0.55%$500-12 Month Relationship CD
0.50%$100k-12 Month Jumbo CD
0.40%$500-12 Month CD
0.40%$500-3 Month Relationship CD
0.40%$100k-3 Month Jumbo Relationship CD
0.25%$500-3 Month CD
0.25%$100k-3 Month Jumbo CD

St. Mary’s Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.35%$100k-15 Month Jumbo Relationship IRA Special
2.35%$100k-20 Month Jumbo Relationship IRA Special
2.30%$100k-60 Month Jumbo Relationship IRA
2.25%$500-15 Month Relationship IRA Special
2.25%$100k-30 Month Relationship Bump-Up Jumbo IRA
2.25%$500-20 Month Relationship IRA Special
2.10%$100k-15 Month Jumbo IRA Special
2.10%$100k-20 Month Jumbo IRA Special
2.05%$100k-60 Month Jumbo IRA
2.05%$500-60 Month Relationship IRA
2.00%$100k-30 Month Bump Up Jumbo IRA
2.00%$500-15 Month IRA Special
2.00%$100k-48 Month Jumbo Relationship IRA
2.00%$500-20 Month IRA Special
1.85%$100k-36 Month Jumbo Relationship IRA
1.80%$500-60 Month IRA
1.75%$100k-48 Month Jumbo IRA
1.75%$500-48 Month Relationship IRA
1.75%$100k-24 Month Jumbo Relationship IRA
1.75%$500-30 Month Relationship Bump-Up IRA
1.60%$100k-36 Month Jumbo IRA
1.60%$500-36 Month Relationship IRA
1.50%$500-48 Month IRA
1.50%$100k-24 Month Jumbo IRA
1.50%$500-30 Month Bump Up IRA
1.50%$500-24 Month Relationship IRA
1.35%$500-36 Month IRA
1.25%$500-24 Month IRA
1.20%$500-6 Month Relationship IRA
1.20%$100k-6 Month Jumbo Relationship IRA
1.15%$100k-18 Month Jumbo Relationship IRA
1.05%$500-6 Month IRA
1.05%$100k-6 Month Jumbo IRA
1.00%$500-18 Month Relationship IRA
0.90%$100k-18 Month Jumbo IRA
0.75%$500-18 Month IRA
0.65%$100k-12 Month Jumbo Relationship IRA
0.55%$500-12 Month Relationship IRA
0.50%$100k-12 Month Jumbo IRA
0.40%$500-12 Month IRA
0.40%$500-3 Month Relationship IRA
0.40%$100k-3 Month Jumbo Relationship IRA
0.25%$100k-3 Month Jumbo IRA
0.25%$500-3 Month IRA
Locations


St. Mary’s Credit Union Locations
Branch Office96 Turnpike RdWestborough, MA 01581-2802
Branch Office100 W Main StNorthborough, MA 01532-1824
Branch Office1 Northboro Rd EMarlborough, MA 01752-1818
Branch Office133 S Bolton StMarlborough, MA 01752
Branch Office46 Lizotte DrMarlborough, MA 01752-3061
Branch Office439A Main StHudson, MA 01749
Branch Office133 W Main StMarlborough, MA 01752

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