St. Mary’s Credit Union


Overview / Commentary
508-490-8000
46 Lizotte Dr
Marlborough, MA 01752

St. Mary’s Credit Union is headquartered in Marlborough and is the 13th largest credit union in the state of Massachusetts. It is also the 439th largest credit union in the nation. It was established in 1913 and as of December of 2023, it had grown to 118 employees and 53,541 members at 7 locations. St. Mary’s Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

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

Reviews (1)

Very Positive Experiences; Recommended

Posted by: |

I was introduced to St Mary's when I applied for a zero-percent energy loan to replace my failed furnace. This occurred during the height of the pandemic and the experience was outstanding. The paperwork was ready when I arrived, and everything was executed in record time.
Fast forward two years and I, like many others, have begun seeking alternatives to other central MA-based CUs that are flailing. Without an appointment, I went into the local branch and set up a series of checking and savings accounts working with the branch manager. Exceptional service.
When I used the #800 number, again, exceptional service.
This is a financially strong institution with excellent service and outstanding service.
Highly recommended.



Health
B+

Health Grade Components

Overall
NCUA #67864
Year Chartered1913
Employees118
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD5.53%
Annual Interest Income$35.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$992.8MM$985MM
LoansQ4 2023vs Q4 2022$749MM$712.5MM
DepositsQ4 2023vs Q4 2022$821.8MM$833MM
Equity CapitalQ4 2023vs Q4 2022$76.7MM$67.2MM
Loan Loss AllowanceQ4 2023vs Q4 2022$3.7MM$3.8MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$827K$1.3MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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
4.50%*-$50kKasasa Saver
OTHER TIERS: 0.25% $50k+
0.15%--Christmas Club Account
0.15%--Vacation Club Account
0.10%--IRA Savings Account
0.05%--Statement Account
0.05%--Passbook Account

St. Mary’s Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$250k*-Business Money Market Account
OTHER TIERS: 0.05% $25k - $50k | 0.20% $50k - $100k | 0.75% $100k - $250k
0.40%*$100k*-Money Market Account
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $50k | 0.30% $50k - $100k

St. Mary’s Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%*-$10kKasasa Cash
OTHER TIERS: 0.25% $10k+
4.13%--IOLTA Accounts
0.40%*-$5kRelationship Checking
OTHER TIERS: 0.10% $5k+
0.05%--Business Plus Checking

St. Mary’s Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$100k-9 Month Relationship Jumbo CD Special
4.85%$100k-9 Month Jumbo CD Special
4.75%$500-9 Month Relationship CD Special
4.60%$500-9 Month CD Special
4.50%$100k-24 Month Relationship Jumbo CD
4.50%$100k-15 Month Relationship Jumbo CD Special
4.50%$100k-18 Month Relationship Jumbo CD
4.40%$100k-12 Month Relationship Jumbo CD
4.25%$100k-12 Month Jumbo CD
4.25%$100k-18 Month Jumbo CD
4.25%$100k-24 Month Jumbo CD
4.25%$100k-15 Month Jumbo CD Special
4.25%$500-15 Month Relationship CD Special
4.25%$500-18 Month Relationship CD
4.25%$500-24 Month Relationship CD
4.15%$500-12 Month Relationship CD
4.00%$500-12 Month CD
4.00%$500-18 Month CD
4.00%$500-24 Month CD
4.00%$500-15 Month CD Special
3.50%$100k-36 Month Relationship Jumbo CD
3.50%$100k-48 Month Relationship Jumbo CD
3.50%$100k-60 Month Relationship Jumbo CD
3.25%$100k-36 Month Jumbo CD
3.25%$100k-48 Month Jumbo CD
3.25%$100k-60 Month Jumbo CD
3.25%$500-36 Month Relationship CD
3.25%$500-48 Month Relationship CD
3.25%$500-60 Month Relationship CD
3.00%$500-36 Month CD
3.00%$500-48 Month CD
3.00%$500-60 Month CD
3.00%$100k-6 Month Relationship Jumbo CD
2.85%$100k-6 Month Jumbo CD
2.75%$500-6 Month Relationship CD
2.75%$100k-30 Month Relationship Bump-Up Jumbo CD
2.75%$500-30 Month Relationship Bump-Up CD
2.60%$500-6 Month CD
2.50%$100k-30 Month Bump Up Jumbo CD
2.50%$500-30 Month Bump Up CD
0.65%$500-3 Month Relationship CD
0.65%$100k-3 Month Relationship Jumbo CD
0.50%$500-3 Month CD
0.50%$100k-3 Month Jumbo CD

St. Mary’s Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$100k-9 Month Relationship Jumbo IRA Special
4.85%$100k-9 Month Jumbo IRA Special
4.75%$500-9 Month Relationship IRA Special
4.60%$500-9 Month IRA Special
4.50%$100k-15 Month Relationship Jumbo IRA Special
4.50%$100k-18 Month Relationship Jumbo IRA
4.50%$100k-24 Month Relationship Jumbo IRA
4.40%$100k-12 Month Relationship Jumbo IRA
4.25%$100k-12 Month Jumbo IRA
4.25%$100k-18 Month Jumbo IRA
4.25%$100k-24 Month Jumbo IRA
4.25%$100k-15 Month Jumbo IRA Special
4.25%$500-15 Month Relationship IRA Special
4.25%$500-18 Month Relationship IRA
4.25%$500-24 Month Relationship IRA
4.15%$500-12 Month Relationship IRA
4.00%$500-12 Month IRA
4.00%$500-18 Month IRA
4.00%$500-24 Month IRA
4.00%$500-15 Month IRA Special
3.50%$100k-36 Month Relationship Jumbo IRA
3.50%$100k-48 Month Relationship Jumbo IRA
3.50%$100k-60 Month Relationship Jumbo IRA
3.25%$100k-36 Month Jumbo IRA
3.25%$100k-48 Month Jumbo IRA
3.25%$100k-60 Month Jumbo IRA
3.25%$500-36 Month Relationship IRA
3.25%$500-48 Month Relationship IRA
3.25%$500-60 Month Relationship IRA
3.00%$500-48 Month IRA
3.00%$500-60 Month IRA
3.00%$500-36 Month IRA
3.00%$100k-6 Month Relationship Jumbo IRA
2.85%$100k-6 Month Jumbo IRA
2.75%$500-6 Month Relationship IRA
2.75%$500-30 Month Relationship Bump-Up IRA
2.75%$100k-30 Month Relationship Bump-Up Jumbo IRA
2.60%$500-6 Month IRA
2.50%$100k-30 Month Bump Up Jumbo IRA
2.50%$500-30 Month Bump Up 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 Office46 Lizotte DrMarlborough, MA 01752-3061
Branch Office439A Main StHudson, MA 01749
Branch Office133 W Main StMarlborough, MA 01752
Branch Office1255 Worcester RdFramingham, MA 01701-5217

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