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St. Mary’s Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/11/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/11/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/11/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/11/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/11/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/11/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.stmaryscu.org
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 459th largest credit union in the nation. It was established in 1913 and as of March of 2025, it had grown to 111 employees and 55,850 members at 7 locations. St. Mary’s Credit Union's CD 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 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.

1


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #67864
Year Chartered1913
Employees111
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD2.95%
Annual Interest Income$10.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.01B$997.2MM
LoansQ1 2025vs Q1 2024$746.3MM$744.5MM
DepositsQ1 2025vs Q1 2024$828.4MM$818.7MM
Equity CapitalQ1 2025vs Q1 2024$83.2MM$75MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.5MM$3.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$435K$814K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/11/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/11/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/11/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/11/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/11/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/11/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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%*$0$50kKasasa Saver
OTHER TIERS: 0.25% → $50k+
0.15%$0-Christmas Club Account
0.15%$0-Vacation Club Account
0.05%$0-Statement Account
0.05%$0-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% → $0 - $25k | 0.10% → $25k - $50k | 0.30% → $50k - $100k

St. Mary’s Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%*$0$10kKasasa Cash
OTHER TIERS: 0.25% → $10k+
3.38%$0-IOLTA Accounts
0.40%*$0$5kRelationship Checking
OTHER TIERS: 0.10% → $5k+
0.05%$0-Business Plus Checking

St. Mary’s Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$500-12 Month Relationship CD
4.10%$500-15 Month Relationship CD Special
4.10%$100k-12 Month Relationship Jumbo CD
4.10%$100k-15 Month Relationship Jumbo CD Special
4.00%$500-9 Month Relationship CD Special
4.00%$100k-9 Month Relationship Jumbo CD Special
3.95%$500-12 Month CD
3.95%$100k-12 Month Jumbo CD
3.95%$500-6 Month Relationship CD
3.95%$100k-6 Month Relationship Jumbo CD
3.85%$500-15 Month CD Special
3.85%$100k-15 Month Jumbo CD Special
3.85%$500-9 Month CD Special
3.85%$100k-9 Month Jumbo CD
3.80%$500-6 Month CD
3.80%$100k-6 Month Jumbo CD
3.75%$100k-24 Month Relationship Jumbo CD
3.75%$100k-18 Month Relationship Jumbo CD
3.50%$100k-18 Month Jumbo CD
3.50%$100k-24 Month Jumbo CD
3.50%$500-18 Month Relationship CD
3.50%$500-24 Month Relationship CD
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%$500-18 Month CD
3.25%$500-24 Month 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
2.75%$100k-30 Month Relationship Bump-Up Jumbo CD
2.75%$500-30 Month Relationship Bump-Up 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
4.10%$500-12 Month Relationship IRA
4.10%$500-15 Month Relationship IRA Special
4.10%$100k-12 Month Relationship Jumbo IRA
4.10%$100k-15 Month Relationship Jumbo IRA Special
4.00%$500-9 Month Relationship IRA Special
4.00%$100k-9 Month Relationship Jumbo IRA Special
3.95%$500-12 Month IRA
3.95%$100k-12 Month Jumbo IRA
3.95%$500-6 Month Relationship IRA
3.95%$100k-6 Month Relationship Jumbo IRA
3.85%$500-15 Month IRA Special
3.85%$100k-15 Month Jumbo IRA Special
3.85%$500-9 Month IRA Special
3.85%$100k-9 Month Jumbo IRA
3.80%$500-6 Month IRA
3.80%$100k-6 Month Jumbo IRA
3.75%$100k-18 Month Relationship Jumbo IRA
3.75%$100k-24 Month Relationship Jumbo IRA
3.50%$100k-18 Month Jumbo IRA
3.50%$100k-24 Month Jumbo IRA
3.50%$500-18 Month Relationship IRA
3.50%$500-24 Month Relationship IRA
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%$500-18 Month IRA
3.25%$500-24 Month 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%$0-IRA Savings Account
2.75%$500-30 Month Relationship Bump-Up IRA
2.75%$100k-30 Month Relationship Bump-Up Jumbo 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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