Overview / Commentary
46 Lizotte Dr
Marlborough, MA 01752

St. Mary’s Credit Union is headquartered in Marlborough and is the 10th largest credit union in the state of Massachusetts. It is also the 349th largest credit union in the nation. It was established in 1913 and as of December of 2018, it had grown to 117 employees and 60,370 members at 8 locations. St. Mary’s Credit Union's money market rates are 70% higher than 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 Grade Components

NCUA #67864
Year Chartered1913
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD4.89%
Annual Interest Income$27.5MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$876.2MM$833.9MM
LoansQ4 2018vs Q4 2017$710.4MM$657.0MM
DepositsQ4 2018vs Q4 2017$659.5MM$610.6MM
Equity CapitalQ4 2018vs Q4 2017$86.4MM$84.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$2.7MM$2.7MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.9MM$1.3MM
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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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

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

0.75%*$100k*-Money Market Account
OTHER TIERS: 0.05% Up to $10k | 0.20% $10k - $25k | 0.30% $25k - $50k | 0.50% $50k - $100k
0.50%*$250k*-Business Money Market Account
OTHER TIERS: 0.10% $5k - $25k | 0.15% $25k - $50k | 0.30% $50k - $100k | 0.40% $100k - $250k

St. Mary’s Credit Union Checking Account Rates

2.00%*-$50kEagle Checking
OTHER TIERS: 0.15% $50k+
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

2.76%$500-18 Month Relationship CD
2.76%$100k-24 Month Jumbo Relationship CD
2.76%$100k-18 Month Jumbo Relationship CD
2.76%$500-24 Month Relationship CD
2.76%$100k-20 Month Jumbo Relationship CD Special
2.76%$500-20 Month Relationship CD Special
2.50%$500-18 Month CD
2.50%$500-24 Month CD
2.50%$100k-18 Month Jumbo CD
2.50%$100k-24 Month Jumbo CD
2.50%$100k-60 Month Jumbo Relationship CD
2.50%$500-20 Month CD Special
2.50%$100k-20 Month Jumbo CD Special
2.36%$100k-15 Month Jumbo Relationship CD Special
2.26%$500-15 Month Relationship CD Special
2.26%$500-60 Month Relationship CD
2.26%$100k-48 Month Jumbo Relationship CD
2.25%$100k-60 Month Jumbo CD
2.25%$100k-30 Month Relationship Bump-Up Jumbo CD
2.10%$100k-15 Month Jumbo CD Special
2.01%$500-48 Month Relationship CD
2.01%$100k-36 Month Jumbo Relationship CD
2.00%$500-60 Month CD
2.00%$100k-48 Month Jumbo CD
2.00%$100k-30 Month Bump Up Jumbo CD
2.00%$500-15 Month CD Special
1.76%$500-36 Month Relationship CD
1.76%$500-30 Month Relationship Bump-Up CD
1.75%$500-48 Month CD
1.75%$100k-36 Month Jumbo CD
1.50%$500-36 Month CD
1.50%$500-30 Month Bump Up CD
1.20%$500-6 Month Relationship CD
1.20%$100k-6 Month Jumbo Relationship CD
1.05%$500-6 Month CD
1.05%$100k-6 Month Jumbo CD
0.65%$100k-12 Month Jumbo Relationship CD
0.55%$500-12 Month Relationship CD
0.50%$100k-12 Month Jumbo CD
0.41%$500-3 Month Relationship CD
0.41%$100k-3 Month Jumbo Relationship CD
0.40%$500-12 Month CD
0.25%$500-3 Month CD
0.25%$100k-3 Month Jumbo CD

St. Mary’s Credit Union IRA Rates

2.76%$500-18 Month Relationship IRA
2.76%$500-24 Month Relationship IRA
2.76%$100k-18 Month Jumbo Relationship IRA
2.76%$100k-24 Month Jumbo Relationship IRA
2.76%$100k-20 Month Jumbo Relationship IRA Special
2.76%$500-20 Month Relationship IRA Special
2.50%$500-18 Month IRA
2.50%$500-24 Month IRA
2.50%$100k-18 Month Jumbo IRA
2.50%$100k-24 Month Jumbo IRA
2.50%$100k-60 Month Jumbo Relationship IRA
2.50%$500-20 Month IRA Special
2.50%$100k-20 Month Jumbo IRA Special
2.36%$100k-15 Month Jumbo Relationship IRA Special
2.26%$500-15 Month Relationship IRA Special
2.26%$500-60 Month Relationship IRA
2.26%$100k-48 Month Jumbo Relationship IRA
2.26%$100k-30 Month Relationship Bump-Up Jumbo IRA
2.25%$100k-60 Month Jumbo IRA
2.10%$100k-15 Month Jumbo IRA Special
2.01%$500-48 Month Relationship IRA
2.01%$100k-36 Month Jumbo Relationship IRA
2.00%$500-60 Month IRA
2.00%$100k-48 Month Jumbo IRA
2.00%$100k-30 Month Bump Up Jumbo IRA
2.00%$500-15 Month IRA Special
1.76%$500-36 Month Relationship IRA
1.76%$500-30 Month Relationship Bump-Up IRA
1.75%$500-48 Month IRA
1.75%$100k-36 Month Jumbo IRA
1.50%$500-36 Month IRA
1.50%$500-30 Month Bump Up IRA
1.20%$500-6 Month Relationship IRA
1.20%$100k-6 Month Jumbo Relationship IRA
1.05%$500-6 Month IRA
1.05%$100k-6 Month Jumbo IRA
0.65%$100k-12 Month Jumbo Relationship IRA
0.55%$500-12 Month Relationship IRA
0.50%$100k-12 Month Jumbo IRA
0.41%$500-3 Month Relationship IRA
0.41%$100k-3 Month Jumbo Relationship IRA
0.40%$500-12 Month IRA
0.25%$100k-3 Month Jumbo IRA
0.25%$500-3 Month IRA

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
Branch Office1255 Worcester RdFramingham, MA 01701-5217

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