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St. Mary’s Credit Union

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CURRENT TOP RATE

60 Month Relationship CD

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 13^th largest credit union in the state of Massachusetts. It is also the 383^rd largest credit union in the nation. It was established in 1913 and as of September of 2020, it had grown to 105 employees and 54,478 members at 7 locations. St. Mary’s Credit Union 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, or Suffolk Counties in Massachusetts.
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Related Posts

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2018

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

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Health

A+

Data as of Q3 2020

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Health Grade Components

Overall
NCUA #	67864
Year Chartered	1913
Employees	105
Primary Regulator

Profit Margin
Return on Assets - YTD	0.35%
Return on Equity - YTD	3.36%
Annual Interest Income	$20.9MM

Assets and Liabilities
Assets	Q3 2020vs Q3 2019	$949.6MM$873.2MM
Loans	Q3 2020vs Q3 2019	$720.8MM$710.9MM
Deposits	Q3 2020vs Q3 2019	$758.0MM$681.2MM
Equity Capital	Q3 2020vs Q3 2019	$97.8MM$93.0MM
Loan Loss Allowance	Q3 2020vs Q3 2019	$3.3MM$2.7MM
Unbacked Noncurrent Loans	Q3 2020vs Q3 2019	$546.00K$488.00K
Real Estate Owned	Q3 2020vs Q3 2019	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$100k^*	-	Ultra Savings Account
OTHER TIERS: 0.05% → Up to $10k \| 0.20% → $10k - $100k
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.05% → Up to $25k \| 0.10% → $25k - $50k \| 0.20% → $50k - $100k
0.30%^*	$250k^*	-	Business Money Market Account
OTHER TIERS: 0.05% → $25k - $50k \| 0.10% → $50k - $100k \| 0.20% → $100k - $250k

St. Mary’s Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	-	-	IOLTA Accounts
0.40%^*	-	$5k	Relationship Checking
OTHER TIERS: 0.10% → $5k+
0.25%^*	$100k^*	-	High Rate Checking
OTHER TIERS: 0.05% → Up to $50k \| 0.10% → $50k - $100k
0.20%^*	-	$50k	Eagle Checking - Qualifying
OTHER TIERS: 0.05% → $50k+
0.05%	-	-	Business Plus Checking

St. Mary’s Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$500	-	60 Month Relationship CD
1.00%	$100k	-	60 Month Relationship Jumbo CD
0.95%	$500	-	48 Month Relationship CD
0.95%	$100k	-	48 Month Relationship Jumbo CD
0.90%	$500	-	36 Month Relationship CD
0.90%	$100k	-	36 Month Relationship Jumbo CD
0.75%	$500	-	60 Month CD
0.75%	$100k	-	60 Month Jumbo CD
0.75%	$100k	-	24 Month Relationship Jumbo CD
0.75%	$100k	-	30 Month Relationship Bump-Up Jumbo CD
0.75%	$500	-	24 Month Relationship CD
0.75%	$500	-	30 Month Relationship Bump-Up CD
0.70%	$500	-	48 Month CD
0.70%	$100k	-	48 Month Jumbo CD
0.65%	$500	-	36 Month CD
0.65%	$100k	-	36 Month Jumbo CD
0.65%	$500	-	18 Month Relationship CD
0.65%	$100k	-	18 Month Relationship Jumbo CD
0.50%	$500	-	24 Month CD
0.50%	$100k	-	24 Month Jumbo CD
0.50%	$100k	-	30 Month Bump Up Jumbo CD
0.50%	$500	-	30 Month Bump Up CD
0.45%	$500	-	12 Month Relationship CD
0.45%	$100k	-	12 Month Relationship Jumbo CD
0.40%	$500	-	18 Month CD
0.40%	$100k	-	18 Month Jumbo CD
0.40%	$500	-	6 Month Relationship CD
0.40%	$100k	-	6 Month Relationship Jumbo CD
0.30%	$500	-	12 Month CD
0.30%	$100k	-	12 Month Jumbo CD
0.30%	$500	-	3 Month Relationship CD
0.30%	$100k	-	3 Month Relationship Jumbo CD
0.25%	$500	-	6 Month CD
0.25%	$100k	-	6 Month Jumbo CD
0.15%	$500	-	3 Month CD
0.15%	$100k	-	3 Month Jumbo CD

St. Mary’s Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$500	-	60 Month Relationship IRA
1.00%	$100k	-	60 Month Relationship Jumbo IRA
0.95%	$500	-	48 Month Relationship IRA
0.95%	$100k	-	48 Month Relationship Jumbo IRA
0.90%	$500	-	36 Month Relationship IRA
0.90%	$100k	-	36 Month Relationship Jumbo IRA
0.75%	$500	-	60 Month IRA
0.75%	$100k	-	60 Month Jumbo IRA
0.75%	$500	-	24 Month Relationship IRA
0.75%	$100k	-	24 Month Relationship Jumbo IRA
0.75%	$500	-	30 Month Relationship Bump-Up IRA
0.75%	$100k	-	30 Month Relationship Bump-Up Jumbo IRA
0.70%	$500	-	48 Month IRA
0.70%	$100k	-	48 Month Jumbo IRA
0.65%	$500	-	36 Month IRA
0.65%	$100k	-	36 Month Jumbo IRA
0.65%	$500	-	18 Month Relationship IRA
0.65%	$100k	-	18 Month Relationship Jumbo IRA
0.50%	$500	-	24 Month IRA
0.50%	$100k	-	24 Month Jumbo IRA
0.50%	$100k	-	30 Month Bump Up Jumbo IRA
0.50%	$500	-	30 Month Bump Up IRA
0.45%	$500	-	12 Month Relationship IRA
0.45%	$100k	-	12 Month Relationship Jumbo IRA
0.40%	$500	-	18 Month IRA
0.40%	$100k	-	18 Month Jumbo IRA
0.40%	$500	-	6 Month Relationship IRA
0.40%	$100k	-	6 Month Relationship Jumbo IRA
0.30%	$500	-	12 Month IRA
0.30%	$100k	-	12 Month Jumbo IRA
0.30%	$500	-	3 Month Relationship IRA
0.30%	$100k	-	3 Month Relationship Jumbo IRA
0.25%	$500	-	6 Month IRA
0.25%	$100k	-	6 Month Jumbo IRA
0.15%	$100k	-	3 Month Jumbo IRA
0.15%	$500	-	3 Month IRA

Locations

St. Mary’s Credit Union Locations
Branch Office	96 Turnpike Rd	Westborough, MA 01581-2802
Branch Office	100 W Main St	Northborough, MA 01532-1824
Branch Office	1 Northboro Rd E	Marlborough, MA 01752-1818
Branch Office	46 Lizotte Dr	Marlborough, MA 01752-3061
Branch Office	439A Main St	Hudson, MA 01749
Branch Office	133 W Main St	Marlborough, MA 01752
Branch Office	1255 Worcester Rd	Framingham, MA 01701-5217

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