St. Mary’s Credit Union

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Based on 1 review

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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 454^th largest credit union in the nation. It was established in 1913 and as of June of 2024, it had grown to 111 employees and 54,502 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.
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Related Posts

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2018

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

Reviews (1)

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Very Positive Experiences; Recommended

Posted by: JPucc | Dec 4, 2022

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.

Comment

1

Health

B

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	67864
Year Chartered	1913
Employees	111
Primary Regulator

Profit Margin
Return on Assets - YTD	0.16%
Return on Equity - YTD	2.1%
Annual Interest Income	$19.5MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$991.8MM$999.2MM
Loans	Q2 2024vs Q2 2023	$746.7MM$729.7MM
Deposits	Q2 2024vs Q2 2023	$806.9MM$849.8MM
Equity Capital	Q2 2024vs Q2 2023	$76.6MM$70.5MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$3.5MM$3.8MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$1.3MM$991K
Real Estate Owned	Q2 2024vs Q2 2023	$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
4.50%^*	$0	$50k	Kasasa Saver
OTHER TIERS: 0.25% → $50k+
0.15%	$0	-	Christmas Club Account
0.15%	$0	-	Vacation Club Account
0.10%	$0	-	IRA Savings Account
0.05%	$0	-	Statement Account
0.05%	$0	-	Passbook Account

St. Mary’s Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.25%^*	$0	$10k	Kasasa Cash
OTHER TIERS: 0.25% → $10k+
4.13%	$0	-	IOLTA Accounts
0.40%^*	$0	$5k	Relationship Checking
OTHER TIERS: 0.10% → $5k+
0.05%	$0	-	Business Plus Checking

St. Mary’s Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.00%	$100k	-	6 Month Relationship Jumbo CD
4.85%	$100k	-	6 Month Jumbo CD
4.75%	$500	-	6 Month Relationship CD
4.60%	$500	-	6 Month CD
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
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.00%	$100k	-	6 Month Relationship Jumbo IRA
4.85%	$100k	-	6 Month Jumbo IRA
4.75%	$500	-	6 Month Relationship IRA
4.60%	$500	-	6 Month IRA
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
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 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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