St. Mary’s Credit Union

Overview / Commentary
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 428th largest credit union in the nation. It was established in 1913 and as of June of 2023, it had grown to 115 employees and 53,331 members at 7 locations. St. Mary’s Credit Union's CD rates are 4X 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 Grade Components

NCUA #67864
Year Chartered1913
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD5.67%
Annual Interest Income$17.2MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$999.2MM$984.2MM
LoansQ2 2023vs Q2 2022$729.7MM$684.3MM
DepositsQ2 2023vs Q2 2022$849.8MM$864.8MM
Equity CapitalQ2 2023vs Q2 2022$70.5MM$74.9MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$3.6MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$991.00K$468.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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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

2.50%*-$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

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

4.13%--IOLTA Accounts
4.00%*-$10kKasasa Cash
OTHER TIERS: 0.25% $10k+
0.40%*-$5kRelationship Checking
OTHER TIERS: 0.10% $5k+
0.05%--Business Plus Checking

St. Mary’s Credit Union CD Rates

4.75%$100k-15 Month Relationship Jumbo CD Special
4.75%$100k-9 Month Relationship Jumbo CD Special
4.60%$100k-9 Month Jumbo CD Special
4.50%$100k-15 Month Jumbo CD Special
4.50%$500-15 Month Relationship CD Special
4.40%$500-9 Month Relationship CD Special
4.25%$500-15 Month CD Special
4.25%$500-9 Month CD Special
4.00%$100k-18 Month Relationship Jumbo CD
3.90%$100k-12 Month Relationship Jumbo CD
3.75%$100k-12 Month Jumbo CD
3.75%$100k-18 Month Jumbo CD
3.75%$500-18 Month Relationship CD
3.65%$500-12 Month Relationship CD
3.50%$500-12 Month CD
3.50%$500-18 Month CD
3.50%$100k-24 Month Relationship Jumbo CD
3.25%$100k-24 Month Jumbo CD
3.25%$500-24 Month Relationship CD
3.00%$500-24 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
1.50%$500-48 Month Relationship CD
1.50%$500-60 Month Relationship CD
1.50%$100k-48 Month Relationship Jumbo CD
1.50%$100k-60 Month Relationship Jumbo CD
1.40%$500-36 Month Relationship CD
1.40%$100k-36 Month Relationship Jumbo CD
1.25%$500-48 Month CD
1.25%$500-60 Month CD
1.25%$100k-48 Month Jumbo CD
1.25%$100k-60 Month Jumbo CD
1.15%$500-36 Month CD
1.15%$100k-36 Month Jumbo 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

4.75%$100k-15 Month Relationship Jumbo IRA Special
4.75%$100k-9 Month Relationship Jumbo IRA Special
4.60%$100k-9 Month Jumbo IRA Special
4.50%$100k-15 Month Jumbo IRA Special
4.50%$500-15 Month Relationship IRA Special
4.40%$500-9 Month Relationship IRA Special
4.25%$500-15 Month IRA Special
4.25%$500-9 Month IRA Special
4.00%$100k-18 Month Relationship Jumbo IRA
3.90%$100k-12 Month Relationship Jumbo IRA
3.75%$100k-12 Month Jumbo IRA
3.75%$100k-18 Month Jumbo IRA
3.75%$500-18 Month Relationship IRA
3.65%$500-12 Month Relationship IRA
3.50%$500-12 Month IRA
3.50%$500-18 Month IRA
3.50%$100k-24 Month Relationship Jumbo IRA
3.25%$100k-24 Month Jumbo IRA
3.25%$500-24 Month Relationship IRA
3.00%$500-24 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
1.50%$500-48 Month Relationship IRA
1.50%$500-60 Month Relationship IRA
1.50%$100k-48 Month Relationship Jumbo IRA
1.50%$100k-60 Month Relationship Jumbo IRA
1.40%$500-36 Month Relationship IRA
1.40%$100k-36 Month Relationship Jumbo IRA
1.25%$500-48 Month IRA
1.25%$500-60 Month IRA
1.25%$100k-48 Month Jumbo IRA
1.25%$100k-60 Month Jumbo IRA
1.15%$500-36 Month IRA
1.15%$100k-36 Month Jumbo 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 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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