St. Mary’s Credit Union

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CURRENT TOP RATE

15 Month Grand Opening Relationship CD Special

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.00%	Reward Checking	Eagle Checking 2.00% - National Average
2.00%	5-year CD	60 Month CD 2.03% - National Average
0.40%	1-year CD	12 Month CD 2.45% - Synchrony Bank 12 Month CD

View all St. Mary’s Credit Union rates »

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 11^th largest credit union in the state of Massachusetts. It is also the 351^st largest credit union in the nation. It was established in 1913 and as of June of 2018, it had grown to 112 employees and 57,636 members at 7 locations. St. Mary’s Credit Union's savings 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 Middlesex, Worcester, Norfolk, and Suffolk Counties in Massachusetts.
See current membership details

Related Posts

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

A

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	67864
Year Chartered	1913
Employees	112
Primary Regulator

Profit Margin
Return on Assets - YTD	0.59%
Return on Equity - YTD	6.01%
Annual Interest Income	$13.3MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$860.9MM$833.9MM
Loans	Q2 2018vs Q2 2017	$671.6MM$653.3MM
Deposits	Q2 2018vs Q2 2017	$625.8MM$606.1MM
Equity Capital	Q2 2018vs Q2 2017	$83.6MM$81.9MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$2.6MM$2.6MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$1.4MM$837.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

User-submitted Promotions & Notices

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

Carpline | Jul 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.

Comment

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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
2.25%^*	$10k^*	$250k	Eagle Savings
OTHER TIERS: 0.10% → Up to $10k \| 0.50% → $250k+
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	-	$50k	Eagle Checking
OTHER TIERS: 0.15% → $50k+
1.50%	-	-	IOLTA Accounts
0.40%^*	-	$5k	Relationship 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.76%	$500	-	15 Month Grand Opening Relationship CD Special
2.76%	$100k	-	15 Month Grand Opening Jumbo Relationship CD Special
2.50%	$100k	-	15 Month Jumbo CD Special
2.50%	$100k	-	60 Month Jumbo Relationship CD
2.50%	$500	-	15 Month Grand Opening CD Special
2.35%	$100k	-	20 Month Jumbo Relationship CD Special
2.25%	$100k	-	60 Month Jumbo CD
2.25%	$500	-	60 Month Relationship CD
2.25%	$100k	-	30 Month Relationship Bump-Up Jumbo CD
2.25%	$100k	-	48 Month Jumbo Relationship CD
2.25%	$500	-	20 Month Relationship CD Special
2.10%	$100k	-	20 Month Jumbo CD Special
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	-	48 Month Relationship CD
2.00%	$100k	-	36 Month Jumbo Relationship CD
2.00%	$500	-	20 Month CD Special
1.75%	$500	-	48 Month CD
1.75%	$100k	-	36 Month Jumbo CD
1.75%	$500	-	36 Month Relationship CD
1.75%	$100k	-	24 Month Jumbo Relationship CD
1.75%	$500	-	30 Month Relationship Bump-Up CD
1.50%	$500	-	36 Month CD
1.50%	$100k	-	24 Month Jumbo CD
1.50%	$500	-	30 Month Bump Up CD
1.50%	$500	-	24 Month Relationship CD
1.25%	$500	-	24 Month CD
1.20%	$500	-	6 Month Relationship CD
1.20%	$100k	-	6 Month Jumbo Relationship CD
1.15%	$100k	-	18 Month Jumbo Relationship CD
1.05%	$500	-	6 Month CD
1.05%	$100k	-	6 Month Jumbo CD
1.00%	$500	-	18 Month Relationship CD
0.90%	$100k	-	18 Month Jumbo CD
0.75%	$500	-	18 Month CD
0.65%	$100k	-	12 Month Jumbo Relationship CD
0.55%	$500	-	12 Month Relationship CD
0.50%	$100k	-	12 Month Jumbo CD
0.40%	$500	-	12 Month CD
0.40%	$500	-	3 Month Relationship CD
0.40%	$100k	-	3 Month Jumbo Relationship CD
0.25%	$500	-	3 Month CD
0.25%	$100k	-	3 Month Jumbo CD

St. Mary’s Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.76%	$500	-	15 Month Grand Opening Relationship IRA Special
2.76%	$100k	-	15 Month Grand Opening Jumbo Relationship IRA Special
2.50%	$100k	-	15 Month Jumbo IRA Special
2.50%	$100k	-	60 Month Jumbo Relationship IRA
2.50%	$500	-	15 Month Grand Opening IRA Special
2.35%	$100k	-	20 Month Jumbo Relationship IRA Special
2.25%	$100k	-	60 Month Jumbo IRA
2.25%	$500	-	60 Month Relationship IRA
2.25%	$100k	-	48 Month Jumbo Relationship IRA
2.25%	$100k	-	30 Month Relationship Bump-Up Jumbo IRA
2.25%	$500	-	20 Month Relationship IRA Special
2.10%	$100k	-	20 Month Jumbo IRA Special
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	-	48 Month Relationship IRA
2.00%	$100k	-	36 Month Jumbo Relationship IRA
2.00%	$500	-	20 Month IRA Special
1.75%	$500	-	48 Month IRA
1.75%	$100k	-	36 Month Jumbo IRA
1.75%	$500	-	36 Month Relationship IRA
1.75%	$100k	-	24 Month Jumbo Relationship IRA
1.75%	$500	-	30 Month Relationship Bump-Up IRA
1.50%	$100k	-	24 Month Jumbo IRA
1.50%	$500	-	36 Month IRA
1.50%	$500	-	30 Month Bump Up IRA
1.50%	$500	-	24 Month Relationship IRA
1.25%	$500	-	24 Month IRA
1.20%	$500	-	6 Month Relationship IRA
1.20%	$100k	-	6 Month Jumbo Relationship IRA
1.15%	$100k	-	18 Month Jumbo Relationship IRA
1.05%	$500	-	6 Month IRA
1.05%	$100k	-	6 Month Jumbo IRA
1.00%	$500	-	18 Month Relationship IRA
0.90%	$100k	-	18 Month Jumbo IRA
0.75%	$500	-	18 Month IRA
0.65%	$100k	-	12 Month Jumbo Relationship IRA
0.55%	$500	-	12 Month Relationship IRA
0.50%	$100k	-	12 Month Jumbo IRA
0.40%	$500	-	12 Month IRA
0.40%	$500	-	3 Month Relationship IRA
0.40%	$100k	-	3 Month Jumbo Relationship IRA
0.25%	$100k	-	3 Month Jumbo IRA
0.25%	$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	133 S Bolton St	Marlborough, MA 01752
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

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