St. Mary’s Credit Union

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CURRENT TOP RATE

18 Month Relationship CD

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.00%	Reward Checking	1.74% - National Average
2.00%	5-year CD	3.10% - Barclays 60 Month Online CD
0.40%	1-year CD	2.75% - Barclays 12 Month Online 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 10^th largest credit union in the state of Massachusetts. It is also the 349^th 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

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 Q4 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	67864
Year Chartered	1913
Employees	117
Primary Regulator

Profit Margin
Return on Assets - YTD	0.48%
Return on Equity - YTD	4.89%
Annual Interest Income	$27.5MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$876.2MM$833.9MM
Loans	Q4 2018vs Q4 2017	$710.4MM$657.0MM
Deposits	Q4 2018vs Q4 2017	$659.5MM$610.6MM
Equity Capital	Q4 2018vs Q4 2017	$86.4MM$84.1MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$2.7MM$2.7MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$1.9MM$1.3MM
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
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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: 0.10% → 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	-	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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

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
Branch Office	1255 Worcester Rd	Framingham, MA 01701-5217

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