Featured Savings Rates
Featured Accounts

St. Michaels Federal Credit Union (MA)

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.66%5-year CDFive Year Share Certificate
0.95%1-year CD1 Year Share Certificate
0.05%SavingsRegular Savings

Overview / Commentary
508-674-3861
60 Garside St
Fall River, MA 02720-2914

St. Michaels Federal Credit Union (MA) is headquartered in Fall River and is the 74th largest credit union in the state of Massachusetts. It is also the 2,475th largest credit union in the nation. It was established in 1953 and as of September of 2016, it had grown to 13 employees and 3,960 members at 3 locations. St. Michaels Federal Credit Union (MA) has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Fall River, Somerset, Swansea, Freetown, Assonet, Berkley, Dighton or Lakeville.
See current membership details

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Health
C+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. St. Michaels Federal Credit Union (MA) has a low asset base.

Health Grade Components

Overall
NCUA #8915
Year Chartered1953
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD0.36%
Return on Equity - YTD3.61%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$43.3MM$38.5MM
LoansQ3 2016vs Q3 2015$36.7MM$32.6MM
DepositsQ3 2016vs Q3 2015$39.0MM$34.3MM
Equity CapitalQ3 2016vs Q3 2015$4.3MM$4.1MM
Loan Loss AllowanceQ3 2016vs Q3 2015$237.00K$275.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$818.00K$524.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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St. Michaels Federal Credit Union (MA) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Christmas Club
0.05%--Regular Savings
0.05%--IRA Savings
0.05%--Educational IRA Savings
0.05%--Roth IRA Savings

St. Michaels Federal Credit Union (MA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$2,500-Money Market Share Account

St. Michaels Federal Credit Union (MA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$300-Share Draft Account

St. Michaels Federal Credit Union (MA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.66%$1k-Five Year Share Certificate
1.41%$1k-Four Year Share Certificate
1.26%$1k-Three Year Share Certificate
1.15%$1k-2 Year Share Certificate
1.01%$1k-18 Month Share Certificate
0.95%$1k-1 Year Share Certificate
0.35%$5k-6 Month Money Market Certificate

St. Michaels Federal Credit Union (MA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.66%$1k-Five Year IRA Certificate
1.41%$1k-Four Year IRA Certificate
1.26%$1k-Three Year IRA Certificate
1.15%$1k-2 Year IRA Certificate
1.01%$1k-18 Month IRA Certificate
0.95%$1k-1 Year IRA Certificate
Locations


St. Michaels Federal Credit Union (MA) Locations
Branch Office891 County StSomerset, MA 02726-5065
Branch Office60 Garside StFall River, MA 02720-2914
Branch Office12 19th StreetFall River, MA 02721