2. St. Michael’s Federal Credit Union

St. Michael’s Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
1.66%5-year CD
3.10% - American Express National Bank 60 Month CDAdvertisement
0.95%1-year CD
2.65% - Barclays 12 Month Online CDAdvertisement
0.05%Savings
2.20% - Barclays Online Savings AccountAdvertisement
View all St. Michael’s Federal Credit Union rates »

Overview / Commentary
www.stmichaelsfcu.com
508-674-3861
775 Davol St
Fall River, MA 02720

St. Michael’s Federal Credit Union is headquartered in Fall River and is the 64th largest credit union in the state of Massachusetts. It is also the 2,001st largest credit union in the nation. It was established in 1953 and as of September of 2018, it had grown to 11 employees and 3,760 members at 3 locations. St. Michael’s Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

St. Michaels Federal Credit Union offers membership to individuals who live, work, worship, or attend school in the Massachusetts communities of Assonet, Berkley, Dighton, Fall River, Freetown, Lakeville, Somerset, or Swansea.
See current membership details

Related Posts

2-Year CD Special, 3.00% APY - 9/12/2018

St. Michaels FCU has a 2-year CD Special earning 3.00% APY. Can be opened with a $1,000 minimum deposit.

Reviews

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Health
B+

Data as of Q3 2018

Learn why bank health matters
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. Michael’s Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #8915
Year Chartered1953
Employees11
Primary Regulator
Profit Margin
Return on Assets - YTD1.47%
Return on Equity - YTD16.35%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$68.5MM$55.6MM
LoansQ3 2018vs Q3 2017$58.9MM$51.4MM
DepositsQ3 2018vs Q3 2017$59.4MM$48.6MM
Equity CapitalQ3 2018vs Q3 2017$6.0MM$5.0MM
Loan Loss AllowanceQ3 2018vs Q3 2017$168.00K$183.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$609.00K$1.6MM
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

St. Michael’s Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$5-Christmas Club
0.05%$5-Regular (Shares) Savings
0.05%$5-IRA Regular Savings

St. Michael’s Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$2.5k*-Money Market Share Account
OTHER TIERS: 0.05% → Up to $2.5k

St. Michael’s Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$300-Share Drafts Checking

St. Michael’s Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$1k-2 Year CD Special
3.00%$1k-Business 2 Year CD Special
1.66%$1k-5 Year Certificate
1.66%$1k-Business 5 Year Certificate
1.41%$1k-4 Year Certificate
1.41%$1k-Business 4 Year Certificate
1.26%$1k-3 Year Certificate
1.26%$1k-Business 3 Year Certificate
1.15%$1k-2 Year Certificate
1.15%$1k-Business 2 Year Certificate
1.01%$1k-18 Month Certificate
1.01%$1k-Business 18 Month Certificate
0.95%$1k-1 Year Certificate
0.95%$1k-Business 1 Year Certificate
0.35%$5k-6 Month Certificate
0.35%$5k-Business 6 Month Certificate

St. Michael’s Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.66%$1k-5 Year IRA Certificate
1.41%$1k-4 Year IRA Certificate
1.26%$1k-3 Year IRA Certificate
1.15%$1k-2 Year IRA Certificate
1.01%$1k-18 Month IRA Certificate
0.95%$1k-1 Year IRA Certificate
0.35%$5k-6 Month IRA Certificate
Locations


St. Michael’s Federal Credit Union Locations
Branch Office891 County StSomerset, MA 02726-5065
Branch Office775 Davol StFall River, MA 02720-1005
Branch Office12 19th StreetFall River, MA 02721

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