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  2. St. Michaels Federal Credit Union (MA)

St. Michaels Federal Credit Union (MA)

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.66%5-year CDFive Year Share Certificate
2.35% - Synchrony Bank 60 Month CDAdvertisement
0.95%1-year CD1 Year Share Certificate
1.40% - Synchrony Bank 12 Month CDAdvertisement
0.05%SavingsRegular Savings
1.15% - CIT Bank Spring Savings
View all St. Michaels Federal Credit Union (MA) rates »

Overview / Commentary
www.stmichaelsfcu.com
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 72nd largest credit union in the state of Massachusetts. It is also the 2,391st largest credit union in the nation. It was established in 1953 and as of March of 2017, it had grown to 13 employees and 3,887 members at 3 locations. St. Michaels Federal Credit Union (MA) has a B 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
B

Data as of Q1 2017

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. 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 - YTD1.68%
Return on Equity - YTD17.12%
Annual Interest Income$552.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$48.2MM$40.1MM
LoansQ1 2017vs Q1 2016$42.7MM$33.5MM
DepositsQ1 2017vs Q1 2016$43.6MM$35.8MM
Equity CapitalQ1 2017vs Q1 2016$4.5MM$4.2MM
Loan Loss AllowanceQ1 2017vs Q1 2016$211.00K$224.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$617.00K$502.00K
Real Estate OwnedQ1 2017vs Q1 2016$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