St. Michaels Federal Credit Union (MA)

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.66%	5-year CD	Five Year Share Certificate 2.50% - Ally Bank High Yield 5 Year CD
0.95%	1-year CD	1 Year Share Certificate 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.05%	Savings	Regular Savings 1.30% - Nationwide Bank Online Savings Account

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 69^th largest credit union in the state of Massachusetts. It is also the 2,150^th largest credit union in the nation. It was established in 1953 and as of December of 2017, it had grown to 12 employees and 3,740 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+

Data as of Q4 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 relatively low asset base.

Health Grade Components

Overall
NCUA #	8915
Year Chartered	1953
Employees	12
Primary Regulator

Profit Margin
Return on Assets - YTD	1.36%
Return on Equity - YTD	15.2%
Annual Interest Income	$2.5MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$58.8MM$44.4MM
Loans	Q4 2017vs Q4 2016	$55.8MM$39.5MM
Deposits	Q4 2017vs Q4 2016	$51.6MM$40.0MM
Equity Capital	Q4 2017vs Q4 2016	$5.1MM$4.3MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$168.00K$192.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$1.4MM$1.1MM
Real Estate Owned	Q4 2017vs Q4 2016	$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. Michaels Federal Credit Union (MA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	-	-	Christmas Club
0.05%	-	-	Regular Savings
0.05%	-	-	IRA Savings

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$2,500^*	-	Money Market Share Account
OTHER TIERS: 0.05% → Up to $2,500

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$300	-	Share Draft Account

St. Michaels Federal Credit Union (MA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	891 County St	Somerset, MA 02726-5065
Branch Office	60 Garside St	Fall River, MA 02720-2914
Branch Office	12 19th Street	Fall River, MA 02721

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