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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 69th largest credit union in the state of Massachusetts. It is also the 2,150th 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+
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 Chartered1953
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD1.36%
Return on Equity - YTD15.2%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$58.8MM$44.4MM
LoansQ4 2017vs Q4 2016$55.8MM$39.5MM
DepositsQ4 2017vs Q4 2016$51.6MM$40.0MM
Equity CapitalQ4 2017vs Q4 2016$5.1MM$4.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$168.00K$192.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$1.4MM$1.1MM
Real Estate OwnedQ4 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

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

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

APYMINMAXACCOUNT NAMEVIEW 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

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

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