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

St. Michael’s Federal Credit Union is headquartered in Fall River and is the 65th largest credit union in the state of Massachusetts. It is also the 2,050th largest credit union in the nation. It was established in 1953 and as of June of 2018, it had grown to 11 employees and 3,777 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

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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.

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Health
B+
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 - YTD1.73%
Return on Equity - YTD19.6%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$65.4MM$53.2MM
LoansQ2 2018vs Q2 2017$58.3MM$49.0MM
DepositsQ2 2018vs Q2 2017$54.8MM$46.4MM
Equity CapitalQ2 2018vs Q2 2017$5.6MM$4.8MM
Loan Loss AllowanceQ2 2018vs Q2 2017$197.00K$179.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$418.00K$716.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

2-Year CD Special, 3.00% APY

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

Rates
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Always verify rates and promotions with the bank or credit union. We are not St. Michael’s Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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 Office60 Garside StFall River, MA 02720-2914
Branch Office12 19th StreetFall River, MA 02721

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