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St. Michaels Federal Credit Union (MA)

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.66%5-year CDFive Year Certificate
0.95%1-year CDOne Year 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 68th largest credit union in the state of Massachusetts. It is also the 2,108th largest credit union in the nation. It was established in 1953 and as of March of 2018, it had grown to 11 employees and 3,748 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+
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
Employees11
Primary Regulator
Profit Margin
Return on Assets - YTD1.95%
Return on Equity - YTD21.8%
Annual Interest Income$763.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$62.2MM$48.2MM
LoansQ1 2018vs Q1 2017$58.7MM$42.7MM
DepositsQ1 2018vs Q1 2017$52.7MM$43.6MM
Equity CapitalQ1 2018vs Q1 2017$5.4MM$4.5MM
Loan Loss AllowanceQ1 2018vs Q1 2017$180.00K$211.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$286.00K$617.00K
Real Estate OwnedQ1 2018vs Q1 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. 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%*$2.5k*-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 Certificate
1.41%$1k-Four Year Certificate
1.26%$1k-Three Year Certificate
1.15%$1k-Two Year Certificate
1.01%$1k-18 Month Certificate
0.95%$1k-One Year Certificate
0.35%$5k-6 Month 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-Two Year IRA Certificate
1.01%$1k-18 Month IRA Certificate
0.95%$1k-One Year IRA Certificate
0.35%$5k-6 Month 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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