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St. Michael’s Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.stmichaelsfcu.com
508-674-3861
775 Davol St
Fall River, MA 02720

St. Michael’s Federal Credit Union is headquartered in Fall River and is the 57th largest credit union in the state of Massachusetts. It is also the 1,674th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 11 employees and 3,172 members at 2 locations. St. Michael’s Federal Credit Union's CD rates are 4X the national average, and it 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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Health
B

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #8915
Year Chartered1953
Employees11
Primary Regulator
Profit Margin
Return on Assets - YTD-0.19%
Return on Equity - YTD-2.21%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$121.4MM$111.2MM
LoansQ1 2025vs Q1 2024$104MM$97.3MM
DepositsQ1 2025vs Q1 2024$108.7MM$101.1MM
Equity CapitalQ1 2025vs Q1 2024$10.3MM$9.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$140K$158K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.7MM$403K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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. Michael’s Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1$20Christmas Club
0.05%$5-Regular (Shares) 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% → $0 - $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
4.00%$1k-1 Year Certificate
4.00%$1k-Business 1 Year Certificate
3.50%$1k-Business 18 Month Certificate
3.50%$1k-18 Month Certificate Special
3.00%$1k-3 Year Certificate
3.00%$1k-2 Year Certificate Special
3.00%$1k-Business 2 Year Certificate
3.00%$1k-Business 3 Year Certificate
2.00%$1k-4 Year Certificate
2.00%$1k-5 Year Certificate
2.00%$1k-Business 4 Year Certificate
2.00%$1k-Business 5 Year Certificate
1.50%$1k-6 Month Certificate
1.50%$1k-Business 6 Month Certificate

St. Michael’s Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-1 Year IRA Certificate
3.50%$1k-18 Month IRA Certificate
3.00%$1k-2 Year IRA Certificate
3.00%$1k-3 Year IRA Certificate
2.00%$1k-4 Year IRA Certificate
2.00%$1k-5 Year IRA Certificate
1.50%$1k-6 Month IRA Certificate
0.05%$5-IRA Regular Savings
Locations


St. Michael’s Federal Credit Union Locations
Branch Office1004 County StSomerset, MA 02726-5138
Branch Office775 Davol StFall River, MA 02720-1028

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