Credit union · NCUA insured
Alltrust Credit Union
A $291.3M credit union headquartered in Fairhaven, MA, with 11,512 members and 4 branches in Massachusetts. Best rates: CDs 4.05% and savings 0.05% APY.
Alltrust Credit Union Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#21 of 44 in Providence, RI-MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Alltrust Credit Union
Founded in 1922 as a telephone workers credit union, Alltrust Credit Union previously operated as Southern Mass Credit Union before changing its name in 2021.
- Headquarters
- 123 Alden Rd, Fairhaven, MA 02719
- NCUA charter
- 67481
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to everyone who lives, works, or attends school in Bristol, Barnstable, Dukes, Nantucket, Norfolk, and Plymouth counties in Massachusetts.
- Membership is open to everyone who lives, works, or attends school in all cities and towns in Rhode Island.
Family and household
- All family members of existing members qualify for membership.
Cost to join
- To join, a deposit of $5 in a Regular Savings Account is required.
Branches
4 branches in Massachusetts
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Massachusetts
4 branches
- Alltrust Credit Union Main OfficeMain office123 Alden Rd, Fairhaven, MA 02719Directions
- Fall River Branch1101 Stafford Rd, Fall River, MA 02721Directions
- New Bedford Branch2926 Acushnet Ave, New Bedford, MA 02745Directions
- Seekonk Branch25 Commerce Way, Seekonk, MA 02771Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.46% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 3.57% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -1.03% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $89 | $76 | — |
- CapitalNet worth ratio8.46%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late3.57%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-1.03%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$89Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Alltrust Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.