Credit union · NCUA insured
Saint Michaels Federal Credit Union
A $123.6M credit union headquartered in Fall River, MA, with 3,165 members and 2 branches in Massachusetts. Best rates: CDs 4.00% and savings 0.25% APY.
Saint Michaels Federal Credit Union Carrot Score
70
Carrot Score
Higher than 25% of U.S. banks and credit unions
#32 of 44 in Providence, RI-MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Saint Michaels Federal Credit Union
Based in Fall River, Massachusetts, St. Michael’s Federal Credit Union was founded in 1953 as a member-owned, not-for-profit financial institution.
Since 1975, three smaller credit unions have merged with the credit union.
- Headquarters
- 775 Davol St, Fall River, MA 02720-1028
- NCUA charter
- 8915
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone in Fall River, Somerset, Swansea, Freetown, Assonet, Berkley, Dighton, and Lakeville, including anyone who lives, works, worships, and/or attends school in those communities.
Branches
2 branches in Massachusetts
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Massachusetts
2 branches
- St. Michael's (Fall River) Federal Credit UnionMain office775 Davol St, Fall River, MA 02720Directions
- St. Michael's (FR) FCU1004 County St, Somerset, MA 02726Directions
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 | 9.25% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.70% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.52% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $98 | $76 | — |
- CapitalNet worth ratio9.25%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.70%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.52%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$98Peers’ 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 Saint Michaels Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.