Credit union · NCUA insured
Saint Michaels Federal Credit Union Savings Rates
Saint Michaels Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its MMSA (Money Market Shares). Rates checked October 15, 2026.
How Saint Michaels Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Providence, RI-MA, where Saint Michaels Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Saint Michaels Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $25
MMSA (Money Market Shares)
Top rate
St. Anne's Credit Union
4.95%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $495
2nd-highest rate
Alltrust Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
Saint Michaels Federal Credit Union savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Saint Michaels Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
MMSA (Money Market Shares)
0.25%APY
Dividends credited monthly. Balances below $2,500.00 earn .05%.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Balances below $2,500.00 earn .05%. | 0.05% | — | Balances below $2,500.00 earn .05%. |
| $2,500 and upDividends credited monthly. Stated rate for balances of $2,500.00 or more. | 0.25% | $25 | Dividends credited monthly. Stated rate for balances of $2,500.00 or more. |
Sources (1)
- stmichaelsfcu.com/loans/savings-rates · captured Sep 18, 2026
Regular (Shares) Savings
0.05%APY
Dividends credited quarterly. Variable rate accounts: dividend rate may change after account is opened. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends credited quarterly.Any balance | 0.05% | $5 | Dividends credited quarterly. |
Sources (1)
- stmichaelsfcu.com/loans/savings-rates · captured Sep 18, 2026
Special-purpose accounts
Christmas Clubs
0.10%APY
Begins annually during the second week of October, but may be opened up to December 31st. Payouts are made by check on or about the first week of October. Club accounts can be opened with as little as $1.00 – 20.00 and make weekly deposits. Dividends credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends credited quarterly.Any balance | 0.10% | $10 | Dividends credited quarterly. |
Sources (2)
All captured Sep 18, 2026
IRA Regular Savings
0.05%APY
Individual Retirement Arrangements options include Traditional, Roth, and Educational. All IRA rules, regulations and restrictions apply. Dividends credited quarterly. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends credited quarterly. All IRA rules, regulations and restrictions apply.Any balance | 0.05% | $5 | Dividends credited quarterly. All IRA rules, regulations and restrictions apply. |
Sources (2)
All captured Sep 18, 2026
Who can join Saint Michaels Federal Credit Union
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.
Membership information collected October 5, 2026.