Credit union · NCUA insured
Southbridge Credit Union
A $242.3M credit union headquartered in Southbridge, MA, with 11,310 members and 4 branches in Massachusetts. Best rates: CDs 4.25% and savings 1.25% APY.
Southbridge Credit Union Carrot Score
84
Carrot Score
Higher than 68% of U.S. banks and credit unions
#14 of 41 in Worcester, MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Southbridge Credit Union
Southbridge Credit Union is a not-for-profit financial institution that has been serving its community since 1938.
The credit union serves individuals, businesses, and organizations across Worcester, Bristol, Franklin, Hampshire, Norfolk, Hampden, and Middlesex counties in Massachusetts, as well as Windham County in Connecticut.
- Headquarters
- 155 Main St, Southbridge, MA 01550
- NCUA charter
- 66374
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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals, businesses, and organizations that reside, work, or operate in Worcester, Bristol, Franklin, Hampshire, Norfolk, Hampden, or Middlesex County, MA, or Windham County, CT.
Cost to join
- New members can get started by opening an account with as little as $5.00.
Branches
4 branches in Massachusetts
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Massachusetts
4 branches
- Auburn732 Southbridge St, Auburn, MA 01501Directions
- Main Office179 Main St, Southbridge, MA 01550Directions
- Fiskdale514 Main St, Sturbridge, MA 01518Directions
- Hobbs Brook120 Charlton Rd, Sturbridge, MA 01566Directions
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 | 10.62% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.23% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.43% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $85 | $76 | — |
- CapitalNet worth ratio10.62%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.23%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.43%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$85Peers’ 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 Southbridge Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.