Credit union · NCUA insured
St. Jean's Credit Union
Top CarrotA $377.3M credit union headquartered in Lynn, MA, with 18,143 members and 5 branches in Massachusetts. Best rates: CDs 4.50% and savings 1.25% APY.
St. Jean's Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#32 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About St. Jean's Credit Union
Founded in 1910, St. Jean's Credit Union is Massachusetts' first credit union and oldest state-chartered credit union.
- Headquarters
- 250 maple st, Lynn, MA 01904
- NCUA charter
- 67959
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live or work in Essex, Middlesex, or Suffolk Counties of the Commonwealth of Massachusetts are eligible to join.
Employers and groups
- Employees of H.P. Hood are eligible for membership.
Military, government and schools
- Retirees of the City of Revere and the Town of Winthrop, Massachusetts are eligible to join.
Family and household
- Immediate family members, defined as spouse, son, daughter, mother, father, sister, or brother, are eligible for membership.
Cost to join
- Membership requires opening a Primary Share Account with an initial deposit of at least $25.00 representing the member's share.
Branches
5 branches in Massachusetts
Loading map…
Massachusetts
5 branches
- Main office-lynnMain office250 maple st, Lynn, MA 01904Directions
- branch-newburyport155 State St, Newburyport, MA 01950Directions
- branch-revere171 Vfw Pkwy, Ste 200, Revere, MA 02151Directions
- branch-Seaport336 Lafayette St, Salem, MA 01970Directions
- branch-salem370 highland ave, Salem, MA 01970Directions
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 | 9.84% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.54% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.29% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio9.84%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.54%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.29%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ 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 St. Jean's Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.