Credit union · NCUA insured
St. Mary's Credit Union
A $1B credit union headquartered in Marlborough, MA, with 56,730 members and 7 branches in Massachusetts. Best rates: CDs 3.95% and savings 0.05% APY.
St. Mary's Credit Union Carrot Score
73
Carrot Score
Higher than 33% of U.S. banks and credit unions
#87 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. Mary's Credit Union
Founded in 1913 as St. Mary's Parish Credit Union, SMCU was established to promote savings and provide credit for French Canadians working in shoe factories.
The member-owned institution serves Middlesex, Worcester, Norfolk, and Suffolk counties in Massachusetts.
The credit union specializes in small business lending as the number-one SBA credit union lender in Massachusetts for ten consecutive years.
- Headquarters
- 46 Lizotte Dr, Marlborough, MA 01752-3061
- NCUA charter
- 67864
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This may be incomplete or out of date, so check with the credit union before you apply.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 who live, work, or attend school in Middlesex, Worcester, Norfolk, or Suffolk County.
Family and household
- Membership is open to relatives of existing members regardless of where they live, including father, mother, son, daughter, brother, sister, husband, wife, grandfather, grandmother, grandchild, in-laws, step-relatives, and half-siblings.
Cost to join
- Opening any checking or savings account requires a deposit of $10.00.
Branches
7 branches in Massachusetts
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Massachusetts
7 branches
Boston area · 5
- St. Mary's Credit Union1255 Worcester Rd, Framingham, MA 01701Directions
- St. Mary's Credit Union439A Main St, Hudson, MA 01749Directions
- St. Mary's Credit Union133 S Bolton St, Marlborough, MA 01752Directions
- St. Mary's Credit Union133 W Main St, Marlborough, MA 01752Directions
- St. Marys' Credit Union1 Northboro Rd E, Marlborough, MA 01752Directions
Worcester area · 2
- St. Mary's Credit Union100 W Main St, Northborough, MA 01532Directions
- St. Mary's Credit Union96 Turnpike Rd, Westborough, MA 01581Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.69% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.08% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.25% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $89 | $88 | — |
- CapitalNet worth ratio11.69%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.08%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.25%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$89Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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. Mary'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.