Credit union · NCUA insured
St. Mary's Credit Union Savings Rates
St. Mary's Credit Union’s best savings rate is 0.05% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How St. Mary's Credit Union’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where St. Mary's Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Mary's Credit Union
0.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $5
Money Market Account
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
St. Mary's Credit Union savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.05%
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 St. Mary's 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.
Money Market
0.05%APY
St. Mary's Credit Union membership eligibility is required for all accounts. $10.00 service charge per statement cycle if average minimum balance falls below $1,000.00. (Page p58 lists a $5 monthly service fee avoided by maintaining a minimum daily balance of $1,000 or more, and $10 minimum deposit to open). Dividends compounded daily and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum daily balance of $0.01 to earn APY. Service charge of $10.00 per statement cycle if average minimum balance falls below $1,000.00. | 0.05% | $5 | Minimum daily balance of $0.01 to earn APY. Service charge of $10.00 per statement cycle if average minimum balance falls below $1,000.00. |
| $10,000 and upMinimum daily balance of $10,000.00 to earn APY. Service charge of $10.00 per statement cycle if average minimum balance falls below $1,000.00. | 0.05% | $5 | Minimum daily balance of $10,000.00 to earn APY. Service charge of $10.00 per statement cycle if average minimum balance falls below $1,000.00. |
| $25,000 and upMinimum daily balance of $25,000.00 to earn APY. Service charge of $10.00 per statement cycle if average minimum balance falls below $1,000.00. | 0.10% | — | Minimum daily balance of $25,000.00 to earn APY. Service charge of $10.00 per statement cycle if average minimum balance falls below $1,000.00. |
| $50,000 and upMinimum daily balance of $50,000.00 to earn APY. Service charge of $10.00 per statement cycle if average minimum balance falls below $1,000.00. | 0.30% | — | Minimum daily balance of $50,000.00 to earn APY. Service charge of $10.00 per statement cycle if average minimum balance falls below $1,000.00. |
| $100,000 and upMinimum daily balance of $100,000.00 to earn APY. Service charge of $10.00 per statement cycle if average minimum balance falls below $1,000.00. | 0.40% | — | Minimum daily balance of $100,000.00 to earn APY. Service charge of $10.00 per statement cycle if average minimum balance falls below $1,000.00. |
Sources (2)
All captured Oct 5, 2026
Money Market Account
0.05%APY
St. Mary's Credit Union membership eligibility required for all accounts. Dividends compounded daily, credited monthly. Maintain minimum daily balance of $1,000 or average minimum balance per statement cycle of $1,000 to avoid monthly service charge ($10.00).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.05% | $5 |
| $10,000 and up | 0.05% | $5 |
| $25,000 and up | 0.10% | — |
| $50,000 and up | 0.30% | — |
| $100,000 and up | 0.40% | — |
Sources (2)
All captured Oct 5, 2026
Statement Savings
0.05%APY
Establishes membership with the credit union. Includes 6 free withdrawals per statement cycle ($5 per withdrawal in excess thereafter; more than 3 months of excess withdrawals in a 3-month period causes account to convert to No Fee Checking Account). Dividends compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum daily balance to earn APY is $0.01. Rate may change at any time.Over $0 | 0.05% | $5 | Minimum daily balance to earn APY is $0.01. Rate may change at any time. |
Sources (3)
- stmaryscu.org/personal/personal-savings
- stmaryscu.org/personal/persona…s/statement-savings.html
- stmaryscu.org/services/tools/rates.html
All captured Oct 5, 2026
Special-purpose accounts
Holiday Club
0.15%APY
Year-round savings for holiday expenses. Funds automatically released via check or deposited to a St. Mary's Credit Union Account on or after the last business day of October. Dividends compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0No minimum balance requirements. Minimum daily balance to earn APY is $0.01.Over $0 | 0.15% | $15 | No minimum balance requirements. Minimum daily balance to earn APY is $0.01. |
Sources (3)
- stmaryscu.org/personal/personal-savings
- stmaryscu.org/personal/persona…vings/club-accounts.html
- stmaryscu.org/services/tools/rates.html
All captured Oct 5, 2026
Vacation Club
0.15%APY
Year-round savings for vacation expenses. Funds automatically released via check or deposited to a St. Mary's Credit Union Account on or after the last business Friday in March. Dividends compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0No minimum balance requirements. Minimum daily balance to earn APY is $0.01.Over $0 | 0.15% | $15 | No minimum balance requirements. Minimum daily balance to earn APY is $0.01. |
Sources (3)
- stmaryscu.org/personal/personal-savings
- stmaryscu.org/personal/persona…vings/club-accounts.html
- stmaryscu.org/services/tools/rates.html
All captured Oct 5, 2026
IRA Savings
0.10%APY
Available as Traditional or Roth IRA options. No setup fees, no monthly or annual maintenance fees. Annual contribution limits apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum daily balance to earn APY is $0.01. Rate may change at any time.Over $0 | 0.10% | $10 | Minimum daily balance to earn APY is $0.01. Rate may change at any time. |
Sources (3)
- stmaryscu.org/personal/personal-savings
- stmaryscu.org/personal/persona…ement-accounts-iras.html
- stmaryscu.org/services/tools/rates.html
All captured Oct 5, 2026
Passbook Savings
0.05%APY
Savings account designed for children, providing a record of deposits and dividends in a booklet. Unlimited withdrawals over the counter at any teller. Dividends compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0No minimum balance requirements. Minimum daily balance to earn APY is $0.01. Rate may change at any time.Over $0 | 0.05% | $5 | No minimum balance requirements. Minimum daily balance to earn APY is $0.01. Rate may change at any time. |
Sources (2)
All captured Oct 5, 2026
Who can join St. Mary's 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 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.
Membership information collected October 5, 2026.