What are the current interest rates at St Marys Credit Union?

Current rates for St Marys Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 3.95%, 24-Month CD: 3.20%, 60-Month CD: 3.00%, Savings: 0.10%, MMA: 1.25%

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St Marys Credit Union

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St Marys Credit Union Rates & Review October 2026

Q: How many branches does St Marys Credit Union operate?

St Marys Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join St Marys Credit Union?

Yes, to access services at St Marys Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, St Marys Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, St Marys Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

St Marys Credit Union's top rates as of October 14, 2026 are 4.20% APY on its Relationship CDs & Individual Retirement Accounts - 18 Month CD, 0.10% APY on savings, 1.25% APY on money market accounts, and 0.40% APY on checking, according to rates verified by MonitorBankRates. Other St Marys Credit Union CD rates include Relationship Jumbo CDs & Jumbo Individual Retirement Accounts - 18 Month at 4.20%, Relationship CDs & Individual Retirement Accounts - 15 Month at 4.10%, and Relationship Jumbo CDs & Jumbo Individual Retirement Accounts - 15 Month at 4.10%. MonitorBankRates evaluates the financial stability of St Marys Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.47%. Rates last updated and verified on 10/14/2026.

St Marys Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at St Marys Credit Union? Share your experience about St Marys Credit Union by leaving a review below, or read customer reviews before you decide to use St Marys Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.47%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

St Marys Credit Union
St. Mary's Credit Union/Loan Center

46 Lizotte Dr
Marlborough, MA 01752-3061

https://www.stmaryscu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

St Marys Credit Union CD Rates

Product	Rate	APY	Term
Relationship Certificates & Individual Retirement Accounts - 18 Month	-	4.20%	18 Month
Min Deposit $500 Min Balance $500 Details Relationship rate; requires Relationship Checking requirements to be maintained Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 4.20% ▲ 0.75 pts · high 4.20% / low 3.45% Oct 14, 20264.20%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 18 Month	-	4.20%	18 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70% Oct 14, 20264.20%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 15 Month	-	4.10%	15 Month
Min Deposit $500 Min Balance $500 Details Relationship rate; requires Relationship Checking requirements to be maintained Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 15 Month	-	4.10%	15 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificates & Individual Retirement Accounts - 18 Month	-	3.95%	18 Month
Min Deposit $500 Min Balance $500 Details Minimum daily balance to earn APY: $500.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.95% ▲ 0.75 pts · high 3.95% / low 3.20% Oct 14, 20263.95%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 18 Month	-	3.95%	18 Month
Min Deposit $100,000 Min Balance $100,000 Details Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45% Oct 14, 20263.95%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 12 Month	-	3.95%	12 Month
Min Deposit $500 Min Balance $500 Details Relationship rate; requires Relationship Checking requirements to be maintained Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65% Oct 14, 20263.95%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 12 Month	-	3.95%	12 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65% Oct 14, 20263.95%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificates & Individual Retirement Accounts - 15 Month	3.73%	3.85%	15 Month
Min Deposit $500 Min Balance $500 Details Minimum daily balance to earn APY: $500.00 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 15 Month	3.73%	3.85%	15 Month
Min Deposit $100,000 Min Balance $100,000 Details Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 9 Month	3.73%	3.85%	9 Month
Min Deposit $500 Min Balance $500 Details Relationship rate; requires Relationship Checking requirements to be maintained Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 14, 20263.85%▲ from 3.65% Sep 18, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 9 Month	3.73%	3.85%	9 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 14, 20263.85%▲ from 3.65% Sep 18, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificates & Individual Retirement Accounts - 12 Month	-	3.80%	12 Month
Min Deposit $500 Min Balance $500 Details Minimum daily balance to earn APY: $500.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50% Oct 14, 20263.80%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 12 Month	-	3.80%	12 Month
Min Deposit $100,000 Min Balance $100,000 Details Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50% Oct 14, 20263.80%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 6 Month	-	3.75%	6 Month
Min Deposit $500 Min Balance $500 Details Relationship rate; requires Relationship Checking requirements to be maintained Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 14, 20263.75%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 6 Month	-	3.75%	6 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 14, 20263.75%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificates & Individual Retirement Accounts - 9 Month	-	3.70%	9 Month
Min Deposit $500 Min Balance $500 Details Minimum daily balance to earn APY: $500.00 Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50% Oct 14, 20263.70%▲ from 3.50% Sep 22, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 9 Month	-	3.70%	9 Month
Min Deposit $100,000 Min Balance $100,000 Details Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50% Oct 14, 20263.70%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 24 Month	-	3.70%	24 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificates & Individual Retirement Accounts - 6 Month	3.49%	3.60%	6 Month
Min Deposit $500 Min Balance $500 Details Minimum daily balance to earn APY: $500.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50% Oct 14, 20263.60%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 6 Month	3.49%	3.60%	6 Month
Min Deposit $100,000 Min Balance $100,000 Details Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50% Oct 14, 20263.60%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 3 Month	-	3.50%	3 Month
Min Deposit $500 Min Balance $500 Details Relationship rate; requires Relationship Checking requirements to be maintained Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.65% → 3.50% ▲ 2.85 pts · high 3.50% / low 0.65% Oct 14, 20263.50%▲ from 0.65% Sep 14, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 3 Month	-	3.50%	3 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.65% → 3.50% ▲ 2.85 pts · high 3.50% / low 0.65% Oct 14, 20263.50%▲ from 0.65% Sep 14, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 36 Month	-	3.50%	36 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 48 Month	-	3.50%	48 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts - 60 Month	-	3.50%	60 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship pricing; requires Relationship Checking requirements; Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 24 Month	3.35%	3.45%	24 Month
Min Deposit $100,000 Min Balance $100,000 Details Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 24 Month	3.35%	3.45%	24 Month
Min Deposit $500 Min Balance $500 Details Relationship rate; requires Relationship Checking requirements to be maintained Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificates & Individual Retirement Accounts - 3 Month	3.25%	3.35%	3 Month
Min Deposit $500 Min Balance $500 Details Minimum daily balance to earn APY: $500.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 3.35% ▲ 2.85 pts · high 3.35% / low 0.50% Oct 14, 20263.35%▲ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 3 Month	3.25%	3.35%	3 Month
Min Deposit $100,000 Min Balance $100,000 Details Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 3.35% ▲ 2.85 pts · high 3.35% / low 0.50% Oct 14, 20263.35%▲ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 36 Month	3.15%	3.25%	36 Month
Min Deposit $100,000 Min Balance $100,000 Details Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 48 Month	3.15%	3.25%	48 Month
Min Deposit $100,000 Min Balance $100,000 Details Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificates & Jumbo Individual Retirement Accounts - 60 Month	3.15%	3.25%	60 Month
Min Deposit $100,000 Min Balance $100,000 Details Min Daily Balance to earn APY: $100,000.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 36 Month	3.15%	3.25%	36 Month
Min Deposit $500 Min Balance $500 Details Relationship rate; requires Relationship Checking requirements to be maintained Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 48 Month	3.15%	3.25%	48 Month
Min Deposit $500 Min Balance $500 Details Relationship rate; requires Relationship Checking requirements to be maintained Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 60 Month	3.15%	3.25%	60 Month
Min Deposit $500 Min Balance $500 Details Relationship rate; requires Relationship Checking requirements to be maintained Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificates & Individual Retirement Accounts - 24 Month	3.11%	3.20%	24 Month
Min Deposit $500 Min Balance $500 Details Minimum daily balance to earn APY: $500.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificates & Individual Retirement Accounts - 36 Month	2.92%	3.00%	36 Month
Min Deposit $500 Min Balance $500 Details Minimum daily balance to earn APY: $500.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificates & Individual Retirement Accounts - 48 Month	2.92%	3.00%	48 Month
Min Deposit $500 Min Balance $500 Details Minimum daily balance to earn APY: $500.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificates & Individual Retirement Accounts - 60 Month	2.92%	3.00%	60 Month
Min Deposit $500 Min Balance $500 Details Minimum daily balance to earn APY: $500.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Bump-Up 30 Month Certificate	2.68%	2.75%	30 Month
Min Deposit $500 Min Balance $500 Details Relationship Bump-Up Certificates; one bump-up in rate allowed per 30-Month term; requires Relationship Checking requirements to be maintained; membership eligibility required; consumer accounts only Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Bump-Up 30 Month IRA	2.68%	2.75%	30 Month
Min Deposit $500 Min Balance $500 Details Relationship Bump-Up Individual Retirement Accounts; one bump-up in rate allowed per 30-Month term; requires Relationship Checking requirements to be maintained; membership eligibility required; consumer accounts only Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Bump-Up 30 Month Jumbo Certificate	2.68%	2.75%	30 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship Bump-Up Certificates; one bump-up in rate allowed per 30-Month term; requires Relationship Checking requirements to be maintained; membership eligibility required; consumer accounts only Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Bump-Up 30 Month Jumbo IRA	2.68%	2.75%	30 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship Bump-Up Individual Retirement Accounts; one bump-up in rate allowed per 30-Month term; requires Relationship Checking requirements to be maintained; membership eligibility required; consumer accounts only Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Bump-Up 30 Month Certificate	2.44%	2.50%	30 Month
Min Deposit $500 Min Balance $500 Details Bump-Up Certificates & Bump-Up IRAs; one bump-up in rate allowed per 30-Month term; APYs assume funds remain on deposit for one year Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Bump-Up 30 Month IRA	2.44%	2.50%	30 Month
Min Deposit $500 Min Balance $500 Details Bump-Up Certificates & Bump-Up IRAs; one bump-up in rate allowed per 30-Month term; APYs assume funds remain on deposit for one year Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Bump-Up 30 Month Jumbo Certificate	2.44%	2.50%	30 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo; Bump-Up Certificates & Bump-Up IRAs; one bump-up in rate allowed per 30-Month term; APYs assume funds remain on deposit for one year Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Bump-Up 30 Month Jumbo IRA	2.44%	2.50%	30 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo; Bump-Up Certificates & Bump-Up IRAs; one bump-up in rate allowed per 30-Month term; APYs assume funds remain on deposit for one year Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

St Marys Credit Union Savings Rates

Product	Rate	APY
Holiday & Vacation Clubs	0.15%	0.15%
Min Deposit $10 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
IRA Savings	0.10%	0.10%
Min Deposit $10 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Statement & Passbook Savings	0.05%	0.05%
Min Deposit $10 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

St Marys Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.40%	0.40%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Money Market Savings: average minimum balance of $1,000.00 per statement cycle to avoid a $10.00 service charge Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Money Market	0.30%	0.30%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 and over; Money Market Savings: average minimum balance of $1,000.00 per statement cycle to avoid a $10.00 service charge Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 and over; Money Market Savings: average minimum balance of $1,000.00 per statement cycle to avoid a $10.00 service charge Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 and over; Money Market Savings: average minimum balance of $1,000.00 per statement cycle to avoid a $10.00 service charge Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 and over; Money Market Savings: average minimum balance of $1,000.00 per statement cycle to avoid a $10.00 service charge Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

St Marys Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	1.25%	1.25%
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000 minimum daily balance to earn APY Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Business Money Market Account	0.75%	0.75%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000 minimum daily balance to earn APY Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Business Money Market Account	0.20%	0.20%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000 minimum daily balance to earn APY Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Business Money Market Account	0.05%	0.05%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000 minimum daily balance to earn APY Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

St Marys Credit Union Checking Rates

Product	Rate	APY
Relationship Checking	0.40%	0.40%
Min Deposit $2,500 Min Balance $0 Details Qualifications Required: Requires direct deposit; combined average daily deposit balance of $20,000 or more; Balance: $0.01 - $5,000.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Checking	0.10%	0.10%
Min Deposit $2,500 Min Balance $5,000 Details Qualifications Required: Requires direct deposit; combined average daily deposit balance of $20,000 or more; Balance: $5,000.01 and over Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

St Marys Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Plus Checking	0.05%	0.05%
Min Deposit $10 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

St Marys Credit Union Other Rates

Product	Rate	Points	APY/APR
Business Interest on Lawyers Trust Accounts (IOLTAs)	3.00%	-	3.00%
Min Deposit $10 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Kasasa Cash Checking	5.13%	-	5.25%
Min Deposit $10 Min Balance $0 Details Balance: $0.01 - $10,000.00; Qualifying balance up to $10,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

St Marys Credit Union’s Texas Ratio stayed near 0.78% in Q3 2023 to 0.47% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.0B	0.47%	5.0	A+
March 31, 2026	$1.0B	0.45%	5.0	A+
December 31, 2025	$1.0B	0.48%	5.0	A+
September 30, 2025	$1.0B	0.60%	5.0	A+
June 30, 2025	$1.0B	0.31%	5.0	A+
March 31, 2025	$1.0B	0.36%	5.0	A+
December 31, 2024	$1.0B	0.94%	5.0	A+
September 30, 2024	$999M	0.47%	5.0	A+
June 30, 2024	$992M	1.07%	5.0	A+
March 31, 2024	$997M	0.70%	5.0	A+
December 31, 2023	$993M	0.71%	5.0	A+
September 30, 2023	$995M	0.78%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for St Marys Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather St Marys Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with St Marys Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name St Marys Credit Union

Website https://www.stmaryscu.org

Address 46 Lizotte Dr, Marlborough, MA 01752-3061

Phone 508-490-8000

Fax 508-490-8080

President Brian Bouvier

CEO James Petkewich

Full-Time Employees 140

Part-Time Employees 3

Branch Locations 9

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.47%

Return on Assets (ROA)

0.1274%

Return on Equity (ROE)

1.0902%

Non-Performing Loans Ratio (NPL)

0.08%

Total Assets

1,025,753,352

Total Amount of Shares and Deposits

854,942,695

Total Shares and Deposits < 1 Year

802,961,614

Total Shares and Deposits 1 3 Years

47,774,580

Total Shares and Deposits > 3 Years

4,206,501

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

126,217,721

Total Uninsured Shares and Deposits > $250K (F+J)

126,217,721

Total Insured Shares and Deposits > $250K (item 17 less item K)

728,724,974

Total Interest Expense (Sum of items 6 8)

8,922,517

Share Certificates

4,654

Number of Accounts for Share Drafts

22,736

IRA KEOGH Accounts

1,970

Number of Accounts for Regular Shares

43,264

Non Member Deposits

734

Money Market Shares

1,067

Net Income (unless the amount is already included in Undivided Earnings)

1,307,204

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

33,443,619

Total Liabilities

933,422,249

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

St Marys Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About St Marys Credit Union

How many branches does St Marys Credit Union operate?

St Marys Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join St Marys Credit Union?

Yes, to access services at St Marys Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, St Marys Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, St Marys Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does St Marys Credit Union offer online and mobile banking?

Most modern institutions like St Marys Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.stmaryscu.org.