St. Michaels

Headquarters

678 School St
Craig, CO 81625
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

St. Michaels is an NCUA insured institution located in Craig, CO. It was founded in 1956 and has approximately $1 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 11340
Date Established 1956
Assets $1.00 million
Loans $0.41 million
Deposits $0.89 million
Capital $0.11 million
 

Deposit Rates - April 14, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for St. Michaels

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Loan Rates - April 14, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for ST. MICHAELS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
2.700% 2.625% 0.63 $2,470 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to ST. MICHAELS
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are St. Michaels branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


St. Michaels Locations


Financial Details

St. Michaels Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of St. Michaels. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
St. Michaels U.S. Average
11.92% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, St. Michaels had $13,922 in non-current loans and $0 in owned assets. To cover these potential losses it had $105,306 in net worth and $11,496 in loans loss reserves. That gives it a Texas Ratio of 11.92%.

Net Worth
St. Michaels U.S. Average
10.55% 12.67%

St. Michaels FCU has a net worth of 10.55% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About St. Michaels

Branches and Savings

What is St. Michaels?

A federal credit union, registered with the NCUA under certificate #11340.
Learn more about credit unions here.

Is St. Michaels FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. St. Michaels is insured by the NCUA.

Who can join St. Michaels?

Please see Field of Membership information above for information on who is eligible to join.

What are St. Michaels's share account and share certificate rates?

St. Michaels's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is St. Michaels?

St. Michaels has total capital of $0.11 million. Full information on St. Michaels's financial position is located above.

Who owns St. Michaels?

Credit Unions are owned by their members.

Where are St. Michaels branches located?

See branch locations nearby.

Are St. Michaels ATMs Open 24/7?

Do St. Michaels ATMs accept cash deposits?

Can St. Michaels customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does St. Michaels have a mobile app?

Does St. Michaels have mobile deposit?

Does St. Michaels have quick pay?

How can St. Michaels transfer money to other banks or credit unions?

Does St. Michaels report to credit bureaus?

Does St. Michaels use Chexsystems?

Does St. Michaels use Equifax?

What is St. Michaels's toll free phone number?

What is St. Michaels's ACH Routing Number?

What is St. Michaels's SWIFT code?

Where can I find St. Michaels's wire transfer form?

What is the St. Michaels address for deposits?

What Products Does St. Michaels Offer

Does St. Michaels offer mortgages?

Compare mortgage rates here.

Does St. Michaels offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does St. Michaels offer auto and RV loans?

Compare auto loan rates here.

Does St. Michaels offer student loans or personal loans?

Compare personal loan rates here.

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