St. Michaels Fall River Federal Credit Union

Headquarters

775 Davol St
Fall River, MA 02720
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
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 Fall River is an NCUA insured institution located in Fall River, MA. It was founded in 1953 and has approximately $100.1 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 8915
Date Established 1953
Assets $100.10 million
Loans $72.14 million
Deposits $92.29 million
Capital $7.77 million
 

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Fall River, Somerset, Swansea, Freetown, Assonet, Berkley, Dighton or Lakeville.

Deposit Rates - December 8, 2021

Your Current Location: Virginia, VA 20146

We do not yet have rates for St. Michaels Fall River

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Loan Rates - December 8, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for ST. MICHAELS FALL RIVER

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



Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Flagstar Bank-Heloc
Flagstar Bank-Heloc
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4.990 %
$0 Learn More
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Note to ST. MICHAELS FALL RIVER
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Branches

Below are St. Michaels Fall River 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:
Ashburn,Virginia


St. Michaels Fall River Locations



Climate Initiatives

ST. MICHAELS FALL RIVER is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

St. Michaels Fall River Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of St. Michaels Fall River. 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 Fall River U.S. Average
5.02% 3.79

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 June 30, 2021, St. Michaels Fall River had $386,331 in non-current loans and $10,900 in owned assets. To cover these potential losses it had $7,774,679 in net worth and $143,290 in loans loss reserves. That gives it a Texas Ratio of 5.02%.

Net Worth
St. Michaels Fall River U.S. Average
7.76% 12.22%

St. Michaels Fall River FCU has a net worth of 7.76% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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