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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Southbridge Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
Southbridge Credit Union's savings rates are at 0.05%. Southbridge Credit Union's money market rates are at 0.75%. Southbridge Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Southbridge Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.37%. Rates were last updated on 03/28/2026. Southbridge 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 Southbridge Credit Union? Share your experience about Southbridge Credit Union by leaving a review below, or read customer reviews before you decide to use Southbridge Credit Union. Southbridge Credit Union
Lending Center Operations 155 Main St
https://www.southbridgecu.com Southbridge, MA 01550 
Southbridge Credit Union Savings Rates
Southbridge Credit Union Money Market Rates
Southbridge Credit Union Home Equity & HELOC
Southbridge Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Southbridge 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 Southbridge 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 Southbridge Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Southbridge Credit Union
Website
https://www.southbridgecu.com
Address
155 Main St,
Southbridge, MA 01550
Phone
508-764-1773
Fax
508-764-1777
President
Phil Cyr
CEO
Katherine Theodoss
Full-Time Employees
40
Part-Time Employees
2
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.37%
Return on Assets (ROA)
0.3211%
Return on Equity (ROE)
2.9440%
Non-Performing Loans Ratio (NPL)
0.20%
Total Assets
230,899,793
Total Amount of Shares and Deposits
202,187,492
Total Shares and Deposits < 1 Year
188,994,404
Total Shares and Deposits 1 3 Years
12,312,691
Total Shares and Deposits > 3 Years
880,396
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,280,989
Total Uninsured Shares and Deposits > $250K (F+J)
12,280,989
Total Insured Shares and Deposits > $250K (item 17 less item K)
189,906,503
Total Interest Expense (Sum of items 6 8)
2,306,991
Share Certificates
1,235
Number of Accounts for Share Drafts
8,467
IRA KEOGH Accounts
440
Number of Accounts for Regular Shares
13,332
All other shares
492
Money Market Shares
340
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
13,727,725
Total Liabilities
206,057,321
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Southbridge Credit UnionIs Southbridge Credit Union a safe place to deposit money?Yes, Southbridge Credit Union is considered a safe financial institution. With a Texas Ratio of 1.3656237362322%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Southbridge Credit Union operate?Southbridge 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 Southbridge Credit Union?Yes, to access services at Southbridge 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, Southbridge 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, Southbridge Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Southbridge Credit Union offer online and mobile banking?Most modern institutions like Southbridge 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.southbridgecu.com. Current Southbridge Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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