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 St Annes Credit Union Rates & Review September 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 and Verified: September 22, 2026
St Annes Credit Union's 12 Month CDs rates are at 3.75%, 12 Month IRA CDs rates are at 3.75%, 18 Month CDs rates are at 3.35%, 18 Month IRA CDs rates are at 3.35%, 24 Month CDs rates are at 3.35%. St Annes Credit Union's savings rates are at 0.10%. St Annes Credit Union's money market rates are at 0.05%. St Annes Credit Union's Adjustable Rate Mortgage - 5/1 ARM rates are at 5.50%, 30-Year Fixed Rate Mortgage rates are at 6.12%. St Annes Credit Union's Personal Loan Rates are as low as 13.99%. MonitorBankRates evaluates the financial stability of St Annes Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.33%. Rates last updated and verified on 09/22/2026. St Annes 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 Annes Credit Union? Share your experience about St Annes Credit Union by leaving a review below, or read customer reviews before you decide to use St Annes Credit Union. 
St Annes Credit Union CD Rates
St Annes Credit Union Savings Rates
St Annes Credit Union Money Market Rates
St Annes Credit Union Checking Rates
St Annes Credit Union Mortgage Rates
St Annes Credit Union Home Equity & HELOC
St Annes Credit Union Auto Loan Rates
St Annes Credit Union Personal Loan Rates
St Annes Credit Union Other Rates
Financial Health HistorySt Annes Credit Union’s Texas Ratio fell from 1.99% in Q2 2023 to 1.33% in Q1 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for St Annes 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 Annes 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 Annes Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
St Annes Credit Union
Website
https://www.stannes.com
Address
829 S Main St,
Fall River, MA 02724
Phone
508-324-7300
Fax
508-672-0957
President
Bruce Fernandes
CEO
Eileen Migliozzi
Full-Time Employees
116
Part-Time Employees
6
Branch Locations
12
ATM Locations
11
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
1.33%
Return on Assets (ROA)
0.1514%
Return on Equity (ROE)
1.5821%
Non-Performing Loans Ratio (NPL)
0.18%
Total Assets
1,345,172,531
Total Amount of Shares and Deposits
1,121,417,886
Total Shares and Deposits < 1 Year
1,106,407,820
Total Shares and Deposits 1 3 Years
12,374,236
Total Shares and Deposits > 3 Years
2,635,830
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
88,663,502
Total Uninsured Shares and Deposits > $250K (F+J)
88,998,775
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,032,419,111
Total Interest Expense (Sum of items 6 8)
5,840,696
Share Certificates
8,010
Number of Accounts for Share Drafts
37,365
IRA KEOGH Accounts
2,109
Number of Accounts for Regular Shares
58,417
All other shares
1,757
Non Member Deposits
25
Money Market Shares
1,290
Net Income (unless the amount is already included in Undivided Earnings)
2,036,479
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)
69,864,246
Total Liabilities
1,221,652,915
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Add Your Rating and Review for St Annes Credit Union
Frequently Asked Questions About St Annes Credit UnionHow many branches does St Annes Credit Union operate?St Annes 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 Annes Credit Union?Yes, to access services at St Annes 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 Annes 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 Annes Credit Union provides members with tools to manage their accounts and build a solid financial history. Does St Annes Credit Union offer online and mobile banking?Most modern institutions like St Annes 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.stannes.com. Current St Annes Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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