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St Annes Credit Union

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St Annes Credit Union Rates & Review May 2026

Q: How 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 15, 2026

You can compare St Annes Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.00%, 6-month share certificate rates at 3.68% and 3-month share certificate rates at 0.60%. Savings rates are at 1.00% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 6.09%. All these rates can be compared to St Annes Credit Union rates. 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 3.11%. Rates were last updated on 05/15/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.11%

Excellent Lower than avg

St Annes Credit Union
Corporate Office

829 S Main St
Fall River, MA 02724

https://www.stannes.com

St Annes Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
5/1 Adjustable Rate Mortgage (ARM)	-	4.990%	5.73%
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates 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 126

Part-Time Employees 6

Branch Locations 12

ATM Locations 11

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.11%

Return on Assets (ROA)

0.2160%

Return on Equity (ROE)

2.4036%

Non-Performing Loans Ratio (NPL)

0.36%

Total Assets

1,389,171,446

Total Amount of Shares and Deposits

1,047,889,557

Total Shares and Deposits < 1 Year

1,028,875,634

Total Shares and Deposits 1 3 Years

17,107,105

Total Shares and Deposits > 3 Years

1,906,818

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

73,389,314

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

73,713,309

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

974,176,248

Total Interest Expense (Sum of items 6 8)

20,028,516

Share Certificates

7,453

Number of Accounts for Share Drafts

37,166

IRA KEOGH Accounts

2,160

Number of Accounts for Regular Shares

58,044

All other shares

1,807

Non Member Deposits

Money Market Shares

1,248

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

3,000,656

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

64,271,714

Total Liabilities

1,269,862,347

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About St Annes Credit Union

How 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.