What are the current interest rates at St Marys Credit Union?

Current rates for St Marys Credit Union include: 12-Month CD: 3.90%, 18-Month CD: 4.00%, 24-Month CD: 3.20%, 60-Month CD: 3.00%, Savings: 0.10%, MMA: 0.40%

MonitorBankRates

☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
St Marys Credit Union

iAdvertiser Disclosure

St Marys Credit Union Rates & Review November 2026

Q: What CD terms does St Marys Credit Union offer?

St Marys Credit Union CD rates are 3.85% APY for a 9 month CD, 4.20% APY for a 12 month CD, 4.40% APY for an 18 month CD, 3.20% APY for a 2 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with St Marys Credit Union for its full lineup.

Q: How many branches does St Marys Credit Union operate?

St Marys 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 Marys Credit Union?

Yes, to access services at St Marys 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

St Marys Credit Union's Relationship CD - 18 Month rates are at 4.40%, Relationship CDs & Individual Retirement Accounts - 18 Month rates are at 4.25%, Relationship CD - 12 Month rates are at 4.20%, Relationship CDs & Individual Retirement Accounts - 12 Month rates are at 4.05%, Relationship CD - 9 Month rates are at 3.85%. St Marys Credit Union's savings rates are at 0.10%. St Marys Credit Union's money market rates are at 0.40%. St Marys Credit Union's checking rates are as high as 5.25%. St Marys Credit Union's CD rates are 36% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of St Marys Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.47%. Rates last updated and verified on 10/30/2026.

St Marys 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 Marys Credit Union? Share your experience about St Marys Credit Union by leaving a review below, or read customer reviews before you decide to use St Marys Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.47%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

St Marys Credit Union
St. Mary's Credit Union/Loan Center

46 Lizotte Dr
Marlborough, MA 01752-3061

https://www.stmaryscu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

St Marys Credit Union CD Rates

Product	Rate	APY	Term
18 Month Relationship Jumbo Certificate & IRA	-	4.40%	18 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship Jumbo Certificate & IRA Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship CD - 18 Month	-	4.40%	18 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
15 Month Special Relationship Jumbo Certificate & IRA	-	4.30%	15 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship Jumbo Certificate & IRA; *15 Month Special Certificates and IRAs will automatically convert to a 12-month term upon initial maturity. Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship CD - 15 Month Special	-	4.30%	15 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY; 15 Month Special certificates convert to a 12-month term upon initial maturity; Relationship CD pricing table Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 18 Month	-	4.25%	18 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 minimum daily balance to earn APY; Relationship rate requires Relationship Checking Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45% Oct 26, 20264.25%▲ from 4.20% Oct 14, 20264.20%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship CD - 12 Month	-	4.20%	12 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
15 Month Special Relationship Certificate & IRA	-	4.15%	15 Month
Min Deposit $500 Min Balance $500 Details Relationship Certificate & IRA; *15 Month Special Certificates and IRAs will automatically convert to a 12-month term upon initial maturity. Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificate - 18 Month	-	4.15%	18 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 15 Month Special	-	4.15%	15 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 minimum daily balance to earn APY; Relationship rate requires Relationship Checking; 15 Month Special certificates and IRAs convert to a 12 month term at initial maturity Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
15 Month Special Jumbo Certificate & IRA	-	4.05%	15 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo Certificate & IRA; *15 Month Special Certificates and IRAs will automatically convert to a 12-month term upon initial maturity. Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificate - 12 Month	-	4.05%	12 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificate - 15 Month Special	-	4.05%	15 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY; 15 Month Special Certificates convert to a 12-month term upon initial maturity Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 12 Month	-	4.05%	12 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 minimum daily balance to earn APY; Relationship rate requires Relationship Checking Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65% Oct 26, 20264.05%▲ from 3.95% Oct 14, 20263.95%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificate & IRA 18 Month	-	4.00%	18 Month
Min Deposit $500 Min Balance $500 Details Certificates and IRAs Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
15 Month Special Certificate & IRA	-	3.90%	15 Month
Min Deposit $500 Min Balance $500 Details *15 Month Special Certificates and IRAs will automatically convert to a 12-month term upon initial maturity. Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificate & IRA 12 Month	-	3.90%	12 Month
Min Deposit $500 Min Balance $500 Details Certificates and IRAs Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship CD - 9 Month	3.73%	3.85%	9 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 9 Month	3.73%	3.85%	9 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 minimum daily balance to earn APY; Relationship rate requires Relationship Checking Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship CD - 6 Month	-	3.75%	6 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 6 Month	-	3.75%	6 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 minimum daily balance to earn APY; Relationship rate requires Relationship Checking Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 14, 20263.75%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificate & IRA 9 Month	-	3.70%	9 Month
Min Deposit $500 Min Balance $500 Details Certificates and IRAs Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificate - 9 Month	-	3.70%	9 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship CD - 24 Month	-	3.70%	24 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificate & IRA 6 Month	3.49%	3.60%	6 Month
Min Deposit $500 Min Balance $500 Details Certificates and IRAs Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificate - 6 Month	3.49%	3.60%	6 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship CD - 3 Month	-	3.50%	3 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship CD - 36 Month	-	3.50%	36 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship CD - 48 Month	-	3.50%	48 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship CD - 60 Month	-	3.50%	60 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY; Relationship CD pricing table Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 3 Month	-	3.50%	3 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 minimum daily balance to earn APY; Relationship rate requires Relationship Checking; 3 month term is for Certificates only, not IRAs Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.65% → 3.50% ▲ 2.85 pts · high 3.50% / low 0.65% Oct 14, 20263.50%▲ from 0.65% Sep 14, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificate - 24 Month	3.35%	3.45%	24 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 24 Month	3.35%	3.45%	24 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 minimum daily balance to earn APY; Relationship rate requires Relationship Checking Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificate & IRA 3 Month	3.25%	3.35%	3 Month
Min Deposit $500 Min Balance $500 Details Certificates and IRAs; 3 month term available for Certificates only Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificate - 3 Month	3.25%	3.35%	3 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificate - 36 Month	3.15%	3.25%	36 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificate - 48 Month	3.15%	3.25%	48 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Jumbo Certificate - 60 Month	3.15%	3.25%	60 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 minimum daily balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 36 Month	3.15%	3.25%	36 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 minimum daily balance to earn APY; Relationship rate requires Relationship Checking Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 48 Month	3.15%	3.25%	48 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 minimum daily balance to earn APY; Relationship rate requires Relationship Checking Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Certificates & Individual Retirement Accounts - 60 Month	3.15%	3.25%	60 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 minimum daily balance to earn APY; Relationship rate requires Relationship Checking Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificate & IRA 24 Month	3.11%	3.20%	24 Month
Min Deposit $500 Min Balance $500 Details Certificates and IRAs Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificate & IRA 36 Month	2.92%	3.00%	36 Month
Min Deposit $500 Min Balance $500 Details Certificates and IRAs Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificate & IRA 48 Month	2.92%	3.00%	48 Month
Min Deposit $500 Min Balance $500 Details Certificates and IRAs Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Certificate & IRA 60 Month	2.92%	3.00%	60 Month
Min Deposit $500 Min Balance $500 Details Certificates and IRAs Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Bump-Up 30 Month Certificate	2.68%	2.75%	30 Month
Min Deposit $500 Min Balance $500 Details Relationship Bump-Up Certificates; Relationship Checking requirements must be maintained for preferred rates; One bump-up in rate allowed per 30-Month term; Membership eligibility required; Consumer accounts only Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Bump-Up 30 Month IRA	2.68%	2.75%	30 Month
Min Deposit $500 Min Balance $500 Details Relationship Bump-Up Individual Retirement Accounts; Relationship Checking requirements must be maintained for preferred rates; One bump-up in rate allowed per 30-Month term; Membership eligibility required; Consumer accounts only; Annual contribution limits may apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Bump-Up 30 Month Jumbo Certificate	2.68%	2.75%	30 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship Bump-Up Certificates; Relationship Checking requirements must be maintained for preferred rates; One bump-up in rate allowed per 30-Month term; Membership eligibility required; Consumer accounts only Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Bump-Up 30 Month Jumbo IRA	2.68%	2.75%	30 Month
Min Deposit $100,000 Min Balance $100,000 Details Relationship Bump-Up Individual Retirement Accounts; Relationship Checking requirements must be maintained for preferred rates; One bump-up in rate allowed per 30-Month term; Membership eligibility required; Consumer accounts only; Annual contribution limits may apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Bump-Up 30 Month Certificate	2.44%	2.50%	30 Month
Min Deposit $500 Min Balance $500 Details Bump-Up Certificate; one bump-up in rate allowed per 30-Month term; APYs assume funds remain on deposit for one year; Dividend Rate 2.44% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Bump-Up 30 Month IRA	2.44%	2.50%	30 Month
Min Deposit $500 Min Balance $500 Details Bump-Up IRA; one bump-up in rate allowed per 30-Month term; APYs assume funds remain on deposit for one year; Dividend Rate 2.44% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Bump-Up 30 Month Jumbo Certificate	2.44%	2.50%	30 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo Bump-Up Certificate; one bump-up in rate allowed per 30-Month term; APYs assume funds remain on deposit for one year; Dividend Rate 2.44% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Bump-Up 30 Month Jumbo IRA	2.44%	2.50%	30 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo Bump-Up IRA; one bump-up in rate allowed per 30-Month term; APYs assume funds remain on deposit for one year; Dividend Rate 2.44% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

St Marys Credit Union Savings Rates

Product	Rate	APY
Holiday & Vacation Clubs	0.15%	0.15%
Min Deposit $10 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
IRA Savings	0.10%	0.10%
Min Deposit $10 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Statement & Passbook Savings	0.05%	0.05%
Min Deposit $10 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

St Marys Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.40%	0.40%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Money Market Savings: average minimum balance of $1,000.00 per statement cycle to avoid a $10.00 service charge Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Money Market	0.30%	0.30%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Money Market Savings: average minimum balance of $1,000.00 per statement cycle to avoid a $10.00 service charge Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Money Market Savings: average minimum balance of $1,000.00 per statement cycle to avoid a $10.00 service charge Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 - $9,999.99; Money Market Savings: average minimum balance of $1,000.00 per statement cycle to avoid a $10.00 service charge Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Money Market Savings: average minimum balance of $1,000.00 per statement cycle to avoid a $10.00 service charge Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

St Marys Credit Union Checking Rates

Product	Rate	APY
Kasasa Cash Checking	5.13%	5.25%
Min Deposit $10 Min Balance $0 Details Balance: $0.01 - $10,000; Qualifying balance up to $10,000.00; Minimum deposit to open $10.00; For more information and qualifications click here Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Relationship Checking	0.40%	0.40%
Min Deposit $2,500 Min Balance $0 Details Qualifications Required; Balance: $0.01 - $5,000.00; Qualifying balance up to $5,000.00; Combined average daily deposit balance of $20,000 or more for all deposit accounts of the same tax reported owner; $15 monthly fee if average daily account balance falls below $2,500.00; Rate subject to change without notice Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

St Marys Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Plus Checking	0.05%	0.05%
Min Deposit $10 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

St Marys Credit Union Other Rates

Product	Rate	Points	APY/APR
Business Accounts & IOLTAs	0.05%	-	0.05%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000 minimum daily balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Business Accounts & IOLTAs	0.20%	-	0.20%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000 minimum daily balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Business Accounts & IOLTAs	0.75%	-	0.75%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000 minimum daily balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Business Accounts & IOLTAs	1.25%	-	1.25%
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000 minimum daily balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Interest on Lawyers Trust Accounts (IOLTAs)	3.00%	-	3.00%
Min Deposit $10 Min Balance $0 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.81% → 3.00% ▲ 0.19 pts · high 3.00% / low 2.81% Oct 19, 20263.00%▲ from 2.81% Sep 14, 20262.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

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.

Financial Health History

St Marys Credit Union’s Texas Ratio stayed near 0.78% in Q3 2023 to 0.47% in Q2 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.0B	0.47%	5.0	A+
March 31, 2026	$1.0B	0.45%	5.0	A+
December 31, 2025	$1.0B	0.48%	5.0	A+
September 30, 2025	$1.0B	0.60%	5.0	A+
June 30, 2025	$1.0B	0.31%	5.0	A+
March 31, 2025	$1.0B	0.36%	5.0	A+
December 31, 2024	$1.0B	0.94%	5.0	A+
September 30, 2024	$999M	0.47%	5.0	A+
June 30, 2024	$992M	1.07%	5.0	A+
March 31, 2024	$997M	0.70%	5.0	A+
December 31, 2023	$993M	0.71%	5.0	A+
September 30, 2023	$995M	0.78%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for St Marys 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 Marys 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 Marys Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name St Marys Credit Union

Website https://www.stmaryscu.org

Address 46 Lizotte Dr, Marlborough, MA 01752-3061

Phone 508-490-8000

Fax 508-490-8080

President Brian Bouvier

CEO James Petkewich

Full-Time Employees 140

Part-Time Employees 3

Branch Locations 9

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.47%

Return on Assets (ROA)

0.1274%

Return on Equity (ROE)

1.0902%

Non-Performing Loans Ratio (NPL)

0.08%

Total Assets

1,025,753,352

Total Amount of Shares and Deposits

854,942,695

Total Shares and Deposits < 1 Year

802,961,614

Total Shares and Deposits 1 3 Years

47,774,580

Total Shares and Deposits > 3 Years

4,206,501

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

126,217,721

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

126,217,721

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

728,724,974

Total Interest Expense (Sum of items 6 8)

8,922,517

Share Certificates

4,654

Number of Accounts for Share Drafts

22,736

IRA KEOGH Accounts

1,970

Number of Accounts for Regular Shares

43,264

Non Member Deposits

734

Money Market Shares

1,067

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

1,307,204

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)

33,443,619

Total Liabilities

933,422,249

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

St Marys Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/st-marys-credit-union-rates-review-67864">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for St Marys Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for St Marys Credit Union

Frequently Asked Questions About St Marys Credit Union

Does St Marys Credit Union offer CDs?

Yes. St Marys Credit Union current CD rates include its Relationship CD - 18 Month at 4.40% APY, its Relationship CDs & Individual Retirement Accounts - 18 Month at 4.25% APY and its Relationship CD - 12 Month at 4.20% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from St Marys Credit Union NCUA insured?

Yes. St Marys Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at St Marys Credit Union?

The highest St Marys Credit Union CD rate is its 18 Month Relationship Jumbo CD & IRA at 4.40% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does St Marys Credit Union offer?

St Marys Credit Union CD rates are 3.85% APY for a 9 month CD, 4.20% APY for a 12 month CD, 4.40% APY for an 18 month CD, 3.20% APY for a 2 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with St Marys Credit Union for its full lineup.

What is the highest savings rate at St Marys Credit Union?

The highest St Marys Credit Union savings rate is its IRA Savings at 0.10% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at St Marys Credit Union?

The highest St Marys Credit Union money market rate is its Money Market at 0.40% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at St Marys Credit Union?

The highest St Marys Credit Union checking rate is its Kasasa Cash Checking at 5.25% APY, verified by MonitorBankRates as of October 30, 2026.

How many branches does St Marys Credit Union operate?

St Marys 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 Marys Credit Union?

Yes, to access services at St Marys 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 Marys 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 Marys Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does St Marys Credit Union offer online and mobile banking?

Most modern institutions like St Marys 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.stmaryscu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do St Marys Credit Union rates compare?

St Marys Credit Union's CD rates are 36% higher than the MonitorBankRates national average, and it has an A+ health rating. St Marys Credit Union's top rates are its 18 Month Relationship Jumbo CD & IRA at 4.40% APY, its IRA Savings at 0.10% APY, its Money Market at 0.40% APY and its Kasasa Cash Checking at 5.25% APY, verified by MonitorBankRates on October 30, 2026.

Current St Marys Credit Union Rates

12-Month CD3.90%
18-Month CD4.00%
24-Month CD3.20%
60-Month CD3.00%
Savings0.10%
MMA0.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

St Marys Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

St Marys Credit Union Texas Ratio

St Marys Credit Union Health Trend

St Marys Credit Union CD Rates

St Marys Credit Union Savings Rates

St Marys Credit Union Money Market Rates

St Marys Credit Union Checking Rates

St Marys Credit Union Business Checking Rates

St Marys Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

St Marys Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About St Marys Credit Union

Does St Marys Credit Union offer CDs?

Are CDs from St Marys Credit Union NCUA insured?

What is the highest CD rate at St Marys Credit Union?

What CD terms does St Marys Credit Union offer?

What is the highest savings rate at St Marys Credit Union?

What is the highest money market rate at St Marys Credit Union?

What is the highest checking rate at St Marys Credit Union?

How many branches does St Marys Credit Union operate?

Is a member application needed to join St Marys Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does St Marys Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do St Marys Credit Union rates compare?

Current St Marys Credit Union Rates

Compare to Other Credit Unions