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 St Michaels Fall River Federal Credit Union Rates & Review October 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.
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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: October 12, 2026
St Michaels Fall River Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its 1 Year One Year CD, 0.05% APY on savings, 0.25% APY on money market accounts, 0.05% APY on checking, and personal loans from 10.00% APR, according to rates verified by MonitorBankRates. Other St Michaels Fall River Federal Credit Union CD rates include 18 Month CD at 3.00%, 2 Year Two Year CD at 2.50%, and 3 Year Three Year CD at 2.50%. MonitorBankRates evaluates the financial stability of St Michaels Fall River Federal Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.10%. Rates last updated and verified on 10/12/2026. St Michaels Fall River Federal 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 Michaels Fall River Federal Credit Union? Share your experience about St Michaels Fall River Federal Credit Union by leaving a review below, or read customer reviews before you decide to use St Michaels Fall River Federal Credit Union. St Michaels Fall River Federal Credit Union
St. Michael's (Fall River) Federal Credit Union 775 Davol St
https://www.stmichaelsfcu.com Fall River, MA 02720-1028  Customer Reviews
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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 Michaels Fall River Federal Credit Union CD Rates
St Michaels Fall River Federal Credit Union Savings Rates
St Michaels Fall River Federal Credit Union Money Market Rates
St Michaels Fall River Federal Credit Union Checking Rates
St Michaels Fall River Federal Credit Union Auto Loan Rates
St Michaels Fall River Federal Credit Union Personal Loan Rates
Financial Health HistorySt Michaels Fall River Federal Credit Union’s Texas Ratio rose from 8.58% in Q3 2023 to 16.10% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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 Michaels Fall River Federal 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 Michaels Fall River Federal 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 Michaels Fall River Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
St Michaels Fall River Federal Credit Union
Website
https://www.stmichaelsfcu.com
Address
775 Davol St,
Fall River, MA 02720-1028
Phone
508-674-3861
Fax
508-677-4966
President
Craig Cabral
CEO
Arastou Mahjoory
Full-Time Employees
11
Part-Time Employees
1
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A- (91/100)
Texas Ratio
16.10%
Return on Assets (ROA)
0.2606%
Return on Equity (ROE)
2.8175%
Non-Performing Loans Ratio (NPL)
1.70%
Total Assets
121,406,942
Total Amount of Shares and Deposits
109,963,104
Total Shares and Deposits < 1 Year
107,878,257
Total Shares and Deposits 1 3 Years
2,063,228
Total Shares and Deposits > 3 Years
21,619
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,276,558
Total Uninsured Shares and Deposits > $250K (F+J)
9,276,558
Total Insured Shares and Deposits > $250K (item 17 less item K)
100,686,546
Total Interest Expense (Sum of items 6 8)
1,420,898
Share Certificates
914
Number of Accounts for Share Drafts
1,165
IRA KEOGH Accounts
132
Number of Accounts for Regular Shares
3,368
Non Member Deposits
4
Money Market Shares
150
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)
6,292,710
Total Liabilities
110,177,892
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About St Michaels Fall River Federal Credit UnionHow many branches does St Michaels Fall River Federal Credit Union operate?St Michaels Fall River Federal 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 Michaels Fall River Federal Credit Union?Yes, to access services at St Michaels Fall River Federal 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 Michaels Fall River Federal 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 Michaels Fall River Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does St Michaels Fall River Federal Credit Union offer online and mobile banking?Most modern institutions like St Michaels Fall River Federal 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.stmichaelsfcu.com. Current St Michaels Fall River Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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