Somerset Federal Credit Union Rates and Review January 2026
Compare Somerset Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Somerset Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilitySomerset 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 CD rates or other rates available. Have you opened an account or have any experiences at Somerset Federal Credit Union? Share your experience about Somerset Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Somerset Federal Credit Union. Overall, Somerset Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Somerset Federal Credit Union Somerset Federal Credit Union 740 County St Somerset, MA 02726  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVisa Classic
3.990%
Introductory Rate of 3.99% APR for 12 months on transactions in the first 90 days.
Academic FCU VISA® Secured Card
10.900% - 15.400%
No annual fee, no cash advance fee, rewards program.
Visa Platinum with Rewards
9.900%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Loan
13.740%
$0
60
Personal Line of Credit
11.500%
$0
Personal Loans
11.740% - 17.990%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Somerset Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Somerset Federal Credit Union
Website: https://www.somersetfcu.com
Full Time Employees: 34Part Time Employees: 4 President: Brian Murphy CEO: Joseph Lajoie Branch Locations: 2 ATM Locations: 2 Corporate Office Address:
740 County St
Somerset, MA 02726 Phone Number: 508-678-2851 Fax Number: 508-646-9903 FinancialsTotal Assets:
249,609,653
Total Amount of Shares and Deposits:
215,393,829
Total Shares and Deposits < 1 Year:
214,864,550
Total Shares and Deposits 1 3 Years:
345,597
Total Shares and Deposits > 3 Years:
183,681
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
15,022,137
Total Uninsured Shares and Deposits > $250K (F+J):
15,022,137
Total Insured Shares and Deposits > $250K (item 17 less item K):
200,371,692
Total Interest Expense (Sum of items 6 8):
2,008,812
Share Certificates:
1,052
Number of Accounts for Share Drafts:
6,563
IRA KEOGH Accounts:
45
Number of Accounts for Regular Shares:
9,351
All other shares:
723
Money Market Shares:
1,021
Net Income (unless the amount is already included in Undivided Earnings):
1,183,134
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
6,774,194
Total Liabilities:
221,454,568
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Somerset Federal Credit UnionIs a member application needed to join Somerset Federal Credit Union?Yes, to access services at Somerset Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Somerset Federal Credit Union provides a range of mortgage and home equity products. Is Somerset Federal Credit Union a safe place to deposit money?Yes, Somerset Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Somerset Federal Credit Union offer online and mobile banking?Most modern institutions like Somerset Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 1.10%, 6-month CD rates at 3.85% and 3-month CD rates at 3.55%. Savings rates are at 0.03% and money market rates are at 0.04%. Mortgage rates on 30-year fixed loans are around 6.23%. Credit Card rates are at 16.24%. Personal Loan rates are at 5.49%. All these rates, and more, can be found in our database of rates which you can compare to 
