Southbridge Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Southbridge Credit Union12-month CD rates can be found at 1.00%, 6-month CD rates at 3.95% and 3-month CD rates at 0.90%. Savings rates are at 0.05% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.41%. Credit Card rates are at 18.00%. Personal Loan rates are at 9.49%. All these rates, and more, can be found in our database of rates which you can compare to Southbridge Credit Union rates.

Compare Southbridge 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 Southbridge 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.

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

Overall, Southbridge Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Southbridge Credit Union
Lending Center Operations
155 Main St
Southbridge, MA 01550
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare Southbridge Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Heritage Bank Minnesota
Heritage Bank Minnesota
12-Month CD
4.11%
$250
Dearborn Federal Savings Bank
Dearborn Federal Savings Bank
12-Month CD (Jumbo)
4.10%
$100,000
BankGloucester
BankGloucester
Elite Checking
4.06%
$50
Bayer Heritage Federal Credit Union
Bayer Heritage Federal Credit Union
12-Month CD (Jumbo)
3.98%
$100,000
First Southern State Bank
First Southern State Bank
12-Month CD
3.92%
$500
Hughes Federal Credit Union
Hughes Federal Credit Union
12-Month CD
3.82%
$1,000
Arvest Bank
Arvest Bank
12-Month CD
3.75%
$0
United State Bank Lewistown, MO
United State Bank Lewistown, MO
36-Month CD
3.56%
$1,000
Primary Bank
Primary Bank
12-Month CD
3.50%
$1,000
Northern Bank Direct
Northern Bank Direct
48-Month CD
3.50%
$500
All America Bank
All America Bank
36-Month CD
3.25%
$500
Boonville Federal Savings Bank
Boonville Federal Savings Bank
24-Month CD
3.03%
$1,000
Montgomery Bank
Montgomery Bank
3-Month CD
3.01%
$1,000
Kanza Bank
Kanza Bank
18-Month CD
3.00%
$1,000
Bank Forward
Bank Forward
24-Month CD
3.00%
$500
FNB Bank, Inc. Romney, WV
FNB Bank, Inc. Romney, WV
36-Month CD
2.65%
$1,000
Texas Heritage National Bank
Texas Heritage National Bank
48-Month CD
2.63%
$1,000
Farmers State Bank Center, TX
Farmers State Bank Center, TX
18-Month CD
2.48%
$1,000
Murray Bank
Murray Bank
24-Month CD
2.25%
$1,000
American Bank & Trust Co, Inc.
American Bank & Trust Co, Inc.
Business Money Market
2.25%
$2,500
First National Bank Ames, Iowa
First National Bank Ames, Iowa
12-Month CD
2.12%
$1,000
Fairfield Federal S&L of Lancaster
Fairfield Federal S&L of Lancaster
18-Month CD
2.02%
$500
Bank of Elgin
Bank of Elgin
24-Month CD
2.02%
$500
Acipco Federal Credit Union
Acipco Federal Credit Union
12-Month CD
2.02%
$1,000
Frontier State Bank
Frontier State Bank
Money market
1.97%
$500
Lee Bank
Lee Bank
18-Month CD
1.50%
$500
Consumers Credit Union
Consumers Credit Union
48-Month CD
1.35%
$250
Vinton County Bank
Vinton County Bank
60-Month CD
1.26%
$1,000
Academy Bank
Academy Bank
6-Month CD
1.15%
$500
William Penn Bank
William Penn Bank
48-Month CD
1.01%
$500
Connex Credit Union
Connex Credit Union
6-Month CD
1.00%
$500
First State Bank and Trust
First State Bank and Trust
3-Month CD
0.95%
$2,500
Spencer Savings Bank
Spencer Savings Bank
60-Month CD
0.65%
$1,000
Freehold Bank
Freehold Bank
48-Month CD
0.55%
$500
Franklin Bank
Franklin Bank
60-Month CD
0.55%
$50
Bay State Savings Bank
Bay State Savings Bank
Money Market
0.50%
$5,000
First Community Bank of Hillsboro
First Community Bank of Hillsboro
48-Month CD
0.50%
$1,000
Century Next Bank
Century Next Bank
Regular Savings
0.50%
$0
First National Bank and Trust AL
First National Bank and Trust AL
36-Month CD
0.35%
$1,000
Peoples Bank of Kentucky
Peoples Bank of Kentucky
12-Month CD
0.30%
$1,000
BankWest Of Kansas
BankWest Of Kansas
6-Month CD
0.25%
$0
Tompkins Community Bank
Tompkins Community Bank
18-Month CD
0.25%
$1,000
American Bank of Baxter Springs
American Bank of Baxter Springs
12-Month CD
0.20%
$1,000
Watertown Savings Bank Watertown, MA
Watertown Savings Bank Watertown, MA
48-Month CD
0.20%
$1,000
First Southern Bank
First Southern Bank
Interest Checking
0.20%
$1,000
Greeneville Federal Bank
Greeneville Federal Bank
Golden Money Market
0.07%
$1,000
Community Bank of Trenton
Community Bank of Trenton
Money Market Gold
0.05%
$2,500
First Sentinel Bank
First Sentinel Bank
Checking
0.05%
$250
Reading Co-op Bank
Reading Co-op Bank
Money Market
0.05%
$0
DB&T
DB&T
High Yield Savings
0.05%
$100,000
Show 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.

Compare Southbridge Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
First FSB of Champaign Urbana
First FSB of Champaign Urbana
10-Year Fixed
5.500%
5.569%
0.000
Navy Federal Credit Union
Navy Federal Credit Union
15-Year Fixed Jumbo
5.500%
5.733%
0.500
Mutual Security Credit Union
Mutual Security Credit Union
15-Year Fixed
5.750%
5.793%
0.000
Investment Savings Bank
Investment Savings Bank
3/1 ARM
6.000%
5.892%
0.000
Catholic Vantage Financial Credit Union
Catholic Vantage Financial Credit Union
10 Year Fixed
5.625%
5.903%
0.000
Wells Fargo
Wells Fargo
30-Year Fixed VA
5.750%
5.979%
1.000
Golden Belt Bank, FSA
Golden Belt Bank, FSA
20-Year Fixed
6.000%
6.029%
0.000
Altoona First Savings Bank
Altoona First Savings Bank
30-Year Fixed
6.000%
6.031%
0.000
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
15-Year Fixed
5.750%
6.038%
0.000
FNB of River Falls
FNB of River Falls
10-Year Fixed
5.875%
6.042%
0.000
Freedom Credit Union
Freedom Credit Union
15 Year Fixed
5.625%
6.055%
0.000
Navy Federal Credit Union
Navy Federal Credit Union
30-Year Fixed
6.000%
6.142%
0.500
FNB of Scotia
FNB of Scotia
15-Year Fixed
6.000%
6.150%
0.000
WVS West View SB
WVS West View SB
15-Year Fixed
5.875%
6.161%
0.000
American Bank
American Bank
15-Year Fixed
5.875%
6.173%
0.000
Premier Bank Dubuque, IA
Premier Bank Dubuque, IA
20-Year Fixed
6.125%
6.256%
0.000
Penn Community Bank
Penn Community Bank
30-Year Fixed
6.125%
6.262%
0.000
Mid-Atlantic Federal Credit Union
Mid-Atlantic Federal Credit Union
7/6 ARM
6.000%
6.269%
0.000
Harleysville Bank
Harleysville Bank
15-Year Fixed
6.250%
6.271%
0.000
Service Federal Credit Union
Service Federal Credit Union
5/1 ARM
5.375%
6.286%
0.000
Credit Human Federal Credit Union
Credit Human Federal Credit Union
30-Year Fixed
6.250%
6.332%
0.000
FNB of River Falls
FNB of River Falls
20-Year Fixed
6.250%
6.345%
0.000
NCB North Cambridge Coopertive Bank
NCB North Cambridge Coopertive Bank
15-Year Fixed
6.375%
6.392%
0.000
Hoosier Hills Credit Union
Hoosier Hills Credit Union
20 Year Fixed
6.250%
6.416%
0.000
Fox Valley Savings Bank
Fox Valley Savings Bank
15-Year Fixed
6.250%
6.460%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Southbridge Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
Abbey Credit Union
Abbey Credit Union
VISA® Classic
12.960%
Randolph Brooks FCU
Randolph Brooks FCU
Premier Rate Credit Card Mastercard
12.950% - 18.000%
Abri Credit Union
Abri Credit Union
Platinum Rewards Visa
15.400% - 24.400%
Earn 1 point for every purchase dollar spent. 12 Month Balance Transfer Rate 0%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Cash Back
16.490% - 17.990%
Access Federal Credit Union
Access Federal Credit Union
Access FCU Visa Gold
9.900%
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Cash Back Credit Card
17.740%
Automatically get 1.5% cash back on all purchases with no fuss
University First Federal Credit Union
University First Federal Credit Union
Visa Secure Card
13.740%
University First Federal Credit Union
University First Federal Credit Union
Visa Crimson Card
13.240%
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Visa Signature Rewards
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Hughes Federal Credit Union
Hughes Federal Credit Union
Visa Platinum Credit Card
9.500% - 12.500%
A & S Federal Credit Union
A & S Federal Credit Union
Visa Classic Card
12.900%
No annual fee
America First Federal Credit Union
America First Federal Credit Union
Platinum Low Rate VISA
12.240%
Low Rate Platinum Card
Y-12 Federal Credit Union
Y-12 Federal Credit Union
VISA Traditional
14.240% - 18.000%
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Platinum
10.900%
The Golden 1 Credit Union
The Golden 1 Credit Union
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
ACMG Federal Credit Union
ACMG Federal Credit Union
VISA Platinum with Rewards
8.900%
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Share-Secured Mastercard
13.900%
Maximum Loan Amount Up to $5,000.00
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Starter
17.990%
Acme Continental Credit Union
Acme Continental Credit Union
Acme Visa Credit Card
9.990% - 18.000%
680 and above rate = 9.90% with Score Card points or 8.80% with No points. 640-679 rate = 10.80%. 600-639 rate = 12.84%. 599 and below rate = 18.00%.
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Rewards Mastercard
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Cash Back
16.100%
AAC Credit Union
AAC Credit Union
Visa Platinum
7.990%
Line of credit up to $20,000. $250,000 travel life insurance
Randolph Brooks FCU
Randolph Brooks FCU
Business Select Credit Card Mastercard
18.000%
America First Federal Credit Union
America First Federal Credit Union
CLASSIC FLAT 1% CASH BACK VISA
18.000%
1% Cash Back Classic Card
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power MasterCard
12.740% - 18.000%
Show More

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.

Compare Southbridge Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
10.000%
$0
12 - 12
1st Liberty Federal Credit Union
1st Liberty Federal Credit Union
Signature Loans
11.240%
$0 - $10,000
60 - 60
Access Community Credit Union
Access Community Credit Union
Personal Loans
11.990%
$0
1 - 12
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Signature Personal Loan
12.650%
$0 - $15,000
1 - 36
1st Street Credit Union
1st Street Credit Union
50% Share Secured Loan
6.460% - 14.990%
$0
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Personal Loan
13.240%
$0
48
1st Valley Credit Union
1st Valley Credit Union
Next Step Loan
10.500%
$0
Abri Credit Union
Abri Credit Union
Personal Loans
8.990% - 19.990%
$500 - $30,000
60
America First Federal Credit Union
America First Federal Credit Union
Line of Credit Variable
16.740%
$0
Vystar Credit Union
Vystar Credit Union
Personal Line of Credit
16.240%
$0
60
1st Northern California Credit Union
1st Northern California Credit Union
1st Line of Credit
9.900%
$0
Academic Federal Credit Union
Academic Federal Credit Union
Signature Loan
7.000%
$500 - $15,000
60
360 Federal Credit Union
360 Federal Credit Union
Anything Loan
10.990%
$500
36
AAC Credit Union
AAC Credit Union
Signature Loans
12.990%
$0
48
1st Street Credit Union
1st Street Credit Union
Note Loan
8.990% - 17.990%
$0
AHE Plant 3 Federal Credit Union
AHE Plant 3 Federal Credit Union
Loan Specials
8.500%
$0 - $6,000
42
The Golden 1 Credit Union
The Golden 1 Credit Union
Personal Loan
8.890%
$0
ACMG Federal Credit Union
ACMG Federal Credit Union
Personal Loans
8.990%
$0
36
ACFCU
ACFCU
Personal Loans
13.450%
$0
60
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Overdraft Protection Loan
11.500% - 17.900%
$0 - $5,000
360 Federal Credit Union
360 Federal Credit Union
Debt Consolidated
9.490%
$500
36
1st Cooperative Federal Credit Union
1st Cooperative Federal Credit Union
Personal Loan
10.990%
$0 - $10,000
60 - 60
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Consumer Loan
10.250% - 17.950%
$0
1 - 36
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
12.500%
$0
60 - 60
Acme Continental Credit Union
Acme Continental Credit Union
Signature Loan
8.950%
$0
1 - 60
Show More

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 Southbridge Credit Union rate data right now, check back for updates, we are adding rates all the time.

Southbridge Credit Union Information

Credit Union Name: Southbridge Credit Union
Full Time Employees: 42
Part Time Employees: 1
President: Phil Cyr
CEO: Katherine Theodoss
Branch Locations: 4
ATM Locations: 4
Corporate Office Address:
155 Main St
Southbridge, MA 01550
Phone Number: 508-764-1773
Fax Number: 508-764-1777

Southbridge Credit Union Financials

Total Assets:
220,908,524
Total Amount of Shares and Deposits:
184,857,310
Total Shares and Deposits < 1 Year:
176,982,725
Total Shares and Deposits 1 3 Years:
5,948,462
Total Shares and Deposits > 3 Years:
1,926,123
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
9,512,179
Total Uninsured Shares and Deposits > $250K (F+J):
9,512,179
Total Insured Shares and Deposits > $250K (item 17 less item K):
175,345,131
Total Interest Expense (Sum of items 6 8):
664,406
Share Certificates:
997
Number of Accounts for Share Drafts:
8,837
IRA KEOGH Accounts:
474
Number of Accounts for Regular Shares:
14,802
All other shares:
520
Money Market Shares:
343
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
12,679,987
Total Liabilities:
197,908,410
Show More

Southbridge Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
No
Financial Education offered for Members?:
No
Are financial literacy Workshops offered?:
Yes
Is there a first time homebuyer program?:
No
Credit management and repair offered?:
No
Online Financial Literacy?:
No
Bilingual Services:
1
No Cost Bill Payer:
Yes
Credit Builder:
1
Mortgage Processing:
Yes
Approved Mortgage Seller?:
Yes
Brokered Certificates of Deposits:
1
payment:
No
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA Last Updated 03/31/2024

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As we enter into the tenth day of a federal government shutdown, we are starting to see just how people are impacted. One area of the government shutdown that is directly affecting people are homebuyers. There are three government agencies that back mortgages for homebuyers - the Federal Housing Administration (FHA), U.S. Department of Veterans Affairs, and the U.S. Department of Agriculture.
Refinance rates have stabilized the past several days after increasing when the Federal Reserve stopped purchasing mortgage-backed securities at the end of March. Fixed conforming 30 year refinance rates increased 30 basis points since the end of March but have since declined back to a level of 5.12 percent.

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Southbridge Credit Union Reviews

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