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St Michaels Federal Credit Union

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St Michaels Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, St Michaels Federal 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: April 25, 2026

You can compare St Michaels Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.25%, 6-month share certificate rates at 2.27% and 3-month share certificate rates at 0.10%. Savings rates are at 1.16% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.24%. All these rates can be compared to St Michaels Federal Credit Union rates. MonitorBankRates evaluates the financial stability of St Michaels Federal Credit Union with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/25/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

St Michaels Federal Credit Union
office

678 School St
Craig, CO 81625

Current Rate Availability

We do not have St Michaels Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name St Michaels Federal Credit Union

Website

Address 678 School St, Craig, CO 81625

Phone 970-824-2668

Fax

President Martin Schiffbauer

CEO Kay Weeldreyer

Full-Time Employees 0

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Return on Assets (ROA)

1.3306%

Return on Equity (ROE)

10.2405%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

991,014

Total Amount of Shares and Deposits

862,251

Total Shares and Deposits < 1 Year

862,251

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

862,251

Total Interest Expense (Sum of items 6 8)

4,675

Number of Accounts for Regular Shares

185

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

13,186

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

296,301

Total Liabilities

862,251

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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

Average Rating

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Total Reviews

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Frequently Asked Questions About St Michaels Federal Credit Union

Is St Michaels Federal Credit Union a safe place to deposit money?

Yes, St Michaels Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does St Michaels Federal Credit Union operate?

St Michaels 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 Federal Credit Union?

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

Does St Michaels Federal Credit Union offer online and mobile banking?

Most modern institutions like St Michaels Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.