What are the current interest rates at St Michaels Federal Credit Union?

Current rates for St Michaels Federal Credit Union include:

St Michaels Federal Credit Union Rates and Review January 2026

St Michaels Federal Credit Union 12-month CD rates can be found at 3.40%, 6-month CD rates at 0.05% and 3-month CD rates at 0.10%. Savings rates are at 0.05% and money market rates are at 0.70%. Mortgage rates on 30-year fixed loans are around 5.98%. Credit Card rates are at 11.96%. Personal Loan rates are at 13.99%. All these rates, and more, can be found in our database of rates which you can compare to St Michaels Federal Credit Union rates.

Compare St Michaels 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 St Michaels 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 Availability

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 CD rates or 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, St Michaels Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs Avg

12-Month CD

N/A

2.40%

18-Month CD

N/A

2.17%

24-Month CD

N/A

2.19%

36-Month CD

N/A

2.13%

48-Month CD

N/A

2.12%

60-Month CD

N/A

2.24%

Savings

N/A

0.61%

MMA

N/A

0.76%

30-Year Fixed

N/A

6.04%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

St Michaels Federal Credit Union
office

678 School St
Craig, CO 81625

MonitorBankRates' Rating

5/5

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Review St Michaels Federal Credit Union

CD & Savings Rate Comparison

Andrews Federal Credit Union

Kasasa Checking

5.25%

BankVista

Kasasa Checking

5.00%

$50

Queenstown Bank

QRewards Plus

4.50%

$20

Bread Financial

High Yield Savings

4.05%

$100

167th TFR Federal Credit Union

12-Month CD

3.80%

$500

ESB Bank

36-Month CD

3.75%

$10,000

Enterprise Bank Allison Park, PA

48-Month CD

3.56%

$500

Freedom Bank Huntingburg, IN

6-Month CD

3.55%

$500

Riverland Bank

60-Month CD

3.55%

$1,000

The Dolores State Bank

18-Month CD

3.55%

$1,000

Alliance Community Bank

24-Month CD

3.35%

$1,000

Bank of Star Valley

18-Month CD

3.29%

$250

The Seymour Bank

36-Month CD

3.29%

$1,000

Logansport Savings Bank

6-Month CD

3.28%

$1,000

Parke Bank

60-Month CD

3.25%

$500

CNB Hugoton, KS

12-Month CD

3.07%

$500

State Bank of Southern Utah

Big Interest Checking

3.04%

First State Bank of Harvey

60-Month CD

3.03%

$1,000

BLC Community Bank

6-Month CD

3.00%

$2,500

Peoples Savings Bank Urbana OH

36-Month CD

2.90%

$500

PCB Payne County Bank

60-Month CD

2.85%

$1,000

First Resource Bank Exton, PA

18-Month CD

2.75%

$500

The National Capital Bank of Washington

6-Month CD

2.68%

$1,000

First Southern Bank

36-Month CD

2.53%

$1,000

WCB West Central Bank

12-Month CD

2.52%

$1,000

Citizens National Bank Cameron, TX

Advantage Plus Savings

2.25%

$100

First National Bank of Steeleville

36-Month CD

2.25%

$500

Park Bank

36-Month CD

1.98%

$2,500

First Federal S&L Pascagoula, MS

48-Month CD

1.50%

$10,000

Farmers State Bank of Alto Pass, Ill.

Kasasa Savings

1.00%

First Federal S&L Hazard, KY

60-Month CD

1.00%

$1,000

Middlesex Federal Savings

60-Month CD

0.80%

$500

Karnes County National Bank

Regular Savings

0.75%

$100

First National Bank of Bemidji

Statement Savings

0.71%

$200

ABCO Federal Credit Union

Money Market

0.65%

$1,000

Greenfield Banking Company Greenfield, IN

12-Month CD

0.60%

$1,000

Homeland Community Bank

Money Market

0.50%

$1,000

Minnwest Bank

Investment Savings

0.50%

$10,000

Kearny Bank

24-Month CD

0.40%

$500

State Central Bank

Golden Passbook Savings

0.40%

$2,500

First FSB of Angola

12-Month CD

0.35%

$500

Security Savings Bank

Savings

0.25%

$50

Gorham Savings Bank

Champion Money Market

0.25%

FNB of Absecon

24-Month CD

0.15%

Cambridge Trust Company

24-Month CD

0.15%

$500

Citizens Bank of Kansas

Savings

0.10%

$50

Watertown Savings Bank Watertown, MA

Presidential Savings

0.10%

$25,000

BankNewport

Premium Money Market

0.05%

$25,000

First Nations Bank

12-Month CD

0.05%

$1,000

First Command Bank

Checking

0.01%

$1,000

Disclaimer

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 Comparison

Lender

Product

Rate

APR

Points

Port Washington State Bank

30-Year Fixed

6.000%

6.126%

0.000

Radius Federal Credit Union

20-Year Fixed

5.875%

6.055%

0.000

Truliant Federal Credit Union

15-Year Fixed

5.625%

5.870%

0.000

1st Northern California Credit Union

7-Year Fixed

3.990%

4.357%

0.750

Finger Lakes Federal Credit Union

15-Year Fixed

5.375%

5.468%

0.000

1st Northern California Credit Union

15-Year Fixed

4.500%

4.685%

0.750

Wells Fargo

30-Year Fixed

6.000%

6.162%

1.000

OlyFed Olympia Federal S&L

15-Year Fixed

5.250%

5.499%

1.000

Great Lakes Credit Union

20 Year Fixed

7.125%

7.527%

0.000

FNB of River Falls

30-Year Fixed

5.875%

5.945%

0.000

Kirtland Federal Credit Union

30 Year Fixed

5.875%

6.055%

0.000

Greenville National Bank

5-Year ARM

6.250%

6.199%

0.000

Ideal Credit Union

7/1 ARM

4.875%

5.778%

0.000

Achieva Credit Union

5/1 ARM

5.250%

6.580%

0.000

WVS West View SB

10-Year Fixed

5.125%

5.511%

0.000

First Security B&T Co. IA

30-Year Fixed

6.000%

6.123%

0.000

1st United Credit Union

7/1 ARM

5.375%

5.416%

0.000

Phoenixville Federal B&T

15-Year Fixed

5.375%

5.479%

0.125

Vystar Credit Union

30-Year Fixed (Jumbo)

5.625%

5.633%

0.000

Port Washington State Bank

3/1 ARM

6.500%

6.648%

0.000

Northwest Community Bank

5/1 ARM

5.500%

6.059%

0.000

Addition Financial Credit Union

15-Year Fixed

5.125%

5.304%

0.000

Kohler Credit Union

10/1 ARM

6.250%

7.325%

0.000

Midwest Liberty Federal Credit Union

30 Year Fixed

6.000%

6.183%

0.000

Freedom Credit Union

5/1 ARM

5.375%

5.415%

0.000

OlyFed Olympia Federal S&L

30-Year Fixed

6.125%

6.282%

1.000

Truliant Federal Credit Union

15-Year Fixed Jumbo

5.875%

5.961%

0.000

NESC Federal Credit Union

5/5 ARM

5.500%

5.736%

0.000

FourLeaf Federal Credit Union

30-Year Fixed

5.875%

5.963%

0.000

FirstBank of Nebraska

10/1 ARM

6.375%

6.460%

0.000

Pittsfield Co-operative Bank

30-Year Fixed

6.375%

6.498%

0.000

GreenLeaf Bank

30-Year Fixed

6.500%

6.512%

0.000

First Northern Bank and Trust Company

30-Year Fixed

6.125%

6.266%

0.000

LMCU Lake Michigan Credit Union

7-Year ARM

5.115%

5.787%

1.071

Greenfield Banking Company Greenfield, IN

20-Year Fixed

5.990%

6.290%

0.000

Seaboard Federal Credit Union

15-Year Fixed

5.875%

6.029%

0.000

Aberdeen Proving Ground FCU

15-Year Fixed

5.500%

5.688%

0.125

Abound Federal Credit Union

7-Year ARM

5.500%

5.581%

0.000

Finger Lakes Federal Credit Union

10 Year Fixed

5.250%

5.382%

0.000

Penn East Federal Credit Union

15-Year Fixed

5.750%

5.876%

0.000

Sheboygan Area Credit Union

20-Year Fixed

5.625%

5.673%

0.000

Kohler Credit Union

15 Year Fixed

5.500%

5.677%

0.000

River Falls State Bank

15-Year Fixed

5.375%

5.580%

0.000

Marathon Bank

7/1 ARM

7.000%

7.111%

0.000

American Eagle Financial Credit Union

15-Year Fixed

5.125%

5.291%

0.000

Liberty Bank Middletown, CT

30-Year Fixed

6.000%

6.070%

0.000

DCU Digital Federal Credit Union

10-Year Fixed

5.000%

5.128%

0.250

Methuen Co-operative Bank

15-Year Fixed

5.625%

5.721%

0.000

NESC Federal Credit Union

15 Year Fixed

5.500%

5.556%

0.000

Abri Credit Union

30-Year Fixed

6.125%

6.330%

0.000

View 50 More

Credit Card Rate Comparison

Mountain America Federal Credit Union

Low Rate Credit Card

13.240%

Abbey Credit Union

VISA® Gold

11.960%

Canyon View Credit Union

Visa Student Rewards Card

17.990%

Mountain America Federal Credit Union

Rewards Credit Card

14.240%

Abri Credit Union

Platinum Visa

12.400% - 21.400%

The right choice if you carry a monthly balance & want to pay the lowest rate.

America First Federal Credit Union

SIGNATURE 1.5% CASH BACK VISA

18.000%

Unlimited 1.5% Cash Back Signature Card

1st Northern California Credit Union

Visa Shared Secured

7.900%

Aberdeen Proving Ground FCU

Visa Platinum Preferred

14.240% - 17.990%

Aberdeen Proving Ground FCU

Visa Platinum Clarity

15.990%

ABNB Federal Credit Union

VISA Preferred

12.240% - 18.000%

No annual fees or cash advance fees. Rates may vary depending on credit worthiness.

Mountain America Federal Credit Union

Cash Back Credit Card

17.740%

Automatically get 1.5% cash back on all purchases with no fuss

Marcus Bank

GM Extended Family™ Mastercard®

20.240% - 29.990%

0% Intro purchase APR for first 9 months

Achieve Financial Credit Union

Visa Platinum with Rewards

9.900%

1st Northern California Credit Union

Visa Classic

11.900%

Suncoast Credit Union

Rewards Platinum VISA

12.500%

Credit Limit - $500 - $50,000

Access Federal Credit Union

Access FCU Visa Classic

13.500%

ACFCU

Everyday Rewards+ Card Visa

19.490% - 29.740%

Earn up to 4x unlimited points AND receive a $150 bonus.

Y-12 Federal Credit Union

VISA Secured

18.000%

Canyon View Credit Union

Visa Crimson Rewards Card

13.740%

Teachers Federal Credit Union

Visa Secured

18.000%

ABNB Federal Credit Union

ABNB VISA Signature

14.740% - 17.740%

No annual fees or cash advance fees. Rates may vary depending on credit worthiness.

Academic Federal Credit Union

Academic FCU VISA® Secured Card

10.900% - 15.400%

No annual fee, no cash advance fee, rewards program.

Abilene Teachers Federal Credit Union

Visa or MasterCard

9.990%

Credit Line $500-$7,000

ABCO Federal Credit Union

VISA® Credit Cards

7.990%

Randolph Brooks FCU

World Cash Back Credit Card Mastercard

18.000%

Disclaimer

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 Comparison

SchoolsFirst Federal Credit Union

Personal Loan

9.990% - 18.000%

$0 - $50,000

ACMG Federal Credit Union

Personal Loans

8.990%

Security Service Federal Credit Union

Personal Loan

9.990% - 16.240%

61 - 66

Access Of Louisiana Federal Credit Union

Personal Loan

9.200% - 17.950%

$0 - $2,500

36 - 36

InFirst Bank

Personal Loan

13.000% - 13.200%

$1,500 - $15,000

24 - 24

Access Community Credit Union

Personal Loans

11.990%

1 - 12

2 Rivers Area Credit Union

Signature Loan

10.000%

Academic Federal Credit Union

Debt Consolidation Loan

9.000%

108

AAC Credit Union

Signature Loans

12.990%

Access Credit Union Bristol Pa Credit Union

Personal Loans

7.990%

$0 - $30,000

360 Federal Credit Union

Debt Consolidated

9.490%

$500

Achieva Credit Union

Personal Loan

11.000%

1 - 12

America First Federal Credit Union

Personal Loan

12.990%

AAEC Credit Union

Bill Consolidation Loan

8.990%

Circuit Federal Credit Union

Personal Loans

10.250% - 10.650%

$3,000 - $25,000

705 Federal Credit Union

Personal Loan

12.250% - 17.000%

$0 - $20,000

Achieve Financial Credit Union

Student Loan Consolidation

5.490%

A+ Federal Credit Union

A+ Preferred Line Of Credit

10.990%

Canyon View Credit Union

Personal Loans

13.490%

$0 - $5,000

48 - 48

360 Federal Credit Union

Signature LOC Revolving Credit Line

12.500%

$0 - $10,000

Academic Federal Credit Union

Signature Loan

7.000%

$500 - $15,000

Hughes Federal Credit Union

Line of Credit

13.450%

Avenir Financial Federal Credit Union

Open End Line-of-Credit

11.990%

Y-12 Federal Credit Union

Signature Loan

12.490%

1st Liberty Federal Credit Union

Signature Loans

11.240%

$0 - $10,000

60 - 60

Disclaimer

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 St Michaels Federal Credit Union rate data right now.

Credit Union Profile & Overview

Credit Union Name: St Michaels Federal Credit Union

Website:

Full Time Employees: 0
Part Time Employees: 1
President: Martin Schiffbauer
CEO: Kay Weeldreyer
Branch Locations: 1
ATM Locations: 0

Corporate Office Address:

678 School St
Craig, CO 81625
Phone Number: 970-824-2668
Fax Number:

Financials

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

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Frequently Asked Questions About St Michaels Federal Credit Union

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.

Is there a first-time homebuyer program?

Currently, St Michaels Federal Credit Union provides a range of mortgage and home equity products.

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 up to $250,000 per depositor.