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St Patricks Parish Credit Union

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St Patricks Parish Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, St Patricks Parish 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 Patricks Parish Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.60%, 6-month share certificate rates at 0.20% and 3-month share certificate rates at 2.52%. Savings rates are at 0.25% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 7.40%. All these rates can be compared to St Patricks Parish Credit Union rates. MonitorBankRates evaluates the financial stability of St Patricks Parish Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.15%. Rates were last updated on 04/25/2026.

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

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

16.15%

Good Higher than avg

St Patricks Parish Credit Union
Main

4552 VT Route 36
Fairfield, VT 05455

Current Rate Availability

We do not have St Patricks Parish 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 Patricks Parish 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 Patricks Parish 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 Patricks Parish Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name St Patricks Parish Credit Union

Website

Address 4552 VT Route 36, Fairfield, VT 05455

Phone 802-827-6684

Fax

President Frank Persons

CEO John Schreindorfer

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

4.9 / 5.0 ★

Overall Health & Safety Grade

A- (91/100)

Texas Ratio

16.15%

Return on Assets (ROA)

1.1949%

Return on Equity (ROE)

8.9722%

Non-Performing Loans Ratio (NPL)

3.03%

Total Assets

582,051

Total Amount of Shares and Deposits

504,389

Total Shares and Deposits < 1 Year

504,389

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

504,389

Number of Accounts for Regular Shares

313

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

6,955

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

117,943

Total Liabilities

504,534

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About St Patricks Parish Credit Union

Is St Patricks Parish Credit Union a safe place to deposit money?

Yes, St Patricks Parish Credit Union is considered a safe financial institution. With a Texas Ratio of 16.1545713734%, the institution's financial health is rated as excellent. 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 Patricks Parish Credit Union operate?

St Patricks Parish 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 Patricks Parish Credit Union?

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

Does St Patricks Parish Credit Union offer online and mobile banking?

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