Featured Savings Rates
Featured Accounts

Southern Mass Credit Union

Popular Accounts at this Credit Union

1.75%5-year CD60 Month CD
0.35%1-year CD10 Month CD
0.15%SavingsRegular Share

Overview / Commentary
123 Alden Rd
Fairhaven, MA 02719

Southern Mass Credit Union is headquartered in Fairhaven and is the 38th largest credit union in the state of Massachusetts. It is also the 998th largest credit union in the nation. It was established in 1922 and as of June of 2017, it had grown to 36 employees and 14,757 members at 5 locations. Southern Mass Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school in Barksdale, Dukes, Bristol, Plymouth or Nantucket Counties in Massachusetts; Newport or Bristol Counties in Rhode Island, Providence County cities of Central Falls, Cumberland, Cranston, Johnston, East Providence, Lincoln, North Smithfield, North Providence, Providence, Pawtucket, and Woonsocket in Rhode Island. Membership is also open to employees and retirees of AT&T.
See current membership details


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Health Grade Components

NCUA #67481
Year Chartered1922
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD4.8%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$211.8MM$204.2MM
LoansQ2 2017vs Q2 2016$119.8MM$115.3MM
DepositsQ2 2017vs Q2 2016$187.1MM$179.7MM
Equity CapitalQ2 2017vs Q2 2016$23.8MM$23.2MM
Loan Loss AllowanceQ2 2017vs Q2 2016$730.00K$784.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$312.00K$628.00K
Real Estate OwnedQ2 2017vs Q2 2016$28.00K$28.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Southern Mass Credit Union Savings Account Rates

0.50%*$100k*-Savings Supreme
OTHER TIERS: 0.25% $5k - $10k | 0.30% $10k - $25k | 0.35% $25k - $50k | 0.40% $50k - $75k | 0.45% $75k - $100k
0.15%--Regular Share
0.15%--Fat Cat Account
0.15%--Cool Cat Account
0.15%$25-Vacation Club
0.15%$25-Christmas Club

Southern Mass Credit Union Money Market Rates

0.35%*$75k*-Money Market
OTHER TIERS: 0.05% $25 - $1k | 0.10% $1k - $5k | 0.15% $5k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.30% $50k - $75k

Southern Mass Credit Union CD Rates

1.75%$1k-60 Month CD
1.50%$1k-48 Month CD
1.30%$1k-36 Month CD
1.00%$1k-24 Month CD
1.00%$1k-30 Month CD
0.80%$1k-18 Month CD
0.80%$1k-21 Month CD
0.75%$1k-13 Month CD
0.75%$1k-14 Month CD
0.75%$1k-15 Month CD
0.70%$1k-12 Month CD
0.70%$500-12 Month College Savings CD
0.35%$1k-9 Month CD
0.35%$1k-10 Month CD
0.30%$1k-6 Month CD
0.30%$1k-7 Month CD
0.30%$1k-8 Month CD
0.25%$1k-5 Month CD
0.20%$1k-3 Month CD

Southern Mass Credit Union IRA Rates

1.75%$500-60 Month IRA
1.50%$500-48 Month IRA
1.30%$500-36 Month IRA
1.00%$500-24 Month IRA
1.00%$500-30 Month IRA
0.80%$500-18 Month IRA
0.80%$500-21 Month IRA
0.75%$500-13 Month IRA
0.75%$500-14 Month IRA
0.75%$500-15 Month IRA
0.70%$500-12 Month IRA
0.35%$500-9 Month IRA
0.35%$500-10 Month IRA
0.30%$500-6 Month IRA
0.30%$500-7 Month IRA
0.30%$500-8 Month IRA
0.25%$500-5 Month IRA

Southern Mass Credit Union Locations
Branch Office12 Huttleston AveFairhaven, MA 02719
Branch Office2926 Acushnet AveNew Bedford, MA 02745
Branch Office123 Alden RdFairhaven, MA 02719
Branch Office1101 Stafford RdFall River, MA 02721
Branch Office41 Obery StPlymouth, MA 02360