St. Mary’s Credit Union Northborough MA | Quick Personal Loans & ATM Services

Introduction

Welcome to St. Mary's Credit Union, where community comes first! Located at 100 W Main St, Northborough, MA 01532, we have proudly served our members since 1913. With a commitment to providing exceptional financial services, we currently support over 55,208 members and manage a robust total of $998,983,281 in assets. At St. Mary's Credit Union, we believe in empowering our members with the tools they need for financial success. Whether you're looking for a new auto loan among our 22,056 loans and leases, or seeking reliable savings options with total deposits reaching $18,245,836, we've got you covered. Our team is dedicated to ensuring that you receive personalized service tailored to your unique needs. Our leadership reflects the values we stand by. Led by CEO James Petkewich and Board President Gerard Richer, our team is committed to fostering a supportive environment that prioritizes your financial well-being. We are here to assist you every step of the way. While you can visit us at our branch for all your banking needs, please remember that any official correspondence should be sent to our mailing address: 100 W. Main St., PO Box 729, Northborough, MA 1532. We invite you to explore the many services we offer from checking and savings accounts to mortgage loans and business banking solutions. Feel free to reach out at (508) 490-8000 or visit our website at stmaryscu.org for more information. Join us in building a brighter financial future together!

Branch History & Mission

Commitment to Innovation and Community

In today's fast-paced world, we understand the importance of adapting to new technologies. That's why we focus on making banking accessible for everyone with features like ATM availability and drive-thru services. These innovations are designed not only for convenience but also for accessibility ensuring ADA compliance so everyone can benefit from our offerings. We take pride in partnering with local organizations to make a meaningful impact in Northborough. By participating in community events and supporting various charities, we reinforce our commitment to uplifting those around us. As you explore your financial options, consider joining St. Mary's Credit Union. Experience firsthand how we can support your financial journey while contributing positively to our shared community. Visit us today or call us at (508) 490-8000 we look forward to welcoming you!

Our Mission

At St. Mary's Credit Union, our mission is simple yet powerful: to provide exceptional financial services while fostering growth and stability within our community. We strive to empower our members through personal banking solutions that include checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our commitment goes beyond just transactions; we aim to build lasting relationships by supporting local initiatives and engaging in community outreach. While members can visit us at 100 W Main St Northborough Ma 01532, official correspondence should be sent to 100 W. Main St., Northborough, MA 1532. We also offer convenient services such as online banking and mobile applications to ensure that managing your finances is as easy as possible.

Branch Location & Accessibility

Accessibility Features

At St. Mary's Credit Union, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, featuring ramps and wide doors to accommodate everyone comfortably. Your experience matters to us, and we strive to make banking as convenient as possible.

Conveniently Located

Our branch is just a short drive from popular local spots, making it a breeze to visit us during your day. If you're nearby the Northborough Town Common or heading back from a trip to the Northborough Library, swing by and see us! We have ample parking available, ensuring that you can park with ease when you come in.

Get in Touch

Ready to take the next step? Our dedicated team is eager to assist you with any questions or services you may need. Give us a call at 508-490-8000 or stop by today! We look forward to welcoming you into the St. Mary's family!

Operating Hours

We understand that life gets busy, so we offer flexible operating hours that cater to your schedule. Our lobby is open Monday through Wednesday from 8:00 AM to 4:00 PM, extending our hours on Thursday and Friday until 6:00 PM. Plus, we're open Saturday mornings until 12:30 PM for those who need to stop by over the weekend.

Services Offered

At our St. Mary's branch, we provide a full range of personal banking services including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Need quick cash? Our ATM is available on-site for easy withdrawals and balance checks. For added convenience, we also offer drive-thru banking for simple transactions without leaving your car. While members can visit us at 100 W Main St, please send any official correspondence to our mailing address at 100 W. Main St., Northborough, MA 1532 if different.

Member Eligibility

Becoming a member of St. Mary's means joining a warm and welcoming community where your financial needs are prioritized. To qualify, you just need to meet a few simple criteria that reflect our commitment to serving individuals in our area. If you live, work, or attend school in the communities we serve, you're likely eligible! Additionally, family members of existing members can also join, making it easy to extend the benefits of membership to those you care about. At St. Mary's, we provide a range of services designed to support your financial journey, from checking and savings accounts to loans and credit cards. For more details on eligibility requirements, feel free to check out this link: Eligibility Details. Opening an account with us is straightforward and user-friendly. If you're ready to take the next step or have any questions, don't hesitate to reach out at (508) 490-8000. We're excited to help you on your financial journey and welcome you into our St. Mary's family at 100 W Main St Northborough Ma 01532!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $361 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $61,547,553, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running your business with the confidence that comes from having reliable payment solutions. Our merchant services allow you to accept payments easily, whether online or in-person. This means more convenience for you and your customers, making transactions smoother than ever. Located at 100 W Main St Northborough Ma 01532 in Northborough, MA, we invite you to reach out at (508) 490-8000 or visit us today to learn how our business banking and commercial services can fuel your growth!

Comprehensive List Of Services

Accessing Cash Made Simple

Need cash? Our ATM & Cash Withdrawal Services give you easy access whenever needed. Plus, if you prefer face-to-face interactions for simple transactions like deposits and withdrawals, our basic Drive-Thru Banking makes it quick and hassle-free. At St. Mary's, we pride ourselves on being more than just a credit union; we are part of the community in Northborough. You can visit us at our branch located at 100 W Main St, Northborough MA 01532, or give us a call at 508-490-8000 for any questions regarding our services. Ready to take control of your financial future? Explore all that we have to offer and become a member today! Visit us online at St. Mary's Credit Union for more information.

Business Support

If you're a business owner, St. Mary's has got your back with our Business Banking services, including Merchant Services and Business Loans. We know how important it is for businesses to have reliable banking solutions, so we work hard to ensure you're supported as you grow.

Credit That Rewards You

Don't forget about our Credit Cards with Rewards! Enjoy shopping while earning points for travel, cash back, or other perks. It's an effortless way to get more from your everyday spending.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. With just a few clicks, you can check balances, pay bills, and transfer funds seamlessly from your smartphone or computer.

Financing Your Dreams

When it comes to financing, St. Mary's provides competitive Auto Loans & Vehicle Financing to help you get behind the wheel of your dream car without breaking the bank. We understand that purchasing a vehicle is a significant investment, which is why our loans come with flexible terms that suit your budget. If you're looking to buy a home, our Mortgage Loans & Refinancing options are tailored to assist you every step of the way. We know how daunting the mortgage process can be, so our friendly staff is here to guide you through it smoothly. For personal needs beyond auto and home financing, we also provide Personal Loans & Debt Consolidation services. These loans can help you manage unexpected expenses or consolidate existing debts into one manageable payment.

Personal Banking Made Easy

Starting with Personal Banking, we offer various Checking & Savings Accounts designed to fit different lifestyles. Whether you're saving for a big purchase or just need a reliable account for daily transactions, we have options that will work for you. Imagine having easy access to your funds whenever you need them and earning interest on your savings!

Digital & Online Banking

At St. Mary's, we understand that convenience and security are top priorities for our members. That's why we offer a range of digital and online banking services designed to make managing your finances easier than ever. You can access these services anytime, anywhere, allowing you to stay on top of your financial goals without the hassle of traditional banking hours. With our online banking platform, you can securely check your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Our online services are available 24/7, ensuring you have access whenever you need it. Plus, with person-to-person transfers, sending money to friends and family is as simple as a few clicks. For those who prefer mobile banking, our user-friendly mobile application is here to help. It brings all the functionalities of online banking right to your fingertips. Whether you're checking transactions or making payments, everything is streamlined for ease of use. And if you like keeping track of your statements digitally, you'll be pleased to know that we offer e-statements, providing a secure way to view and manage your financial records without cluttering your mailbox. While electronic signature authorization is not available at this time, rest assured that we prioritize your security in every transaction you make. We continuously enhance our systems to protect your information and ensure peace of mind while using our digital services. At St. Mary's, we believe that banking should fit into your lifestyle simple, accessible, and secure. Explore all the features we have to offer by visiting our website today!

Financial Strength

Commitment to Growth

With $112,314,617 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is impressive with $10,107 in used auto loans and an overall total of $759,482,948 in loans and leases, supporting members' financial goals across various sectors.

Member Trust

Total Share Accounts stand at 70,536, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending currently amount to $0, indicating that all funds are actively working for our members' benefit. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, St. Mary's is your trusted partner. Visit us at 100 W Main St Northborough MA 01532 or call 508-490-8000 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Savings

Members' savings are secured through $254,495,610 in share certificates and $82,800,503 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our net income of $1,353,367 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 113 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Strong Financial Health

With a net worth of $114,341,348, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.45% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Financing Options

For business owners, our outstanding commercial loans totaling $61,547,553 provide the capital needed to grow and expand your business. Additionally, if you're considering a line of credit for personal or business use, we have credit lines available totaling $381,635,864.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $148,152,390 in used vehicle loans and $112,566,551 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to make your car-buying experience as smooth as possible.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $86,074,515, make buying or refinancing simple. We offer tailored solutions that fit your situation, whether you are a first-time buyer or looking to refinance an existing mortgage.

Refinancing Opportunities

If you're exploring refinancing options for any of our loan products or want to see if you qualify for better rates or terms, our team is here to assist you. Check our eligibility criteria here. At St. Mary's located at 100 W Main St Northborough MA 01532, we prioritize your financial well-being. For more information about any of these products or to start your application today, please give us a call at 508-490-8000. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey with confidence!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although we currently have $0 in unsecured credit card loans available, we are committed to helping our members manage their finances effectively through various credit options.

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