St. Michaels Fall River Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to St. Michael's (Fall River) Federal Credit Union, your trusted financial partner in the heart of Fall River, MA. Established in 1953, we take pride in serving our community with dedication and transparency. Located at 775 Davol St, Fall River, MA 02720, our branch is not just a place for transactions; it's a hub for building relationships and supporting local families and businesses. With a total membership of 3,104 and total assets exceeding $114 million, we are committed to providing you with personalized banking solutions tailored to your needs. Our offerings include everything from checking and savings accounts to auto loans and mortgage refinancing ensuring that we can assist you at every financial milestone. Our CEO, Arastou Mahjoory, alongside Board President Craig Cabral, leads our team of 12 dedicated employees who work tirelessly to support your financial goals. With a strong net worth of $10,242,543 and total deposits amounting to $5,869,321, we ensure your money is secure while also striving for growth on your behalf. While members can visit us at our main branch, official correspondence should be sent to the same address: 775 Davol St, Fall River, MA 02720-1005. As part of our mission to foster community growth, we have provided over 1,043 loans to help individuals achieve their dreams whether it's purchasing a vehicle or consolidating debt. We invite you to explore the many services we offer through our website at stmichaelsfcu.com. Feel free to reach out to us at 508-674-3861 for any inquiries or assistance. Our friendly staff is here Monday through Friday from 9:00 A.M. to 5:00 P.M., and Saturday from 9:00 A.M. to 12:00 P.M., ready to help you navigate your financial journey. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members!

Branch History & Mission

Commitment to Service

Our operating hours are designed with your convenience in mind: Monday through Thursday from 9:00 A.M. to 5:00 P.M., Friday from 9:00 A.M. to 6:00 P.M., and Saturday from 9:00 A.M. to 12:00 N. While we currently do not offer ATM or drive-thru services, we provide robust online banking options that allow you to manage your finances easily from anywhere. As part of our commitment to accessibility and inclusivity, we ensure all our services meet ADA compliance standards, making it easier for everyone to benefit from what we offer. In conclusion, we invite you to join us at St. Michael's Fall River Federal Credit Union. Experience firsthand how our member-focused approach can support your financial goals while contributing positively to our community. Together, let's build a brighter future! For inquiries or assistance, feel free to contact us at 508-674-3861 or visit us online at St. Michael's FCU.

Our Mission

At St. Michael's, our mission is clear: to enhance the lives of our members by offering personalized financial solutions while supporting the communities we serve. With a total membership of 3,104 and assets amounting to $114,652,200, we take pride in being a member-focused institution where your needs come first. We believe in more than just banking; we strive to uplift our community through various outreach programs and partnerships. Whether it's providing educational resources or engaging in local events, we are dedicated to making a positive impact in Fall River.

Branch Location & Accessibility

Welcome to St. Michaels Fall River, your friendly neighborhood credit union located at 775 Davol St, Fall River, MA 02720. Our branch is conveniently situated near the bustling intersection of Davol Street and Route 24, making it easy for you to stop by whether you're heading to work or running errands. With ample parking available right outside our doors, visiting us is a breeze. At St. Michaels Fall River, we prioritize accessibility for all our members. Our branch is ADA compliant and features ramps to ensure everyone can easily access our services. We're dedicated to providing a welcoming environment where you can feel comfortable discussing your financial needs. We understand that your time is valuable, which is why we offer flexible operating hours. You can visit us Monday through Thursday from 9:00 A.M. to 5:00 P.M., Friday from 9:00 A.M. to 6:00 P.M., and Saturday from 9:00 A.M. to 12:00 P.M. If you have any questions or need assistance, don't hesitate to call us at 508-674-3861. While you're here, take advantage of our wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Although we currently do not have ATM services or drive-thru banking available, our team is ready to help you with all your banking needs inside the branch. For any official correspondence, please send it to our mailing address at 775 Davol St, Fall River, MA 02720-1005. We invite you to come in and experience the exceptional service that St. Michaels Fall River has to offer! Whether you're looking to open an account or need guidance on loans, our friendly staff is here for you every step of the way.

Member Eligibility

Becoming a member of St. Michaels Fall River is like joining a warm and welcoming family that truly cares about your financial well-being. If you live, work, worship, or attend school in the Fall River area, you're already on the right path to membership! We believe in making banking accessible for everyone, which is why we welcome a diverse range of individuals. To learn more about the specific eligibility requirements, feel free to check out our detailed criteria at . Joining us is easy and rewarding! Once you confirm your eligibility, opening an account at St. Michaels Fall River takes just a few simple steps. You can start the process online by visiting https://stmichaelsfcu.com/loan-application/, or if you prefer speaking with someone directly, give us a call at (508) 674-3861. We're here to help you every step of the way as you take advantage of our member benefits and services designed just for you at our branch located at 775 Davol St Fall River Ma 02720.

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we provide merchant services that simplify your payment processes. Imagine running your café and being able to accept payments seamlessly through various platforms. Our services help you streamline transactions so you can focus on what really matters growing your business. With an outstanding commercial loan portfolio of $7,127,051, we continue to drive economic growth by financing new and expanding businesses in Fall River, MA. Visit us at 775 Davol St, Fall River, MA 02720 or call us at 508-674-3861 to learn how we can help turn your business dreams into reality!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $17 in commercial loans for our members, helping businesses scale and succeed. With each loan, we aim to empower local entrepreneurs by providing the financial support they need to thrive. - For those outside our membership, we also offer flexible financing solutions, ensuring that the broader business community has access to the capital it requires.

Comprehensive List Of Services

Borrowing Made Simple

In addition to mortgages, we provide Personal Loans and Debt Consolidation options that can help ease financial stress. If you're looking to consolidate debt or fund a project, our loans come with favorable terms that fit your lifestyle. Credit cards are another essential service we offer. With our Credit Cards with Rewards, you can earn points on everyday purchases, allowing you to enjoy benefits like cash back or travel rewards while managing expenses effectively.

Business Banking Services

For entrepreneurs and small business owners, our Business Banking services, including Merchant Services and Business Loans, are crafted to support your growth. Whether you need financing for equipment or assistance with payment processing, we're here to help your business thrive.

Digital Convenience at Your Fingertips

In today's fast-paced world, convenience matters. That's why at St. Michaels Fall River, we offer robust Online & Mobile Banking features. You can manage your accounts anytime, anywhere from checking balances to transferring funds easily through our secure online platform. Additionally, we provide ATM and Cash Withdrawal Services for quick access to your money when you need it most.

Get Started Today!

With so many services designed with you in mind, there has never been a better time to join us at St. Michaels Fall River. If you have questions or want more information about how we can help with your financial journey, don't hesitate to reach out! Call us at 508-674-3861 or visit us online at http://www.stmichaelsfcu.com. We're excited to support all your banking needs!

Personal Banking Solutions

We understand that managing your finances can be overwhelming. That's why we offer Checking and Savings Accounts designed for your convenience. Whether you're saving for a special occasion or just need an everyday account, we've got you covered. Our accounts come with competitive interest rates and no hidden fees, making it easier for you to reach your financial goals. If you're in the market for a vehicle, look no further than our Auto Loans and Vehicle Financing options. We offer flexible terms that fit any budget, ensuring you drive away with the car you want without breaking the bank. For those considering homeownership, our Mortgage Loans and Refinancing services help make your dream home a reality. Our experienced loan officers will guide you through every step of the mortgage process, whether you're buying your first home or refinancing an existing loan to save money.

Digital & Online Banking

In today's fast-paced world, convenience and security are more important than ever. At St. Michaels Fall River, we understand that your time is valuable. That's why we've made it easy for you to manage your finances from the comfort of your home or on the go through our digital banking services. Whether you're checking your account balance or making a payment, we have you covered with secure options. With our online banking platform available at http://www.stmichaelsfcu.com/, you can access your accounts 24/7. This means no more waiting in lines or rushing to make it to the bank before closing hours. You can view your statements, transfer funds, and pay bills whenever it suits you. Plus, we offer e-statements, so you can keep track of your finances without the clutter of paper statements. For those times when you need to send money quickly, our person-to-person transfer feature makes it simple to send and receive funds instantly. Whether you're splitting a bill with friends or paying back a family member, it's all just a few clicks away. While our mobile payments feature isn't currently available, we strive to enhance your banking experience in other ways. Our user-friendly online platform ensures that managing your money is not only easy but also secure. Although we don't offer electronic signature authorization at this time, we prioritize keeping your information safe while providing the best service possible. While we don't have a dedicated mobile app yet, our website is fully optimized for mobile devices, allowing you to perform all transactions seamlessly from your smartphone or tablet. At St. Michaels Fall River, we're committed to making banking accessible for everyone. With real-time account management and straightforward features designed for ease of use, you'll feel empowered to take control of your financial journey anytime and anywhere!

Financial Strength

Committed Team

We also take pride in having 11 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts: 5,625, showing a strong and growing member base that trusts us with their finances.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, St. Michaels Fall River is your trusted partner. Visit us at 775 Davol St Fall River Ma 02720 or call (508) 674-3861 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.

Reinventing Member Services

With $9,483,456 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $61 in used auto loans and $101,432,690 in total loans and leases.

Secure Savings Opportunities

Members' savings are secured through $47,945,634 in share certificates and $9,015,330 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $7,806,521, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $10,242,543, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $893 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

At St. Michaels Fall River, we understand that borrowing can be a significant step toward achieving your financial goals. Whether you're looking to purchase a new vehicle, secure your dream home, or manage everyday expenses, our diverse range of loan products is designed with you in mind. With over 1043 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans stand out as an excellent choice for those looking to hit the road with confidence. Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,093,139 in used vehicle loans and $841,126 in new vehicle loans already helping members get on the road. Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $29,698,084, make buying or refinancing simple. This means you can take advantage of favorable terms and lower payments that fit your budget. For business owners, our outstanding commercial loans totaling $7,127,051 provide the capital needed to grow and expand. We recognize the unique needs of businesses and are here to support your ventures with tailored financing solutions. We also offer flexible terms on unsecured credit card loans, with a total of $894,986 in loans helping members manage their finances effectively. These credit cards come with various benefits that can assist you in everyday purchases while providing peace of mind. If you're considering refinancing or exploring eligibility options for any of these loan products, our team is ready to guide you through the process. We're committed to making it as straightforward as possible for our members. Our branch is conveniently located at 775 Davol St, Fall River, MA 02720. For any questions or personalized assistance regarding our loan offerings, feel free to call us at 508-674-3861 during our operating hours: Monday through Thursday from 9:00 A.M. to 5:00 P.M., Friday from 9:00 A.M. to 6:00 P.M., and Saturday from 9:00 A.M. to 12:00 P.M. 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 find the right loan product that meets your needs!

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