St. Michael's Federal Credit Union

Home     |     Online Banking

Personal Loans Disclosures

Interest Rates and Interest Charges
Annual Percentage Rate (APR) Maximum of 18%
Payment Terms
examples based on $10,000 Outstanding Balance
see our lending rates page
Annual Fee none
Penalty Fees Late Payment: 3% of the late amount of principal & interest if over 15 days late
Returned Payment: $25.00


*Alimony, child support, or separate maintenance income need not be revealed if you don't wish to have it considered for repaying this obligation
*Member should retain a copy of this disclosure
*Terms accurate as of 11/3/14
*All rates are subject to change without notice. Please contact a member service representative at (508) 674-3861
*Non-compliance with contract provisions may cause delinquency which could lead to account termination and/or account closure

Pay Your Bills Online using Online Banking!

Effective Feb, 2, 2012 an update to Home Banking will take place. The Home Banking will now become Virtual Branch. What this means to you is updates of online transactions. As always please call with any questions to (508) 674-3861. Thank You!
Signup for BillPay today!
Learn More >

Email Us!
We love receiving your comments and suggestions about the Credit Union. Please use the form below to send us them anytime!
Send Email

jUsT for KiDs!
Here at St. Michael's Credit Union we love doing things that involve kids. And this section of our website is devoted to them. Go! >

St. Michael's Newsletter
Updated and archived, you can view the SMFCU newsletters for lots of valuable information. Go! >

Order Checks OnlineOrder Personal Checks Online