St. Michaels Federal Credit Union is a member-owned, not-for-profit financial cooperative based in Fall River, Massachusetts, with a branch in Somerset. Originally affiliated with St. Michael's parish, it serves the local community with checking and savings accounts, certificates, IRAs, auto and personal loans, mortgages, debit/credit cards, and online banking.

For decades, St. Michaels Federal Credit Union has been a trusted neighbor in Fall River and Somerset, Massachusetts, growing from parish roots into a full-service, member-owned financial home. With friendly local service, competitive rates on savings, certificates, and IRAs, plus flexible auto, personal, and home equity loans, SMFCU treats every member like family rather than a number. Convenient online and mobile banking keep your money moving wherever life takes you. Members who bank locally with St. Michaels can also use Fluz to earn extra cashback and rewards on everyday spending, gift card purchases, and bill payments, stretching every dollar further while keeping their finances close to home.