Santo Christo

149 COLUMBIA STREET, Fall River, MA 02721

NCUA Insured4.6 (9 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Fall River, MA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1954

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

149 COLUMBIA STREET

Fall River, MA 02721

Google Maps 🗺Waze

(508) 673-9210

Service Area

This credit union is located in Fall River and serves members in the MA area. Currently serving 1,979 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.34%

Used Auto Loan

6.29%

Personal Loan

8.31%

Credit Card APR

11.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MA

Lowest rates currently reported by credit unions in MA (NCUA Q4 2025).

Worcester— New Auto Loan

Worcester, MA

1.95%

Beverly Municipal— Used Auto Loan

Beverly, MA

1.99%

Norfolk Community— Personal Loan

Norfolk, MA

3.48%

Methuen— Credit Card APR

Methuen, MA

8.50%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.6

9 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Bob Martin

7 months ago

⭐️⭐️⭐️⭐️⭐️ I’d like to give a big shout-out to Margaret and her great team at Santa Cristo Federal Credit Union. Every time I walk in, I’m greeted with a smile, and everyone is always eager to help. They make me feel welcome and appreciated every single visit. On a few occasions when I had issues with my debit or credit card, the team took excellent care of me and resolved everything quickly. I also have several loans with Santa Cristo, and their rates on auto loans and personal loans are some of the best around. I couldn’t be happier with the service. I’ve been banking here for 10 years, and I truly value the way they make me feel special and important. Thank you to Margaret and the entire staff for providing such outstanding service—I really appreciate all that you do!

Kristine Sousa

a year ago

Recently needed a loan for consolidation. Patricia was very helpful and made this process very easy for us. We also had questions on pre approval for mortgages and Margaret was amazing, answered all our questions honestly . They made the whole process so easy. Would recommend them for any of your banking needs.