What are the current interest rates at Keesler Federal Credit Union?

Current rates for Keesler Federal Credit Union include: Savings: 0.15%, MMA: 0.30%

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Keesler Federal Credit Union

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Keesler Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Keesler Federal Credit Union?

Yes, to access services at Keesler Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Keesler Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Keesler Federal Credit Union's savings rates are at 0.15%. Keesler Federal Credit Union's money market rates are at 0.30%. MonitorBankRates evaluates the financial stability of Keesler Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.35%. Rates last updated and verified on 09/18/2026.

Keesler Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Keesler Federal Credit Union? Share your experience about Keesler Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Keesler Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.35%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Keesler Federal Credit Union
Pass Road Headquarters

2602 Pass Rd
Biloxi, MS 39531-2728

https://www.kfcu.org

Keesler Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.65%	0.65%
Min Balance $0 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
Christmas Savings	0.30%	0.30%
Min Balance $1 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
Christmas Savings	0.30%	0.30%
Min Deposit $1 Details Dividends paid quarterly. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
Alternate Share Savings	0.15%	0.20%
Min Deposit $0 Details Paid quarterly Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
Primary Share Savings	0.15%	0.20%
Min Deposit $1 Details Paid quarterly Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
Alternate Share Savings	0.15%	0.15%
Min Balance $0 Details Balance: $0 - Less than $5,000; More than $5,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
Primary Share Savings	0.15%	0.15%
Min Balance $1 Details Balance: $1 - Less than $5,000; More than $5,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
Primary Share Savings	0.15%	0.15%
Min Deposit $1 Details Dividends paid quarterly. If balance is $5000 or more, paid quarterly. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%

Keesler Federal Credit Union Money Market Rates

Product	Rate	APY
HIMMA Premier High Interest Money Market Account	3.20%	3.25%
Min Deposit $0 Details For the first 6 months. New Deposits Only Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
High Interest Money Market Account (HIMMA)	0.30%	0.40%
Min Deposit $2,500 Details Based on account balance. Paid monthly Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
High Interest Money Market	0.30%	0.30%
Min Deposit $2,500 Details Based on account balance. Paid monthly. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%

Keesler Federal Credit Union Checking Rates

Product	Rate	APY
Checking Saver	-	1.00%
Min Deposit $0 Details Qualifications Required: Meeting checking account qualification requirements; 0.05% APY on all balances, even if qualifications are not met Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
Checking Pays	0.05%	0.05%
Min Deposit $25 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
Checking Saver Non-Qualified	0.05%	0.05%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%

Keesler Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Christmas Share Savings	0.30%	-	0.30%
Min Deposit $1 Details Paid quarterly Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Keesler Federal Credit Union’s Texas Ratio rose from 4.19% in Q2 2023 to 5.35% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$5.2B	5.35%	5.0	A+
December 31, 2025	$5.2B	4.67%	5.0	A+
September 30, 2025	$5.1B	3.87%	5.0	A+
June 30, 2025	$4.4B	3.66%	5.0	A+
March 31, 2025	$4.3B	3.55%	5.0	A+
December 31, 2024	$4.2B	4.19%	5.0	A+
September 30, 2024	$4.1B	3.98%	5.0	A+
June 30, 2024	$4.1B	4.25%	5.0	A+
March 31, 2024	$4.1B	4.54%	5.0	A+
December 31, 2023	$4.1B	5.12%	5.0	A+
September 30, 2023	$4.1B	4.71%	5.0	A+
June 30, 2023	$4.1B	4.19%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Keesler Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Keesler Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Keesler Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Keesler Federal Credit Union

Website https://www.kfcu.org

Address 2602 Pass Rd, Biloxi, MS 39531-2728

Phone 228-385-5500

Fax 228-385-5535

President James Hollingsworth

CEO Andrew Swoger

Full-Time Employees 930

Part-Time Employees 18

Branch Locations 55

ATM Locations 54

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.35%

Return on Assets (ROA)

0.1722%

Return on Equity (ROE)

1.3562%

Non-Performing Loans Ratio (NPL)

1.10%

Total Assets

5,241,367,685

Total Amount of Shares and Deposits

4,030,061,002

Total Shares and Deposits < 1 Year

3,748,564,373

Total Shares and Deposits 1 3 Years

263,990,299

Total Shares and Deposits > 3 Years

17,506,331

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

287,943,918

Total Uninsured Shares and Deposits > $250K (F+J)

287,943,918

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,742,117,084

Total Interest Expense (Sum of items 6 8)

18,758,207

Share Certificates

28,108

Number of Accounts for Share Drafts

198,197

IRA KEOGH Accounts

10,719

Number of Accounts for Regular Shares

495,938

Non Member Deposits

Money Market Shares

14,550

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

722,776,047

Total Liabilities

4,619,047,017

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Keesler Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Keesler Federal Credit Union

How many branches does Keesler Federal Credit Union operate?

Keesler Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Keesler Federal Credit Union?

Yes, to access services at Keesler Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Keesler Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Keesler Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Keesler Federal Credit Union offer online and mobile banking?

Most modern institutions like Keesler Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kfcu.org.