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Keesler Federal Credit Union

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Keesler Federal Credit Union Rates & Review November 2026

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

Current rates for Keesler Federal Credit Union include: 12-Month CD: 3.00%, 18-Month CD: 3.25%, 24-Month CD: 0.85%, 60-Month CD: 1.35%, Savings: 0.65%, MMA: 3.25%

Q: What CD terms does Keesler Federal Credit Union offer?

Keesler Federal Credit Union CD rates are 3.00% APY for a 12 month CD, 3.25% APY for an 18 month CD, 0.85% APY for a 2 year CD and 1.35% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Keesler Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Keesler Federal Credit Union's 18 Month Jumbo Share & IRA CDs rates are at 3.25%, Share & IRA CD Accounts - 18 Month rates are at 3.25%, 1 Year Jumbo Share & IRA CDs rates are at 3.00%, Share & IRA CD Accounts - 1 Year rates are at 3.00%, 5 Year Jumbo Share & IRA CDs rates are at 1.45%. Keesler Federal Credit Union's savings rates are at 0.65%. Keesler Federal Credit Union's money market rates are at 3.25%. Keesler Federal Credit Union's checking rates are as high as 5.00%. Keesler Federal Credit Union's Personal Loan Rates are as low as 10.49%. Keesler Federal Credit Union's Credit Card Rates are at 9.49%. Keesler Federal Credit Union's CD rates are 45% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 5.02%. Rates last updated and verified on 10/28/2026.

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

5.02%

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

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Keesler Federal Credit Union CD Rates

Product	Rate	APY	Term
18 Month Jumbo Share & IRA Certificates	3.21%	3.25%	18 Month
Min Balance $100,000 Details IRS early withdrawal penalties may apply on IRA withdrawals Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Share & IRA Certificate Accounts - 18 Month	3.21%	3.25%	18 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
1 Year Jumbo Share & IRA Certificates	2.97%	3.00%	1 Year
Min Balance $100,000 Details IRS early withdrawal penalties may apply on IRA withdrawals Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Share & IRA Certificate Accounts - 1 Year	2.97%	3.00%	1 Year
Min Balance $100 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
5 Year Jumbo Share & IRA Certificates	1.44%	1.45%	5 Year
Min Balance $100,000 Details IRS early withdrawal penalties may apply on IRA withdrawals Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 1.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Share & IRA Certificate Accounts - 5 Year	1.34%	1.35%	5 Year
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
4 Year Jumbo Share & IRA Certificates	1.19%	1.20%	4 Year
Min Balance $100,000 Details IRS early withdrawal penalties may apply on IRA withdrawals Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 1.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Share & IRA Certificate Accounts - 4 Year	1.10%	1.10%	4 Year
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
2 Year Jumbo Share & IRA Certificates	0.95%	0.95%	2 Year
Min Balance $100,000 Details IRS early withdrawal penalties may apply on IRA withdrawals Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
3 Year Jumbo Share & IRA Certificates	0.90%	0.90%	3 Year
Min Balance $100,000 Details IRS early withdrawal penalties may apply on IRA withdrawals Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Share & IRA Certificate Accounts - 2 Year	0.85%	0.85%	2 Year
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Share & IRA Certificate Accounts - 3 Year	0.80%	0.80%	3 Year
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
6 Month Jumbo Share & IRA Certificates	0.45%	0.45%	6 Month
Min Balance $100,000 Details IRS early withdrawal penalties may apply on IRA withdrawals Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Share & IRA Certificate Accounts - 6 Month	0.35%	0.35%	6 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

Keesler Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.65%	0.65%
Min Deposit $0 Details IRS early withdrawal penalties on IRA withdrawals Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Christmas Savings	0.30%	0.30%
Min Deposit $1 Details Save all year for the holiday shopping season; paid quarterly Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Alternate Share Savings	0.15%	0.15%
Min Deposit $0 Details Published rate range: 0.15 to 0.20%. Balance tiers: Less than $5,000; More than $5,000; 0.15% to 0.20% or if balance is $5,000 or more, paid quarterly Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Primary Share Savings	0.15%	0.15%
Min Deposit $1 Details Published rate range: 0.15 to 0.20%. Balance tiers: Less than $5,000; More than $5,000; 0.15% to 0.20% or if balance is $5,000 or more, paid quarterly Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

Keesler Federal Credit Union Money Market Rates

Product	Rate	APY
HIMMA Premier	3.20%	3.25%
Min Deposit $0 Details First 6 months; 3.25% APY or 3.20% interest rate; new deposits only; maximum dividend over a 6 month period Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
High Interest Money Market Account (HIMMA)	0.40%	0.40%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 and above; $2,500 minimum to open account and to earn dividends Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
High Interest Money Market Account (HIMMA)	0.35%	0.35%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; $2,500 minimum to open account and to earn dividends Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
High Interest Money Market	0.30%	0.30%
Min Deposit $2,500 Min Balance $2,500 Details Published rate range: 0.30% to 0.40%. Rate based on account balance; dividends paid monthly; $2,500 minimum to open and earn dividends Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
High Interest Money Market Account (HIMMA)	0.30%	0.30%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; $2,500 minimum to open account and to earn dividends Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
High Interest Money Market Account (HIMMA)	0.30%	0.30%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; $2,500 minimum to open account and to earn dividends Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

Keesler Federal Credit Union Checking Rates

Product	Rate	APY
Checking Plus Qualified	4.89%	5.00%
Min Deposit $25 Details Qualifications Required; Balance: $0.00 - $25,000.00; $25 min deposit to open, no daily balance requirements Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Checking Saver Qualified	0.99%	1.00%
Details Qualifications Required: At least 1 direct deposit, ACH credit or ACH payment transaction; at least 12 debit card purchases; enrollment in eStatements; Balance: Up to $150,000.00; 1.00% APY on balances up to $150,000 when qualifications are met; Depending on account's daily balance Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Checking Pays	0.05%	0.05%
Min Deposit $25 Details $25 min deposit to open, no daily balance requirements Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Checking Saver Non-Qualified	0.05%	0.05%
Details 0.05% APY on all balances, even if qualifications are not met Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

Keesler Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details As Low As; Rates based on Prime Rate plus margin (0.00% to 2.00% based on credit history); Loan amount $10,000.00 to $150,000.00; Primary residence or 2nd home/vacation home in AL, Mississippi, Louisiana and FL; Variable rate Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

Keesler Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.39%	36 months
Details As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Used Auto (2-6 years old)	-	-	4.89%	36 months
Details As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Used Auto Loans	-	-	4.89%	Up to 36 months
Details As Low As; Models between 2-6 years old Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Auto Loans	-	-	5.14%	Up to 48 months
Details As Low As; Current and previous year's models Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Older Auto (7-9 years old)	-	-	5.39%	36 months
Details As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Auto Loans	-	-	5.64%	Up to 60 months
Details As Low As; Current and previous year's models Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Used Auto Loans	-	-	5.64%	Up to 48 months
Details As Low As; Models between 2-6 years old Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Auto Loans	-	-	6.14%	Up to 72 months
Details As Low As; Current and previous year's models Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Used Auto Loans	-	-	6.14%	Up to 60 months
Details As Low As; Models between 2-6 years old Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Auto Loans	-	-	6.64%	Up to 84 months
Details As Low As; Current and previous year's models Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Used Auto Loans	-	-	6.64%	Up to 72 months
Details As Low As; Models between 2-6 years old Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Classic Auto (25 years and older)	-	-	6.89%	36 months
Details As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Classic Auto Loans	-	-	6.89%	Up to 36 months
Details As Low As; Models 25 years or older Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Outdoor Vehicle Loan - Up to 36 mo.	-	-	6.99%	Up to 36 months
Details APR as Low As; Est. Monthly Payment per $1,000: $30.97; Includes four-wheel all terrain vehicles (ATV), side-by-side utility vehicles (UTV) and golf carts that are gas, electric and diesel models that can also be considered street legal Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Used Auto Loans	-	-	7.14%	Up to 84 months
Details As Low As; Models between 2-6 years old Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Outdoor Vehicle Loan - Up to 48 mo.	-	-	7.49%	Up to 48 months
Details APR as Low As; Est. Monthly Payment per $1,000: $24.26; Includes four-wheel all terrain vehicles (ATV), side-by-side utility vehicles (UTV) and golf carts that are gas, electric and diesel models that can also be considered street legal Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Classic Auto Loans	-	-	7.64%	Up to 48 months
Details As Low As; Models 25 years or older Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Outdoor Vehicle Loan - Up to 60 mo.	-	-	7.99%	Up to 60 months
Details APR as Low As; Est. Monthly Payment per $1,000: $20.35; Includes four-wheel all terrain vehicles (ATV), side-by-side utility vehicles (UTV) and golf carts that are gas, electric and diesel models that can also be considered street legal Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Classic Auto Loans	-	-	8.14%	Up to 60 months
Details As Low As; Models 25 years or older Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Classic Auto Loans	-	-	8.64%	Up to 72 months
Details As Low As; Models 25 years or older Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Classic Auto Loans	-	-	9.14%	Up to 84 months
Details As Low As; Models 25 years or older Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 9.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Older Auto (10-24 years old)	-	-	10.39%	36 months
Details As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 10.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

Keesler Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boats (all current year models) Loan	-	6.49%
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New RV and Camper Loans - Up to 60 mo.	-	6.49%	Up to 60 months
Details APR as Low As; Includes motorhomes, campervans, coaches, fifth-wheel trailers, popup campers and truck campers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New RVs, Campers, and Travel Trailers Loan	-	6.49%
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Watercraft Loans	-	6.49%	Up to 60 months
Details As Low As; Includes powerboats, sailboats, jet-skis, waverunners and other personal watercraft. Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Motorcycle Loans	-	6.69%	Up to 36 months
Details As Low As; Includes cruiser, sport, touring, off-road, motorized tricycle and dual-purpose motorcycles. Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Motorcycles Loan	-	6.69%
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New ATV/Golf Cart Loan	-	6.99%
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Motorcycle Loans	-	6.99%	Up to 48 months
Details As Low As; Includes cruiser, sport, touring, off-road, motorized tricycle and dual-purpose motorcycles. Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New RV and Camper Loans - Up to 72 mo.	-	6.99%	Up to 72 months
Details APR as Low As; Includes motorhomes, campervans, coaches, fifth-wheel trailers, popup campers and truck campers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Watercraft Loans	-	6.99%	Up to 72 months
Details As Low As; Includes powerboats, sailboats, jet-skis, waverunners and other personal watercraft. Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Used Boats (previous year models and older) Loan	-	6.99%
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Used RVs, Campers, and Travel Trailers Loan	-	6.99%
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Used Motorcycles Loan	-	7.19%
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Motorcycle Loans	-	7.49%	Up to 60 months
Details As Low As; Includes cruiser, sport, touring, off-road, motorized tricycle and dual-purpose motorcycles. Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New RV and Camper Loans - Up to 84 mo.	-	7.49%	Up to 84 months
Details APR as Low As; Includes motorhomes, campervans, coaches, fifth-wheel trailers, popup campers and truck campers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Watercraft Loans	-	7.49%	Up to 84 months
Details As Low As; Includes powerboats, sailboats, jet-skis, waverunners and other personal watercraft. Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Older ATV/Golf Cart Loan	-	7.49%
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Motorcycle Loans	-	7.99%	Up to 72 months
Details As Low As; Includes cruiser, sport, touring, off-road, motorized tricycle and dual-purpose motorcycles. Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Watercraft Loans	-	8.49%	Up to 144 months
Details As Low As; Includes powerboats, sailboats, jet-skis, waverunners and other personal watercraft. Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New RV and Camper Loans - Up to 180 mo.	-	8.99%	Up to 180 months
Details APR as Low As; Includes motorhomes, campervans, coaches, fifth-wheel trailers, popup campers and truck campers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Older Motorcycles Loan	-	10.19%
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

Keesler Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Classic	-	9.49%
Details As Low As; Personal Credit Card; Credit Limit: $1,000 to $100,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Business VISA	-	11.00%
Details As Low As; Credit Limit: $1,000 to $100,000; Rate current as of 10/01/26 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 11.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
VISA Platinum	-	11.90%
Details As Low As; Personal Credit Card; Credit Limit: $1,000 to $100,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 11.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
VISA Signature	-	13.90%
Details As Low As; Personal Credit Card; Credit Limit: $5,000 to $100,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 13.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

Keesler Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	10.49%
Details As Low As; Est. monthly payment approximately49% APR for 36 months Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
VISA Signature	13.90%
Details As Low As; Personal Credit Card; Credit Limit: $5,000 to $100,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 13.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

Keesler Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Miscellaneous Collateral Loan	-	-	8.99%
Details As Low As; Est. monthly payment approximately99% APR for 36 months Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Tractor Loans	-	-	6.99%	Up to 36 months
Details As Low As; Includes tractors, farm equipment, implements and riding lawn mowers Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Tractor Loans	-	-	7.49%	Up to 48 months
Details As Low As; Includes tractors, farm equipment, implements and riding lawn mowers Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Tractor Loans	-	-	7.99%	Up to 60 months
Details As Low As; Includes tractors, farm equipment, implements and riding lawn mowers Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Used Tractor Loan	-	-	7.49%
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

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 stayed near 4.71% in Q3 2023 to 5.02% in Q2 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
June 30, 2026	$5.3B	5.02%	5.0	A+
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+

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 917

Part-Time Employees 27

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

5.02%

Return on Assets (ROA)

0.4223%

Return on Equity (ROE)

3.2972%

Non-Performing Loans Ratio (NPL)

1.04%

Total Assets

5,301,566,799

Total Amount of Shares and Deposits

4,057,437,893

Total Shares and Deposits < 1 Year

3,840,428,264

Total Shares and Deposits 1 3 Years

201,547,971

Total Shares and Deposits > 3 Years

15,461,657

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

284,261,509

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

284,261,509

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

3,773,176,384

Total Interest Expense (Sum of items 6 8)

38,407,326

Share Certificates

30,750

Number of Accounts for Share Drafts

200,739

IRA KEOGH Accounts

10,680

Number of Accounts for Regular Shares

502,324

Non Member Deposits

Money Market Shares

14,053

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)

637,529,857

Total Liabilities

4,667,255,722

Source: NCUA — Last Updated 06/30/2026

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.

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       width="160" height="160">
</a>

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

Does Keesler Federal Credit Union offer CDs?

Yes. Keesler Federal Credit Union current CD rates include its 18 Month Jumbo Share & IRA CDs at 3.25% APY, its Share & IRA CD Accounts - 18 Month at 3.25% APY and its 1 Year Jumbo Share & IRA CDs at 3.00% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Keesler Federal Credit Union NCUA insured?

Yes. Keesler Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Keesler Federal Credit Union?

The highest Keesler Federal Credit Union CD rate is its 18 Month Jumbo Share & IRA CDs at 3.25% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Keesler Federal Credit Union offer?

Keesler Federal Credit Union CD rates are 3.00% APY for a 12 month CD, 3.25% APY for an 18 month CD, 0.85% APY for a 2 year CD and 1.35% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Keesler Federal Credit Union for its full lineup.

What is the highest savings rate at Keesler Federal Credit Union?

The highest Keesler Federal Credit Union savings rate is its IRA Savings at 0.65% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Keesler Federal Credit Union?

The highest Keesler Federal Credit Union money market rate is its High Interest Money Market Account (HIMMA) at 0.40% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Keesler Federal Credit Union?

The highest Keesler Federal Credit Union checking rate is its Checking Plus Qualified at 5.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Keesler Federal Credit Union?

The lowest Keesler Federal Credit Union auto loan rate is its New Auto at 4.39% APR, verified by MonitorBankRates as of October 28, 2026. Keesler Federal Credit Union auto loan rates are 4.89% APR for a 72 month auto loan, 5.39% APR for a 108 month auto loan, 10.39% APR for a 288 month auto loan and 6.89% APR for a 300 month auto loan.

What is the lowest personal loan rate at Keesler Federal Credit Union?

The lowest Keesler Federal Credit Union personal loan rate is its Signature Loans at 10.49% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Keesler Federal Credit Union?

The lowest Keesler Federal Credit Union credit card APR is its VISA Classic Credit Card at 9.49% APR, verified by MonitorBankRates as of October 28, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Keesler Federal Credit Union rates compare?

Keesler Federal Credit Union's CD rates are 45% lower than the MonitorBankRates national average, and it has an A+ health rating. Keesler Federal Credit Union's top rates are its 18 Month Jumbo Share & IRA CDs at 3.25% APY, its IRA Savings at 0.65% APY, its HIMMA Premier at 3.25% APY, its Checking Plus Qualified at 5.00% APY, its Signature Loans at 10.49% APR and its VISA Classic Credit Card at 9.49% APR, verified by MonitorBankRates on October 28, 2026.

Current Keesler Federal Credit Union Rates

12-Month CD3.00%
18-Month CD3.25%
24-Month CD0.85%
60-Month CD1.35%
Savings0.65%
MMA3.25%

Retrieved from our database of financial products. Rates subject to change.

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Keesler Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Keesler Federal Credit Union Texas Ratio

Keesler Federal Credit Union Health Trend

Keesler Federal Credit Union CD Rates

Keesler Federal Credit Union Savings Rates

Keesler Federal Credit Union Money Market Rates

Keesler Federal Credit Union Checking Rates

Keesler Federal Credit Union Home Equity & HELOC

Keesler Federal Credit Union Auto Loan Rates

Keesler Federal Credit Union RV, Boat and Powersport Loan Rates

Keesler Federal Credit Union Credit Card Rates

Keesler Federal Credit Union Personal Loan Rates

Keesler Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Keesler Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Keesler Federal Credit Union

Does Keesler Federal Credit Union offer CDs?

Are CDs from Keesler Federal Credit Union NCUA insured?

What is the highest CD rate at Keesler Federal Credit Union?

What CD terms does Keesler Federal Credit Union offer?

What is the highest savings rate at Keesler Federal Credit Union?

What is the highest money market rate at Keesler Federal Credit Union?

What is the highest checking rate at Keesler Federal Credit Union?

What is the lowest auto loan rate at Keesler Federal Credit Union?

What is the lowest personal loan rate at Keesler Federal Credit Union?

What is the lowest credit card APR at Keesler Federal Credit Union?

How many branches does Keesler Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Keesler Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Keesler Federal Credit Union rates compare?

Current Keesler Federal Credit Union Rates

Compare to Other Credit Unions