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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 MAC Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
MAC Federal Credit Union's IRA / ROTH IRA CDs 24 month rates are at 4.29%, 18 month CDs rates are at 4.19%, 12 month CDs rates are at 4.15%, IRA / ROTH IRA CDs 12 month rates are at 3.99%, 6 month CDs rates are at 3.67%. MAC Federal Credit Union's savings rates are at 0.00%. MAC Federal Credit Union's money market rates are at 0.50%. MAC Federal Credit Union's Personal Loan Rates are at 11.99%. MonitorBankRates evaluates the financial stability of MAC Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.47%. Rates were last updated on 04/11/2026. MAC 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 MAC Federal Credit Union? Share your experience about MAC Federal Credit Union by leaving a review below, or read customer reviews before you decide to use MAC Federal Credit Union. 
MAC Federal Credit Union CD Rates
MAC Federal Credit Union Savings Rates
MAC Federal Credit Union Money Market Rates
MAC Federal Credit Union Checking Rates
MAC Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for MAC 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 MAC 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 MAC Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
MAC Federal Credit Union
Website
https://www.macfcu.org
Address
1317 Wembley Ave,
Fairbanks, AK 99701
Phone
907-474-1291
Fax
907-456-2815
President
Jeremy Fillipi
CEO
Mark Burgess
Full-Time Employees
63
Part-Time Employees
5
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.47%
Return on Assets (ROA)
-0.4265%
Return on Equity (ROE)
-3.7683%
Non-Performing Loans Ratio (NPL)
1.27%
Total Assets
174,984,984
Total Amount of Shares and Deposits
150,111,923
Total Shares and Deposits < 1 Year
141,659,269
Total Shares and Deposits 1 3 Years
8,443,467
Total Shares and Deposits > 3 Years
9,186
Total Insured Shares and Deposits > $250K (item 17 less item K)
150,111,923
Total Interest Expense (Sum of items 6 8)
2,439,384
Share Certificates
626
Number of Accounts for Share Drafts
11,254
IRA KEOGH Accounts
257
Number of Accounts for Regular Shares
22,372
Non Member Deposits
21
Money Market Shares
352
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
788,022
Total Liabilities
155,546,939
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About MAC Federal Credit UnionIs MAC Federal Credit Union a safe place to deposit money?Yes, MAC Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 9.4728556160361%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does MAC Federal Credit Union operate?MAC 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 MAC Federal Credit Union?Yes, to access services at MAC 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, MAC 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, MAC Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does MAC Federal Credit Union offer online and mobile banking?Most modern institutions like MAC 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.macfcu.org. Current MAC Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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