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Mayo Employees Federal Credit Union

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Mayo Employees Federal Credit Union Rates & Review November 2026

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

Current rates for Mayo Employees Federal Credit Union include: 12-Month CD: 3.75%, 24-Month CD: 3.65%, 60-Month CD: 4.00%, Savings: 5.50%

Q: What CD terms does Mayo Employees Federal Credit Union offer?

Mayo Employees Federal Credit Union CD rates are 3.91% APY for a 12 month CD, 3.80% APY for a 2 year CD, 4.10% APY for a 3 year CD, 4.00% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Mayo Employees Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Mayo Employees Federal Credit Union's CD - 3 years rates are at 4.10%, CD - 4 years rates are at 4.00%, CD - 5 years rates are at 4.00%, CD - 1 year rates are at 3.91%, CD - 2 years rates are at 3.80%. Mayo Employees Federal Credit Union's savings rates are at 5.50%. Mayo Employees Federal Credit Union's checking rates are as high as 0.05%. Mayo Employees Federal Credit Union's Personal Loan Rates are as low as 7.99%. Mayo Employees Federal Credit Union's CD rates are 21% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Mayo Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.16%. Rates last updated and verified on 10/29/2026.

Mayo Employees 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 Mayo Employees Federal Credit Union? Share your experience about Mayo Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mayo Employees Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.16%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Mayo Employees Federal Credit Union
Cascade Lake Office

130 23rd Ave SW
Rochester, MN 55902

https://mayocreditunion.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.

Mayo Employees Federal Credit Union CD Rates

Product	Rate	APY	Term
Certificate - 3 years	4.04%	4.10%	3 years
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80% Oct 26, 20264.10%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 3 years	3.99%	4.05%	3 years
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80% Oct 26, 20264.05%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 3 years	3.99%	4.05%	3 years
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80% Oct 26, 20264.05%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 3 years	3.94%	4.00%	3 years
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 26, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 4 years	3.94%	4.00%	4 years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and over; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 26, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 5 years	3.94%	4.00%	5 years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and over; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 26, 20264.00%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 3 years	3.89%	3.95%	3 years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80% Oct 26, 20263.95%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 1 year	3.85%	3.91%	1 year
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.91% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 1 year	3.80%	3.85%	1 year
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80% Sep 18, 20263.85%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 1 year	3.80%	3.85%	1 year
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80% Sep 18, 20263.85%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 1 year	3.75%	3.80%	1 year
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 2 years	3.75%	3.80%	2 years
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 6 month	3.75%	3.80%	6 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 1 year	3.70%	3.75%	1 year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 2 years	3.70%	3.75%	2 years
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70% Sep 18, 20263.75%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 2 years	3.70%	3.75%	2 years
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70% Sep 18, 20263.75%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 6 month	3.70%	3.75%	6 months
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70% Sep 18, 20263.75%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 6 month	3.70%	3.75%	6 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70% Sep 18, 20263.75%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 2 years	3.65%	3.70%	2 years
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 6 month	3.65%	3.70%	6 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 2 years	3.60%	3.65%	2 years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.65% ▼ 0.05 pts · high 3.70% / low 3.65% Oct 5, 20263.65%▼ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 6 month	3.60%	3.65%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 3 month	0.60%	0.60%	3 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 3 month	0.55%	0.55%	3 months
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.60% → 0.55% ▼ 0.05 pts · high 0.60% / low 0.55% Sep 18, 20260.55%▼ from 0.60% Sep 14, 20260.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 3 month	0.55%	0.55%	3 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.60% → 0.55% ▼ 0.05 pts · high 0.60% / low 0.55% Sep 18, 20260.55%▼ from 0.60% Sep 14, 20260.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 3 month	0.50%	0.50%	3 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Certificate - 3 month	0.45%	0.45%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Available as Regular or IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%

Mayo Employees Federal Credit Union Savings Rates

Product	Rate	APY
Teen Savings	5.39%	5.50%
Min Deposit $100 Min Balance $100 Details Balance: $100.00 and over; Minimum opening balance $100; additional deposits up to $8,000; matures on teen's 18th birthday; early withdrawal forfeits dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Youth Savings	4.43%	4.50%
Min Deposit $100 Min Balance $100 Details Balance: $100.00 and over; Minimum opening balance $100; additional deposits up to $5,000; matures on child's 13th birthday; early withdrawal forfeits dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Premium Money Market Savings	3.36%	3.40%
Min Balance $1,000,000 Details Balance: $1,000,000 and over; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Premium Money Market Savings	3.02%	3.05%
Min Balance $750,000 Details Balance: $750,000 - $999,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Premium Money Market Savings	2.87%	2.90%
Min Balance $500,000 Details Balance: $500,000 - $749,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Premium Money Market Savings	2.62%	2.65%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Money Market Savings	2.28%	2.30%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Premium Money Market Savings	2.28%	2.30%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Money Market Savings	1.99%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Premium Money Market Savings	1.99%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Money Market Savings	1.84%	1.85%
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Premium Money Market Savings	1.84%	1.85%
Min Balance $20,000 Details Balance: $20,000 - $49,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Money Market Savings	1.44%	1.45%
Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Money Market Savings	1.14%	1.15%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Health Savings	0.50%	0.50%
Min Deposit $5 Details Rates effective 10-29-2026; Rate may change after account is opened. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
IRA & ESA Savings	0.50%	0.50%
Details Rates effective 10-29-2026; Dividend rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Savings	0.30%	0.30%
Min Balance $20,000 Details Balance: $20,000+; Rate may change after account is opened; $5 minimum balance to retain membership Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Savings	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $19,999.99; Rate may change after account is opened; $5 minimum balance to retain membership Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $2,499.99; Rate may change after account is opened; $5 minimum balance to retain membership Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%

Mayo Employees Federal Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market Savings	3.36%	3.40%
Min Balance $1,000,000 Details Balance: $1,000,000 and over; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Premium Money Market Savings	3.02%	3.05%
Min Balance $750,000 Details Balance: $750,000 - $999,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Premium Money Market Savings	2.87%	2.90%
Min Balance $500,000 Details Balance: $500,000 - $749,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Premium Money Market Savings	2.62%	2.65%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Money Market Savings	2.28%	2.30%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Premium Money Market Savings	2.28%	2.30%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Money Market Savings	1.99%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Premium Money Market Savings	1.99%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Money Market Savings	1.84%	1.85%
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Premium Money Market Savings	1.84%	1.85%
Min Balance $20,000 Details Balance: $20,000 - $49,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Money Market Savings	1.44%	1.45%
Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%
Money Market Savings	1.14%	1.15%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%

Mayo Employees Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.05%	0.05%
Min Deposit $25 Details Rates effective 10-29-2026; Dividends are compounded and credited monthly; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%

Mayo Employees Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan	-	-	5.79%
Details Rates effective as of 10-29-2026; Use home equity to fund solar equipment; Flexible loan amounts, $20,000 and higher; 5, 10 and 15-year terms available; Rate is dependent on credit history; Available in all states except Hawaii and Alaska Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.79% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%

Mayo Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Vehicle Loan	-	-	4.39%
Details As Low As; Rates as low as 4.39% APR* Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.39% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%

Mayo Employees Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Solar Loan	7.99%
Details As Low As; Rates effective as of 10-29-2026; Secured by solar equipment; Loan amounts up to $50,000; 5, 10 and 15 year fixed rate available; Rate is dependent on credit history; Available in all states except Hawaii and Alaska Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.16%

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.
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Financial Health History

Mayo Employees Federal Credit Union’s Texas Ratio stayed near 0.39% in Q3 2023 to 0.16% in Q2 2026, so its financial health has stayed very strong 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	$1.5B	0.16%	5.0	A+
March 31, 2026	$1.5B	0.13%	5.0	A+
December 31, 2025	$1.5B	0.27%	5.0	A+
September 30, 2025	$1.5B	0.10%	5.0	A+
June 30, 2025	$1.4B	0.09%	5.0	A+
March 31, 2025	$1.4B	0.06%	5.0	A+
December 31, 2024	$1.4B	0.24%	5.0	A+
September 30, 2024	$1.4B	0.25%	5.0	A+
June 30, 2024	$1.4B	0.25%	5.0	A+
March 31, 2024	$1.4B	0.34%	5.0	A+
December 31, 2023	$1.4B	0.18%	5.0	A+
September 30, 2023	$1.3B	0.39%	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 Mayo Employees 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 Mayo Employees 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 Mayo Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mayo Employees Federal Credit Union

Website https://mayocreditunion.org

Address 130 23rd Ave SW, Rochester, MN 55902

Phone 507-535-1460

Fax 507-293-8112

President Patrick Steward

CEO Mary Hansen

Full-Time Employees 127

Part-Time Employees 6

Branch Locations 9

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.16%

Return on Assets (ROA)

0.8982%

Return on Equity (ROE)

6.0289%

Non-Performing Loans Ratio (NPL)

0.05%

Total Assets

1,500,036,203

Total Amount of Shares and Deposits

1,279,968,050

Total Shares and Deposits < 1 Year

1,241,852,541

Total Shares and Deposits 1 3 Years

23,666,781

Total Shares and Deposits > 3 Years

14,448,728

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

78,847,418

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

78,847,418

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

1,201,120,632

Total Interest Expense (Sum of items 6 8)

9,757,278

Share Certificates

10,662

Number of Accounts for Share Drafts

42,938

IRA KEOGH Accounts

2,152

Number of Accounts for Regular Shares

81,344

All other shares

Money Market Shares

5,428

Net Income (unless the amount is already included in Undivided Earnings)

13,472,859

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)

79,029,049

Total Liabilities

1,295,312,119

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Mayo Employees 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Mayo Employees Federal Credit Union

Does Mayo Employees Federal Credit Union offer CDs?

Yes. Mayo Employees Federal Credit Union current CD rates include its CD - 3 years at 4.10% APY, its CD - 4 years at 4.00% APY and its CD - 5 years at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Mayo Employees Federal Credit Union NCUA insured?

Yes. Mayo Employees 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 Mayo Employees Federal Credit Union?

The highest Mayo Employees Federal Credit Union CD rate is its CD - 3 years at 4.10% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Mayo Employees Federal Credit Union offer?

Mayo Employees Federal Credit Union CD rates are 3.91% APY for a 12 month CD, 3.80% APY for a 2 year CD, 4.10% APY for a 3 year CD, 4.00% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Mayo Employees Federal Credit Union for its full lineup.

What is the highest savings rate at Mayo Employees Federal Credit Union?

The highest Mayo Employees Federal Credit Union savings rate is its Teen Savings at 5.50% APY, verified by MonitorBankRates as of October 29, 2026.

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

The highest Mayo Employees Federal Credit Union money market rate is its Premium Money Market Savings at 3.40% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Mayo Employees Federal Credit Union?

The highest Mayo Employees Federal Credit Union checking rate is its Checking at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Mayo Employees Federal Credit Union auto loan rate is its Vehicle Loan at 4.39% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Mayo Employees Federal Credit Union operate?

Mayo Employees 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 Mayo Employees Federal Credit Union?

Yes, to access services at Mayo Employees 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, Mayo Employees 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, Mayo Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Mayo Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Mayo Employees 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://mayocreditunion.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 Mayo Employees Federal Credit Union rates compare?

Mayo Employees Federal Credit Union's CD rates are 21% higher than the MonitorBankRates national average, and it has an A+ health rating. Mayo Employees Federal Credit Union's top rates are its CD - 3 years at 4.10% APY, its Teen Savings at 5.50% APY, its Checking at 0.05% APY and its Solar Loan at 7.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Mayo Employees Federal Credit Union Rates

12-Month CD3.75%
24-Month CD3.65%
60-Month CD4.00%
Savings5.50%

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

Compare to Other Credit Unions

Mayo Employees Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Mayo Employees Federal Credit Union Texas Ratio

Mayo Employees Federal Credit Union Health Trend

Mayo Employees Federal Credit Union CD Rates

Mayo Employees Federal Credit Union Savings Rates

Mayo Employees Federal Credit Union Money Market Rates

Mayo Employees Federal Credit Union Checking Rates

Mayo Employees Federal Credit Union Home Equity & HELOC

Mayo Employees Federal Credit Union Auto Loan Rates

Mayo Employees Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Mayo Employees Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Mayo Employees Federal Credit Union

Does Mayo Employees Federal Credit Union offer CDs?

Are CDs from Mayo Employees Federal Credit Union NCUA insured?

What is the highest CD rate at Mayo Employees Federal Credit Union?

What CD terms does Mayo Employees Federal Credit Union offer?

What is the highest savings rate at Mayo Employees Federal Credit Union?

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

What is the highest checking rate at Mayo Employees Federal Credit Union?

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

How many branches does Mayo Employees Federal Credit Union operate?

Is a member application needed to join Mayo Employees Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Mayo Employees 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 Mayo Employees Federal Credit Union rates compare?

Current Mayo Employees Federal Credit Union Rates

Compare to Other Credit Unions