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

Current rates for MC Federal Credit Union include: 12-Month CD: 3.70%, 18-Month CD: 3.00%, 24-Month CD: 2.75%, 60-Month CD: 2.00%, Savings: 0.10%, MMA: 0.65%

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MC Federal Credit Union

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MC Federal Credit Union Rates & Review July 2026

Q: How many branches does MC Federal Credit Union operate?

MC 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.

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

Yes, to access services at MC 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, MC 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: July 10, 2026

MC Federal Credit Union's HSA CD 12 month rates are at 3.90%, HSA CD 15 month rates are at 3.90%, HSA CD 12 month rates are at 3.80%, HSA CD 12 month Special Relationships rates are at 3.80%, HSA CD 15 month rates are at 3.80%. MC Federal Credit Union's savings rates are at 0.10%. MC Federal Credit Union's money market rates are at 0.65%. MC Federal Credit Union's Personal Loan Rates are at 3.50%. MonitorBankRates evaluates the financial stability of MC Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.74%. Rates were last updated on 07/10/2026.

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

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.74%

Excellent Higher than avg

MC Federal Credit Union
Danville

390 Walnut St
Danville, PA 17821 1503

https://www.mcfcu.org

MC Federal Credit Union CD Rates

Product	Rate	APY	Term
HSA Certificate 12 month	3.85%	3.90%	12 Months
Min Balance $50,000 Details Special Relationship Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 15 month	3.85%	3.90%	15 Months
Min Balance $50,000 Details Special Relationship Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 12 month	3.75%	3.80%	12 Months
Min Balance $50,000 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 12 month Special Relationships	3.75%	3.80%	12 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 15 month	3.75%	3.80%	15 Months
Min Balance $50,000 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 15 month Special Relationships	3.75%	3.80%	15 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 12 month	3.65%	3.70%	12 Months
Min Balance $500 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 12 month General Membership	3.65%	3.70%	12 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 15 month	3.65%	3.70%	15 Months
Min Balance $500 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 15 month General Membership	3.65%	3.70%	15 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRA Certificates 12 month	3.65%	3.70%	12 Months
Min Balance $500 Details Special Relationship APY: 3.80%, Special Relationship Dividend Rate: 3.75% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRA Certificates 15 month	3.65%	3.70%	15 Months
Min Balance $500 Details Special Relationship APY: 3.80%, Special Relationship Dividend Rate: 3.75% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Regular Share Certificates 12 month	3.65%	3.70%	12 Months
Min Balance $500 Details General Membership; Special Relationship APY: 3.80%, Dividend Rate: 3.75% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Regular Share Certificates 15 month	3.65%	3.70%	15 Months
Min Balance $500 Details General Membership; Special Relationship APY: 3.80%, Dividend Rate: 3.75% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 6 month	3.56%	3.60%	6 Months
Min Balance $50,000 Details Special Relationship Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 6 month	3.46%	3.50%	6 Months
Min Balance $50,000 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 6 month Special Relationships	3.46%	3.50%	6 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 6 month	3.36%	3.40%	6 Months
Min Balance $500 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 6 month General Membership	3.36%	3.40%	6 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRA Certificates 6 month	3.36%	3.40%	6 Months
Min Balance $500 Details Special Relationship APY: 3.50%, Special Relationship Dividend Rate: 3.46% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Regular Share Certificates 6 month	3.36%	3.40%	6 Months
Min Balance $500 Details General Membership; Special Relationship APY: 3.50%, Dividend Rate: 3.46% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 18 month	3.17%	3.20%	18 Months
Min Balance $50,000 Details Special Relationship Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 18 month	3.07%	3.10%	18 Months
Min Balance $50,000 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 18 month Special Relationships	3.07%	3.10%	18 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 18 month	2.97%	3.00%	18 Months
Min Balance $500 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 18 month General Membership	2.97%	3.00%	18 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRA Certificates 18 month	2.97%	3.00%	18 Months
Min Balance $500 Details Special Relationship APY: 3.10%, Special Relationship Dividend Rate: 3.07% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Regular Share Certificates 18 month	2.97%	3.00%	18 months
Min Balance $500 Details General Membership; Special Relationship APY: 3.10%, Dividend Rate: 3.07% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 24 month	2.92%	2.95%	24 Months
Min Balance $50,000 Details Special Relationship Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 24 month	2.82%	2.85%	24 Months
Min Balance $50,000 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 24 month Special Relationships	2.82%	2.85%	24 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 24 month	2.72%	2.75%	24 Months
Min Balance $500 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 24 month General Membership	2.72%	2.75%	24 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRA Certificates 24 month	2.72%	2.75%	24 Months
Min Balance $500 Details Special Relationship APY: 2.85%, Special Relationship Dividend Rate: 2.82% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Regular Share Certificates 24 month	2.72%	2.75%	24 Months
Min Balance $500 Details General Membership; Special Relationship APY: 2.85%, Dividend Rate: 2.82% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 36 month	2.68%	2.70%	36 Months
Min Balance $50,000 Details Special Relationship Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 36 month	2.58%	2.60%	36 Months
Min Balance $50,000 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 36 month Special Relationships	2.58%	2.60%	36 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 36 month	2.48%	2.50%	36 Months
Min Balance $500 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 36 month General Membership	2.48%	2.50%	36 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRA Certificates 36 month	2.48%	2.50%	36 Months
Min Balance $500 Details Special Relationship APY: 2.60%, Special Relationship Dividend Rate: 2.58% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Regular Share Certificates 36 month	2.48%	2.50%	36 Months
Min Balance $500 Details General Membership; Special Relationship APY: 2.60%, Dividend Rate: 2.58% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 48 month	2.43%	2.45%	48 Months
Min Balance $50,000 Details Special Relationship Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 48 month	2.33%	2.35%	48 Months
Min Balance $50,000 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 48 month Special Relationships	2.33%	2.35%	48 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 48 month	2.23%	2.25%	48 Months
Min Balance $500 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 48 month General Membership	2.23%	2.25%	48 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRA Certificates 48 month	2.23%	2.25%	48 Months
Min Balance $500 Details Special Relationship APY: 2.35%, Special Relationship Dividend Rate: 2.33% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Regular Share Certificates 48 month	2.23%	2.25%	48 Months
Min Balance $500 Details General Membership; Special Relationship APY: 2.35%, Dividend Rate: 2.33% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 60 month	2.19%	2.20%	60 Months
Min Balance $50,000 Details Special Relationship Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 60 month	2.09%	2.10%	60 Months
Min Balance $50,000 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 60 month Special Relationships	2.09%	2.10%	60 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 60 month	1.99%	2.00%	60 Months
Min Balance $500 Details General Membership Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
HSA Certificate 60 month General Membership	1.99%	2.00%	60 Months
Min Balance $500 Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRA Certificates 60 month	1.99%	2.00%	60 Months
Min Balance $500 Details Special Relationship APY: 2.10%, Special Relationship Dividend Rate: 2.09% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Regular Share Certificates 60 month	1.99%	2.00%	60 Months
Min Balance $500 Details General Membership; Special Relationship APY: 2.10%, Dividend Rate: 2.09% Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%

MC Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	0.10%	0.10%
No additional details. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Share (Savings)	0.10%	0.10%
Min Balance $25 Details APY = Annual Percentage Yield. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. MC Federal Credit Union membership is required. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Club	0.01%	0.01%
No additional details. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%

MC Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	2.72%	2.75%
Min Balance $100,000 Details APY = Annual Percentage Yield. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Minimum balance required to earn the stated APY listed above. MC Federal Credit Union membership is required. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Money Market Accounts	2.23%	2.25%
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Minimum balance required to earn the stated APY listed above. MC Federal Credit Union membership is required. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Platinum Money Market	2.23%	2.25%
Min Balance $50,000 Details Dividends Posted Monthly. Minimum $50,000 balance required to earn the stated APY. Fees may reduce earnings. MC Federal Credit Union membership is required. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Money Market Accounts	1.98%	2.00%
Min Balance $20,000 Details APY = Annual Percentage Yield. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Minimum balance required to earn the stated APY listed above. MC Federal Credit Union membership is required. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Money Market Accounts	0.65%	0.65%
Min Balance $1,000 Details APY = Annual Percentage Yield. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Minimum balance required to earn the stated APY listed above. MC Federal Credit Union membership is required. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%

MC Federal Credit Union Checking Rates

Product	Rate	APY
Fresh Start Checking	0.01%	0.01%
Min Deposit $25 Details APY = Annual Percentage Yield. Rates current as of 08/22/2025. Fresh Start Checking has a $5 monthly service fee. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. MC Federal Credit Union membership is required. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Share Draft (Checking)	0.01%	0.01%
Details APY = Annual Percentage Yield. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. MC Federal Credit Union membership is required. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%

MC Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan-Principal Residence Fixed Term	-	-	4.75%	60 months
Details 80% Loan to Value; A minimum loan amount of $10,000.00 is required. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Home Equity Loan-Principal Residence Fixed Term	-	-	5.00%	84 months
Details 80% Loan to Value; A minimum loan amount of $10,000.00 is required. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Home Equity Loan-Principal Residence Fixed Term	-	-	5.50%	120 months
Details 80% Loan to Value; A minimum loan amount of $10,000.00 is required. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Home Equity Loan-Principal Residence Fixed Term	-	-	6.00%	180 months
Details 80% Loan to Value; A minimum loan amount of $10,000.00 is required. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Home Equity Loan-Principal Residence Fixed Term	-	-	6.75%	240 months
Details 80% Loan to Value; A minimum loan amount of $10,000.00 is required. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%

MC Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loan	-	-	3.50%
Details Refinance and Save; Gap Insurance & Warranties Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Auto Loan	-	-	4.60%
Details Refinance and Save; Gap Insurance & Warranties Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Auto Loan	-	-	11.49%
Details Refinance and Save; Gap Insurance & Warranties Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%

MC Federal Credit Union Credit Card Rates

Product	Rate	APR
Credit Card	-	3.50%
Details Cash Advances; Low Minimum Payments Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Credit Card	-	4.60%
Details Cash Advances; Low Minimum Payments Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Credit Card	-	11.49%
Details Cash Advances; Low Minimum Payments Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
MC Federal Cache Visa	-	11.49%
Details Regular APR: 11.99% APR to 18.00% APR; Rates current as of 1/24/2026. The rates are variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, conditions, and cardholder benefits are subject to change at any time without notice. Not all applicants will qualify. Please see your Guide to Benefits for complete program details. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
MC Federal Visa Platinum	-	11.49%
Details Regular APR: 11.99% APR to 18.00% APR; Rates current as of 1/24/2026. The rates are variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, conditions, and cardholder benefits are subject to change at any time without notice. Not all applicants will qualify. Please see your Guide to Benefits for complete program details. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
MC Federal Premium Rewards Visa	-	13.49%
Details Regular APR: 11.99% APR to 18.00% APR; Rates current as of 1/24/2026. The rates are variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, conditions, and cardholder benefits are subject to change at any time without notice. Not all applicants will qualify. Please see your Guide to Benefits for complete program details. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
MC Federal Visa Signature	-	14.49%
Details Regular APR: 11.99% APR to 18.00% APR; Rates current as of 1/24/2026. The rates are variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, conditions, and cardholder benefits are subject to change at any time without notice. Not all applicants will qualify. Please see your Guide to Benefits for complete program details. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
MC Federal Architect Visa	-	18.00%
Details Regular APR: 11.99% APR to 18.00% APR; Rates current as of 1/24/2026. The rates are variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, conditions, and cardholder benefits are subject to change at any time without notice. Not all applicants will qualify. Please see your Guide to Benefits for complete program details. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 07/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%

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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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for MC 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 MC 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 MC Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MC Federal Credit Union

Website https://www.mcfcu.org

Address 390 Walnut St, Danville, PA 17821 1503

Phone 570-275-6155

Fax 570-275-4176

President Douglas Bastian

CEO Elba Arenas

Full-Time Employees 42

Part-Time Employees 4

Branch Locations 6

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 (95/100)

Texas Ratio

9.74%

Return on Assets (ROA)

1.1242%

Return on Equity (ROE)

9.8477%

Non-Performing Loans Ratio (NPL)

1.70%

Total Assets

243,156,431

Total Amount of Shares and Deposits

215,667,693

Total Shares and Deposits < 1 Year

205,699,248

Total Shares and Deposits 1 3 Years

9,673,482

Total Shares and Deposits > 3 Years

294,962

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

13,068,916

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

13,068,916

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

202,598,777

Total Interest Expense (Sum of items 6 8)

3,229,783

Share Certificates

1,895

Number of Accounts for Share Drafts

8,050

IRA KEOGH Accounts

553

Number of Accounts for Regular Shares

15,491

All other shares

756

Money Market Shares

518

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

24,838,251

Total Liabilities

217,370,882

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

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Average Rating

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Frequently Asked Questions About MC Federal Credit Union

How many branches does MC Federal Credit Union operate?

MC 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 MC Federal Credit Union?

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

Does MC Federal Credit Union offer online and mobile banking?

Most modern institutions like MC 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.mcfcu.org.