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Meridian Mutual Federal Credit Union

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Meridian Mutual Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Meridian Mutual 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: May 15, 2026

Meridian Mutual Federal Credit Union's Personal Loan Rates are at 2.99%. MonitorBankRates evaluates the financial stability of Meridian Mutual Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.53%. Rates were last updated on 05/15/2026.

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

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.53%

Excellent Lower than avg

Meridian Mutual Federal Credit Union
Main Office

809 26th Ave
Meridian, MS 39301

https://www.meridianmutualfcu.com

Meridian Mutual Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan Refinance	-	-	2.99%
Details Qualifications Required: direct deposit; As Low As; Applies to refinancing of automobiles from other lenders only. Current Meridian Mutual FCU auto loans and clear title loans are not eligible. We will drop the current rate by 2%. Minimum rate 2.99%, maximum rate 18%. $20 application fee. 2009 and newer models only. Must have direct deposit. Credit score will determine loan to value amount. Paperwork from current financial institution required. Must join or be a member of Meridian Mutual FCU. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

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 Meridian Mutual 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 Meridian Mutual 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 Meridian Mutual Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Meridian Mutual Federal Credit Union

Website https://www.meridianmutualfcu.com

Address 809 26th Ave, Meridian, MS 39301

Phone 601-693-1900

Fax 601-482-5748

President Cliff Partridge Jr

CEO Justin Branstetter

Full-Time Employees 23

Part-Time Employees 2

Branch Locations 2

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.53%

Return on Assets (ROA)

0.5019%

Return on Equity (ROE)

3.8386%

Non-Performing Loans Ratio (NPL)

1.26%

Total Assets

64,913,710

Total Amount of Shares and Deposits

56,778,654

Total Shares and Deposits < 1 Year

56,273,778

Total Shares and Deposits 1 3 Years

489,217

Total Shares and Deposits > 3 Years

15,658

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

2,723,783

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

2,723,783

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

54,054,871

Total Interest Expense (Sum of items 6 8)

479,526

Share Certificates

398

Number of Accounts for Share Drafts

4,669

IRA KEOGH Accounts

Number of Accounts for Regular Shares

7,302

All other shares

1,202

Money Market Shares

144

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

6,036,785

Total Liabilities

56,931,456

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Meridian Mutual Federal Credit Union earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Meridian Mutual Federal Credit Union

How many branches does Meridian Mutual Federal Credit Union operate?

Meridian Mutual 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 Meridian Mutual Federal Credit Union?

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

Does Meridian Mutual Federal Credit Union offer online and mobile banking?

Most modern institutions like Meridian Mutual 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.meridianmutualfcu.com.