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Millbury Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 29, 2026
Millbury Federal Credit Union's 18 Month CD rates are at 4.00%, I.R.A. CDs - 18 Month rates are at 4.00%, 24 Month CD rates are at 3.75%, 30 Month CD rates are at 3.75%, 36 Month CD rates are at 3.75%. Millbury Federal Credit Union's savings rates are at 2.75%. Millbury Federal Credit Union's money market rates are at 0.10%. Millbury Federal Credit Union's checking rates are as high as 2.75%. Millbury Federal Credit Union's Personal Loan Rates are as low as 11.15%. Millbury Federal Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Millbury Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.17%. Rates last updated and verified on 10/29/2026.
Millbury 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 Millbury Federal Credit Union? Share your experience about Millbury Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Millbury Federal Credit Union.
Millbury Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Millbury Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.17%
ExcellentLower than avg
Millbury Federal Credit Union Texas Ratio
Millbury Federal Credit Union's Texas Ratio is 2.17%, which is considered excellent and is lower than the national average of 6.13%.
Millbury Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.74% to 2.17% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Millbury Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
18 Month Certificate
3.93%
4.00%
18 Month
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
I.R.A. Certificates - 18 Month
3.93%
4.00%
18 Month
Min Deposit$200
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
24 Month Certificate
3.69%
3.75%
24 Month
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
30 Month Certificate
3.69%
3.75%
30 Month
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
36 Month Certificate
3.69%
3.75%
36 Month
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
48 Month Certificate
3.69%
3.75%
48 Month
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
60 Month Certificate
3.69%
3.75%
60 Month
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
I.R.A. Certificates - 24 Month
3.69%
3.75%
24 Month
Min Deposit$200
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
I.R.A. Certificates - 30 Month
3.69%
3.75%
30 Month
Min Deposit$200
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
I.R.A. Certificates - 36 Month
3.69%
3.75%
36 Month
Min Deposit$200
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
I.R.A. Certificates - 48 Month
3.69%
3.75%
48 Month
Min Deposit$200
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
I.R.A. Certificates - 60 Month
3.69%
3.75%
60 Month
Min Deposit$200
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
7 Month Certificate
3.20%
3.25%
7 Month
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
I.R.A. Certificates - 7 Month
3.20%
3.25%
7 Month
Min Deposit$200
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
12 Month Certificate
1.49%
1.50%
12 Month
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
I.R.A. Certificates - 12 Month
1.49%
1.50%
12 Month
Min Deposit$200
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
6 Month Certificate
0.85%
0.85%
6 Month
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
6 Month Bank At Work Certificate
0.25%
0.25%
6 Month
Min Deposit$500
DetailsPenalty for early withdrawal applies
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Millbury Federal Credit Union Savings Rates
Product
Rate
APY
View More
I.R.A. Retirement Savings
0.50%
0.50%
Min Deposit$25
DetailsPenalty for early withdrawal; Fees could reduce the earnings on this account
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 0.50% APY · checked 2 times
No change since Oct 13, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Millbury Federal Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Money Market Savings Special
2.72%
2.75%
Min Balance$500,000
DetailsBalance: $500,000.00 and over; Minimum balance for membership $5.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Business Money Market Savings Special
1.98%
2.00%
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99; Minimum balance for membership $5.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Business Money Market Savings Special
1.00%
1.00%
Min Balance$25
DetailsBalance: $25.00 - $49,999.99; Minimum balance for membership $5.00
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 1.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Business Money Market Savings Special
1.00%
1.00%
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; Minimum balance for membership $5.00
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 1.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Business Money Market Savings Special
1.00%
1.00%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99; Minimum balance for membership $5.00
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 1.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Millbury Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Personal Money Market Statement
0.10%
0.10%
Min Deposit$100,000
DetailsBalance: $100,000.00 - $249,999.99
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Personal Money Market Statement
0.10%
0.10%
Min Deposit$250,000
DetailsBalance: $250,000.00 and over
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Personal Money Market Statement
0.05%
0.05%
Min Deposit$25
DetailsBalance: $25.00 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Personal Money Market Statement
0.05%
0.05%
Min Deposit$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Millbury Federal Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Money Market Savings Special
2.72%
2.75%
Min Balance$500,000
DetailsBalance: $500,000.00 and over; Minimum balance for membership $5.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Business Money Market Savings Special
1.98%
2.00%
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99; Minimum balance for membership $5.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Business Money Market Savings Special
1.00%
1.00%
Min Balance$25
DetailsBalance: $25.00 - $49,999.99; Minimum balance for membership $5.00
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 1.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Business Money Market Savings Special
1.00%
1.00%
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; Minimum balance for membership $5.00
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 1.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Business Money Market Savings Special
1.00%
1.00%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99; Minimum balance for membership $5.00
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 1.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Business Money Market Statement
0.10%
0.10%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99; Minimum balance for membership $5.00; Fees could reduce the earnings on this account
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Business Money Market Statement
0.10%
0.10%
Min Balance$250,000
DetailsBalance: $250,000.00 and over; Minimum balance for membership $5.00; Fees could reduce the earnings on this account
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Business Money Market Statement
0.05%
0.05%
Min Balance$25
DetailsBalance: $25.00 - $49,999.99; Minimum balance for membership $5.00; Fees could reduce the earnings on this account
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Business Money Market Statement
0.05%
0.05%
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; Minimum balance for membership $5.00; Fees could reduce the earnings on this account
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Millbury Federal Credit Union Checking Rates
Product
Rate
APY
View More
Youth Banking Companion Checking
-
2.75%
Min Deposit$5
DetailsAvailable to parents/guardians of students in MCU School Banking program at listed schools; Rate subject to change without notice; effective 1/7/2026
Last Updated10/29/2026
Rate History
No change since Sep 29, 2026 · 2.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Money Market Checking
0.10%
0.10%
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99+
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Money Market Checking
0.05%
0.05%
Min Balance$25
DetailsBalance: $25.00 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Money Market Checking
0.05%
0.05%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Money Market Checking
0.05%
0.05%
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
N.O.W and Optimum Checking
0.05%
0.05%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Optimum Checking
-
0.05%
Min Deposit$5
DetailsInterest bearing 0.05% A.P.Y.; $15 monthly maintenance fee waived with $5,000.00 minimum balance; 0.50% discount on certain Consumer Loans with automatic loan payments (discount, not a rate); Rate subject to change without notice; effective 5/16/25
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Millbury Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Car Loans - New And Used
-
-
6.02%
36 Month
DetailsAs Low As; Car Model Years 2023 - 2027
Last Updated10/29/2026
Rate History
4 changes since Sep 21, 2026 · 5.77% → 6.02% ▲ 0.25 pts · high 6.02% / low 5.77%
Oct 15, 20266.02%▲ from 5.87%
Oct 13, 20265.87%▲ from 5.77%
Oct 9, 20265.77%▼ from 5.87%
Oct 5, 20265.87%▲ from 5.77%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used
-
-
6.02%
48 Month
DetailsAs Low As; Car Model Years 2023 - 2027
Last Updated10/29/2026
Rate History
4 changes since Sep 21, 2026 · 5.77% → 6.02% ▲ 0.25 pts · high 6.02% / low 5.77%
Oct 15, 20266.02%▲ from 5.87%
Oct 13, 20265.87%▲ from 5.77%
Oct 9, 20265.77%▼ from 5.87%
Oct 5, 20265.87%▲ from 5.77%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used
-
-
6.02%
60 Month
DetailsAs Low As; Car Model Years 2023 - 2027
Last Updated10/29/2026
Rate History
4 changes since Sep 21, 2026 · 5.77% → 6.02% ▲ 0.25 pts · high 6.02% / low 5.77%
Oct 15, 20266.02%▲ from 5.87%
Oct 13, 20265.87%▲ from 5.77%
Oct 9, 20265.77%▼ from 5.87%
Oct 5, 20265.87%▲ from 5.77%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used
-
-
6.12%
36 Month
DetailsAs Low As; Model Year: 2022
Last Updated10/29/2026
Rate History
4 changes since Sep 21, 2026 · 5.77% → 6.12% ▲ 0.35 pts · high 6.32% / low 5.77%
Oct 15, 20266.12%▼ from 6.32%
Oct 13, 20266.32%▲ from 5.77%
Oct 9, 20265.77%▼ from 5.87%
Oct 5, 20265.87%▲ from 5.77%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used
-
-
6.12%
48 Month
DetailsAs Low As; Model Year: 2022
Last Updated10/29/2026
Rate History
4 changes since Sep 21, 2026 · 5.77% → 6.12% ▲ 0.35 pts · high 6.32% / low 5.77%
Oct 15, 20266.12%▼ from 6.32%
Oct 13, 20266.32%▲ from 5.77%
Oct 9, 20265.77%▼ from 5.87%
Oct 5, 20265.87%▲ from 5.77%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used
-
-
6.12%
60 Month
DetailsAs Low As; Model Year: 2022
Last Updated10/29/2026
Rate History
4 changes since Sep 21, 2026 · 5.77% → 6.12% ▲ 0.35 pts · high 6.32% / low 5.77%
Oct 15, 20266.12%▼ from 6.32%
Oct 13, 20266.32%▲ from 5.77%
Oct 9, 20265.77%▼ from 5.87%
Oct 5, 20265.87%▲ from 5.77%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used
-
-
6.49%
72 Month
DetailsAs Low As; Car Model Years 2023 - 2027
Last Updated10/29/2026
Rate History
4 changes since Sep 21, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24%
Oct 15, 20266.49%▲ from 6.37%
Oct 13, 20266.37%▲ from 6.24%
Oct 9, 20266.24%▼ from 6.37%
Oct 5, 20266.37%▲ from 6.24%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used - Car Model Year 2021
-
-
6.57%
36 Month
DetailsAs Low As; Car Model Year 2021
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.57% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used - Car Model Year 2021
-
-
6.57%
48 Month
DetailsAs Low As; Car Model Year 2021
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.57% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used - Car Model Year 2021
-
-
6.57%
60 Month
DetailsAs Low As; Car Model Year 2021
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.57% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loan - New And Used - Model Year 2020 - 36 Month Term
-
-
6.62%
36 Month
DetailsAs Low As; Car Model Year 2020
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.62% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loan - New And Used - Model Year 2020 - 48 Month Term
-
-
6.62%
48 Month
DetailsAs Low As; Car Model Year 2020
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.62% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loan - New And Used - Model Year 2020 - 60 Month Term
-
-
6.62%
60 Month
DetailsAs Low As; Car Model Year 2020
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.62% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used
-
-
6.62%
72 Month
DetailsAs Low As; Model Year: 2022
Last Updated10/29/2026
Rate History
4 changes since Sep 21, 2026 · 6.24% → 6.62% ▲ 0.38 pts · high 6.82% / low 6.24%
Oct 15, 20266.62%▼ from 6.82%
Oct 13, 20266.82%▲ from 6.24%
Oct 9, 20266.24%▼ from 6.37%
Oct 5, 20266.37%▲ from 6.24%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used - Car Model Year 2019
-
-
6.87%
36 Month
DetailsAs Low As; Car Model Year 2019
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.87% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used - Car Model Year 2019
-
-
6.87%
48 Month
DetailsAs Low As; Car Model Year 2019
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.87% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loan - New And Used - Model Year 2020 - 72 Month Term
-
-
7.07%
72 Month
DetailsAs Low As; Car Model Year 2020
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.07% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used - Car Model Year 2021
-
-
7.07%
72 Month
DetailsAs Low As; Car Model Year 2021
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.07% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used
-
-
7.37%
84 Month
DetailsAs Low As; Car Model Years 2023 - 2027
Last Updated10/29/2026
Rate History
1 change since Sep 21, 2026 · 7.12% → 7.37% ▲ 0.25 pts · high 7.37% / low 7.12%
Oct 15, 20267.37%▲ from 7.12%
Sep 21, 20267.12%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used - Model Year 2018 - 36 Month Term
-
-
8.07%
36 Month
DetailsAs Low As; Car Model Year 2018; Rates determined by personal credit history
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.07% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used - Model Year 2018 - 48 Month Term
-
-
8.07%
48 Month
DetailsAs Low As; Car Model Year 2018; Rates determined by personal credit history
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.07% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Car Loans - New And Used - Car Model Year 2017
-
-
8.12%
36 Month
DetailsAs Low As; Car Model Year 2017; Rates are determined by your personal credit history; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.12% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Millbury Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle Loans Model year 2023-2027
-
8.53%
36 Month
DetailsAs Low As; Model years 2023-2027; Rates determined by personal credit history; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
1 change since Oct 9, 2026 · 8.28% → 8.53% ▲ 0.25 pts · high 8.53% / low 8.28%
Oct 23, 20268.53%▲ from 8.28%
Oct 9, 20268.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Motorcycle Loans Model year 2023-2027
-
8.53%
48 Month
DetailsAs Low As; Model years 2023-2027; Rates determined by personal credit history; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
1 change since Oct 9, 2026 · 8.28% → 8.53% ▲ 0.25 pts · high 8.53% / low 8.28%
Oct 23, 20268.53%▲ from 8.28%
Oct 9, 20268.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Motorcycle Loans Model year 2023-2027
-
8.53%
60 Month
DetailsAs Low As; Model years 2023-2027; Rates determined by personal credit history; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
1 change since Oct 9, 2026 · 8.28% → 8.53% ▲ 0.25 pts · high 8.53% / low 8.28%
Oct 23, 20268.53%▲ from 8.28%
Oct 9, 20268.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Motorcycle Loans Used - Model years 2020 - 2022
-
10.53%
36 Month
DetailsAs Low As; Model years 2020 - 2022
Last Updated10/29/2026
Rate History
1 change since Sep 21, 2026 · 10.28% → 10.53% ▲ 0.25 pts · high 10.53% / low 10.28%
Oct 15, 202610.53%▲ from 10.28%
Sep 21, 202610.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Motorcycle Loans Used - Model years 2020 - 2022
-
10.53%
48 Month
DetailsAs Low As; Model years 2020 - 2022
Last Updated10/29/2026
Rate History
1 change since Sep 21, 2026 · 10.28% → 10.53% ▲ 0.25 pts · high 10.53% / low 10.28%
Oct 15, 202610.53%▲ from 10.28%
Sep 21, 202610.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - New RV and Boat
-
10.53%
36 Month
DetailsAs Low As; Model Years: 2023 - 2027; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 10.28% → 10.53% ▲ 0.25 pts · high 10.53% / low 10.28%
Oct 23, 202610.53%▲ from 10.28%
Oct 13, 202610.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - New RV and Boat
-
10.53%
48 Month
DetailsAs Low As; Model Years: 2023 - 2027; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 10.28% → 10.53% ▲ 0.25 pts · high 10.53% / low 10.28%
Oct 23, 202610.53%▲ from 10.28%
Oct 13, 202610.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - New RV and Boat
-
10.53%
60 Month
DetailsAs Low As; Model Years: 2023 - 2027; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 10.28% → 10.53% ▲ 0.25 pts · high 10.53% / low 10.28%
Oct 23, 202610.53%▲ from 10.28%
Oct 13, 202610.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - New RV and Boat
-
11.03%
72 Month
DetailsAs Low As; Model Years: 2023 - 2027; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 10.78% → 11.03% ▲ 0.25 pts · high 11.03% / low 10.78%
Oct 23, 202611.03%▲ from 10.78%
Oct 13, 202610.78%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - New RV and Boat
-
11.03%
84 Month
DetailsAs Low As; Model Years: 2023 - 2027; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 10.78% → 11.03% ▲ 0.25 pts · high 11.03% / low 10.78%
Oct 23, 202611.03%▲ from 10.78%
Oct 13, 202610.78%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - Used RV and boat 2020 - 2022 model years
-
12.53%
36 Month
DetailsAs Low As; Model Years: 2020 - 2022; Rates determined by personal credit history; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
1 change since Oct 5, 2026 · 12.28% → 12.53% ▲ 0.25 pts · high 12.53% / low 12.28%
Oct 15, 202612.53%▲ from 12.28%
Oct 5, 202612.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - Used RV and boat 2020 - 2022 model years
-
12.53%
48 Month
DetailsAs Low As; Model Years: 2020 - 2022; Rates determined by personal credit history; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
1 change since Oct 5, 2026 · 12.28% → 12.53% ▲ 0.25 pts · high 12.53% / low 12.28%
Oct 15, 202612.53%▲ from 12.28%
Oct 5, 202612.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - Used RV and boat 2020 - 2022 model years
-
12.53%
60 Month
DetailsAs Low As; Model Years: 2020 - 2022; Rates determined by personal credit history; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
1 change since Oct 5, 2026 · 12.28% → 12.53% ▲ 0.25 pts · high 12.53% / low 12.28%
Oct 15, 202612.53%▲ from 12.28%
Oct 5, 202612.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - Used RV and boat 2020 - 2022 model years
-
13.03%
72 Month
DetailsAs Low As; Model Years: 2020 - 2022; Rates determined by personal credit history; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
1 change since Oct 5, 2026 · 12.78% → 13.03% ▲ 0.25 pts · high 13.03% / low 12.78%
Oct 15, 202613.03%▲ from 12.78%
Oct 5, 202612.78%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Recreational Vehicle Loans - Used RV and boat 2020 - 2022 model years
-
13.03%
84 Month
DetailsAs Low As; Model Years: 2020 - 2022; Rates determined by personal credit history; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
1 change since Oct 5, 2026 · 12.78% → 13.03% ▲ 0.25 pts · high 13.03% / low 12.78%
Oct 15, 202613.03%▲ from 12.78%
Oct 5, 202612.78%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Millbury Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Unsecured Loan
11.15%
Up to 60 Month
DetailsAs Low As; Maximum loan amount $10,000.00; Rate includes 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account; Rates are determined by your personal credit history
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 11.15% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Millbury Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Home Improvement Loan
-
-
10.15%
36 Month
DetailsAs Low As; Maximum loan amount - $10,000.00; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 10.15% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Home Improvement Loan
-
-
10.65%
48 Month
DetailsAs Low As; Maximum loan amount - $10,000.00; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 10.65% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Home Improvement Loan
-
-
10.65%
60 Month
DetailsAs Low As; Maximum loan amount - $10,000.00; Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 10.65% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Wealth Invest!
0.75%
-
0.75%
Min Balance$1
DetailsBalance: $1 - $250,000
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Wealth Invest!
0.20%
-
0.20%
Min Balance$250,000
DetailsBalance: >$250,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Wealth Manager
0.20%
-
0.20%
DetailsMinimum deposit to open account $25,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.17%
Financial Health History
Millbury Federal Credit Union’s Texas Ratio fell from 2.74% in Q3 2023 to 2.17% 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
$468M
2.17%
5.0
A+
March 31, 2026
$478M
2.13%
5.0
A+
December 31, 2025
$475M
2.88%
5.0
A+
September 30, 2025
$473M
3.36%
5.0
A+
June 30, 2025
$487M
2.86%
5.0
A+
March 31, 2025
$485M
2.11%
5.0
A+
December 31, 2024
$489M
3.75%
5.0
A+
September 30, 2024
$489M
2.53%
5.0
A+
June 30, 2024
$488M
2.38%
5.0
A+
March 31, 2024
$488M
1.13%
5.0
A+
December 31, 2023
$477M
2.86%
5.0
A+
September 30, 2023
$473M
2.74%
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 Millbury 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 Millbury 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 Millbury Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
50,254,688
Total Uninsured Shares and Deposits > $250K (F+J)
50,254,688
Total Insured Shares and Deposits > $250K (item 17 less item K)
369,129,866
Total Interest Expense (Sum of items 6 8)
3,013,838
Share Certificates
2,100
Number of Accounts for Share Drafts
12,473
IRA KEOGH Accounts
1,082
Number of Accounts for Regular Shares
17,101
All other shares
731
Money Market Shares
719
Net Income (unless the amount is already included in Undivided Earnings)
690,730
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)
21,987,349
Total Liabilities
427,143,773
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Millbury 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.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Millbury Federal Credit Union
Frequently Asked Questions About Millbury Federal Credit Union
Does Millbury Federal Credit Union offer CDs?
Yes. Millbury Federal Credit Union current CD rates include its 18 Month CD at 4.00% APY, its I.R.A. CDs - 18 Month at 4.00% APY and its 24 Month CD at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Millbury Federal Credit Union NCUA insured?
Yes. Millbury 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 Millbury Federal Credit Union?
The highest Millbury Federal Credit Union CD rate is its 18 Month CD at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Millbury Federal Credit Union offer?
Millbury Federal Credit Union CD rates are 1.50% APY for a 12 month CD, 4.00% APY for an 18 month CD, 3.75% APY for a 2 year CD, 3.75% APY for a 30 month CD, 3.75% APY for a 3 year CD and 3.75% 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 Millbury Federal Credit Union for its full lineup.
What is the highest savings rate at Millbury Federal Credit Union?
The highest Millbury Federal Credit Union savings rate is its I.R.A. Retirement Savings at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Millbury Federal Credit Union?
The highest Millbury Federal Credit Union money market rate is its Business Money Market Savings Special at 2.75% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Millbury Federal Credit Union?
The highest Millbury Federal Credit Union checking rate is its Youth Banking Companion Checking at 2.75% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Millbury Federal Credit Union?
The lowest Millbury Federal Credit Union auto loan rate is its Car Loans - New And Used at 6.02% APR, verified by MonitorBankRates as of October 29, 2026. Millbury Federal Credit Union auto loan rates are 6.62% APR for a 36 month auto loan, 6.62% APR for a 48 month auto loan, 6.62% APR for a 60 month auto loan and 7.07% APR for a 72 month auto loan.
What is the lowest personal loan rate at Millbury Federal Credit Union?
The lowest Millbury Federal Credit Union personal loan rate is its Personal Unsecured Loan at 11.15% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Millbury Federal Credit Union operate?
Millbury 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 Millbury Federal Credit Union?
Yes, to access services at Millbury 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, Millbury 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, Millbury Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Millbury Federal Credit Union offer online and mobile banking?
Most modern institutions like Millbury 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.millburycu.com.
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 Millbury Federal Credit Union rates compare?
Millbury Federal Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. Millbury Federal Credit Union's top rates are its 18 Month CD at 4.00% APY, its Business Money Market Savings Special at 2.75% APY, its Business Money Market Statement at 0.10% APY, its Youth Banking Companion Checking at 2.75% APY and its Personal Unsecured Loan at 11.15% APR, verified by MonitorBankRates on October 29, 2026.
Current Millbury Federal Credit Union Rates
12-Month CD1.50%
18-Month CD4.00%
24-Month CD3.75%
60-Month CD3.75%
Savings2.75%
MMA0.10%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
