What are the current interest rates at Montcalm Public Employees Credit Union?

Current rates for Montcalm Public Employees Credit Union include: 12-Month CD: 3.50%

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Montcalm Public Employees Credit Union

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Montcalm Public Employees Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Montcalm Public Employees 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: April 19, 2026

Montcalm Public Employees Credit Union's 12 month CD Accounts rates are at 3.50%, 6 month CD Accounts rates are at 3.50%, 9 month CD Accounts rates are at 3.50%. MonitorBankRates evaluates the financial stability of Montcalm Public Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.55%. Rates were last updated on 04/19/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.55%

Excellent Lower than avg

Montcalm Public Employees Credit Union
Montcalm Public Employees Credit Union

1157 E Main St
Edmore, MI 48829 7302

https://mpecreditunion.com

Montcalm Public Employees Credit Union CD Rates

Product	Rate	APY	Term
12 month Certificate Accounts	-	3.50%	12 Months
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
6 month Certificate Accounts	-	3.50%	6 Months
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
9 month Certificate Accounts	-	3.50%	9 Months
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

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 Montcalm Public Employees 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 Montcalm Public Employees 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 Montcalm Public Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Montcalm Public Employees Credit Union

Website https://mpecreditunion.com

Address 1157 E Main St, Edmore, MI 48829 7302

Phone 989-427-5663

Fax 989-427-3773

President William Moore

CEO Lisa Longnecker

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

3.55%

Return on Assets (ROA)

0.6334%

Return on Equity (ROE)

3.7470%

Non-Performing Loans Ratio (NPL)

2.02%

Total Assets

25,093,290

Total Amount of Shares and Deposits

20,837,872

Total Shares and Deposits < 1 Year

20,790,395

Total Shares and Deposits 1 3 Years

47,477

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

2,105,513

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

2,105,513

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

18,732,359

Total Interest Expense (Sum of items 6 8)

181,856

Share Certificates

179

Number of Accounts for Share Drafts

738

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,821

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,097,755

Total Liabilities

20,855,254

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Montcalm Public Employees Credit Union

Is Montcalm Public Employees Credit Union a safe place to deposit money?

Yes, Montcalm Public Employees Credit Union is considered a safe financial institution. With a Texas Ratio of 3.5499767094069%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Montcalm Public Employees Credit Union operate?

Montcalm Public Employees 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 Montcalm Public Employees Credit Union?

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

Does Montcalm Public Employees Credit Union offer online and mobile banking?

Most modern institutions like Montcalm Public Employees 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://mpecreditunion.com.