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 Mountain Laurel Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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: April 18, 2026
Mountain Laurel Federal Credit Union's 12 month IRA CD rates are at 3.50%, 24 month IRA CD rates are at 3.00%. Mountain Laurel Federal Credit Union's savings rates are at 0.25%. Mountain Laurel Federal Credit Union's Personal Loan Rates are at 3.99%. MonitorBankRates evaluates the financial stability of Mountain Laurel Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.36%. Rates were last updated on 04/18/2026. Mountain Laurel 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 Mountain Laurel Federal Credit Union? Share your experience about Mountain Laurel Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mountain Laurel Federal Credit Union. Mountain Laurel Federal Credit Union
Mountain Laurel FCU Main Office 413 S Michael St
https://www.mlfcu.net Saint Marys, PA 15857 
Mountain Laurel Federal Credit Union CD Rates
Mountain Laurel Federal Credit Union Savings Rates
Mountain Laurel Federal Credit Union Home Equity & HELOC
Mountain Laurel Federal Credit Union Auto Loan Rates
Mountain Laurel Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Mountain Laurel 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 Mountain Laurel 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 Mountain Laurel Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Mountain Laurel Federal Credit Union
Website
https://www.mlfcu.net
Address
413 S Michael St,
Saint Marys, PA 15857
Phone
814-834-9518
Fax
814-781-1646
President
Daniel Jones
CEO
Rena Sennett
Full-Time Employees
29
Part-Time Employees
10
Branch Locations
6
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.36%
Return on Assets (ROA)
2.0352%
Return on Equity (ROE)
10.5637%
Non-Performing Loans Ratio (NPL)
0.14%
Total Assets
162,870,325
Total Amount of Shares and Deposits
130,949,460
Total Shares and Deposits < 1 Year
130,218,971
Total Shares and Deposits 1 3 Years
730,489
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
672,895
Total Uninsured Shares and Deposits > $250K (F+J)
672,895
Total Insured Shares and Deposits > $250K (item 17 less item K)
130,276,565
Total Interest Expense (Sum of items 6 8)
549,806
Share Certificates
591
Number of Accounts for Share Drafts
7,827
IRA KEOGH Accounts
420
Number of Accounts for Regular Shares
20,019
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,736,819
Total Liabilities
131,551,102
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Mountain Laurel Federal Credit UnionIs Mountain Laurel Federal Credit Union a safe place to deposit money?Yes, Mountain Laurel Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.3648371893447%, 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 Mountain Laurel Federal Credit Union operate?Mountain Laurel 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 Mountain Laurel Federal Credit Union?Yes, to access services at Mountain Laurel 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, Mountain Laurel 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, Mountain Laurel Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Mountain Laurel Federal Credit Union offer online and mobile banking?Most modern institutions like Mountain Laurel 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.mlfcu.net. Current Mountain Laurel Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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