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MSD Federal Credit Union

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MSD Federal Credit Union Rates & Review October 2026

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

MSD 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 MSD Federal Credit Union?

Yes, to access services at MSD 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, MSD 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 and Verified: October 9, 2026

MSD Federal Credit Union's top rates as of October 9, 2026 are 2.27% APY on its 182 Day Promotional CD Account, and personal loans from 11.50% APR, according to rates verified by MonitorBankRates. Other MSD Federal Credit Union CD rates include 365 Day Promotional CD Account at 2.27%, 1825 Day IRA CD (Regular/Roth) at 1.91%, and 1825 Day CD at 1.91%. MonitorBankRates evaluates the financial stability of MSD Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Improving 12 quarters

Full history ›

MSD Federal Credit Union
MSD Federal Credit Union

700 W Liberty St
Louisville, KY 40203-1911

https://louisvillemsd.org/msd-federal-credit-union

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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.

MSD Federal Credit Union CD Rates

Product	Rate	APY	Term
182 Day Promotional Share Certificate Account	2.25%	2.273%	182 Days
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
365 Day Promotional Share Certificate Account	2.25%	2.273%	365 Days
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
1825 Day IRA Certificate (Regular/Roth)	1.90%	1.914%	1825 Days
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.91% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
1825 Day Share Certificate	1.90%	1.914%	1825 Days
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.91% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
730 Day IRA Certificate (Regular/Roth)	1.65%	1.66%	730 Days
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 1.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
730 Day Share Certificate	1.65%	1.66%	730 Days
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 1.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
365 Day IRA Certificate (Regular/Roth)	1.40%	1.407%	365 Days
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 1.41% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
365 Day Share Certificate	1.40%	1.407%	365 Days
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 1.41% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
365 Day Share Certificate	1.40%	1.407%	365 Days
Min Deposit $100 Details Youth Share Certificate Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 1.41% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
365 Day Youth Share Certificate	1.40%	1.407%	365 Days
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 1.41% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
182 Day Share Certificate	1.15%	1.155%	182 Days
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 1.16% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

MSD Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
AUTO - NEW	-	-	4.25%	72 months
Details As low as *** 100% Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 4.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
AUTO - USED Late Model Used (Current Year + 3 Years)	-	-	4.25%	72 months
Details As low as *** 100% Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 4.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
AUTO - USED Used (Over 4Years)	-	-	6.00%	60 months
Details As low as CRV 100% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
AUTO - USED Used (Over 10 Years)	-	-	8.00%	48 months
Details As low as CRV 100% Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

MSD Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
BOATS, CYCLES, CAMPERS, RV's- NEW Loan	-	5.25%	72 months
Details As low as CRV 100% Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
BOATS, CYCLES, CAMPERS, RVs - USED Late Model Used (Current Year + 3 Years) Loan	-	5.75%	60 months
Details As low as *** 100% Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
BOATS, CYCLES, CAMPERS, RVs - USED Used (Over 4 Years) Loan	-	7.25%	60 months
Details As low as *** 100% Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
BOATS, CYCLES, CAMPERS, RVs - USED Used (Over 7 Years) Loan	-	8.25%	48 months
Details As low as *** 100% Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

MSD Federal Credit Union Personal Loan Rates

Product	APR	Term
UNSECURED Signature Loan	11.50%	60 months
Details As low as; max $5,000 (combined unsecured limit) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
UNSECURED Line of Credit (Share Draft/Overdraft Protection)	18.00%	60 months
Details Max $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
UNSECURED Payday Option Loan	18.00%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 18.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

MSD Federal Credit Union’s Texas Ratio fell from 14.09% in Q3 2023 to 0.00% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A- to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$8M	0.00%	5.0	A+
March 31, 2026	$8M	1.15%	5.0	A+
December 31, 2025	$7M	6.22%	5.0	A
September 30, 2025	$7M	0.00%	5.0	A+
June 30, 2025	$8M	0.05%	5.0	A+
March 31, 2025	$7M	0.00%	5.0	A+
December 31, 2024	$7M	0.10%	5.0	A+
September 30, 2024	$7M	1.58%	5.0	A+
June 30, 2024	$7M	2.90%	5.0	A+
March 31, 2024	$7M	2.61%	5.0	A+
December 31, 2023	$8M	1.59%	5.0	A+
September 30, 2023	$8M	14.09%	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 MSD 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 MSD 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 MSD Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MSD Federal Credit Union

Website https://louisvillemsd.org/msd-federal-credit-union

Address 700 W Liberty St, Louisville, KY 40203-1911

Phone 502-540-6213

Fax 502-587-7832

President Dana Walton

CEO Thomas Poos

Full-Time Employees 3

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+ (100/100)

Texas Ratio

0.00%

Return on Assets (ROA)

-1.6616%

Return on Equity (ROE)

-13.5245%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

7,781,689

Total Amount of Shares and Deposits

6,818,761

Total Shares and Deposits < 1 Year

6,642,357

Total Shares and Deposits 1 3 Years

63,886

Total Shares and Deposits > 3 Years

112,518

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

306,570

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

306,570

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

6,512,191

Total Interest Expense (Sum of items 6 8)

17,406

Share Certificates

Number of Accounts for Share Drafts

377

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,825

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)

578,161

Total Liabilities

6,825,656

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

MSD Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/msd-federal-credit-union-rates-review-20595">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About MSD Federal Credit Union

How many branches does MSD Federal Credit Union operate?

MSD 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 MSD Federal Credit Union?

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

Does MSD Federal Credit Union offer online and mobile banking?

Most modern institutions like MSD 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://louisvillemsd.org/msd-federal-credit-union.