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 Municipal Employees Credit Union of Balt Rates & Review August 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 and Verified: August 28, 2026
Municipal Employees Credit Union of Balt's 15-month CD rates are at 4.10%, 15-month** Regular CDs rates are at 4.10%, 8-month CD rates are at 3.90%, 8-month* Regular CDs rates are at 3.90%, 12-month Regular CDs rates are at 3.80%. Municipal Employees Credit Union of Balt's savings rates are at 0.10%. Municipal Employees Credit Union of Balt's money market rates are at 0.00%. Municipal Employees Credit Union of Balt's 10-year fixed rate rates are at 5.12%, 10-year fixed rate rates are at 5.38%, 15-year fixed rate rates are at 5.38%, 15-year fixed rate rates are at 5.62%, 5/1 ARM (adjustable rate) rates are at 5.00%. Municipal Employees Credit Union of Balt's Personal Loan Rates are at 10.24%. MonitorBankRates evaluates the financial stability of Municipal Employees Credit Union of Balt with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.68%. Rates last updated and verified on 08/28/2026. Municipal Employees Credit Union of Balt 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 Municipal Employees Credit Union of Balt? Share your experience about Municipal Employees Credit Union of Balt by leaving a review below, or read customer reviews before you decide to use Municipal Employees Credit Union of Balt. Municipal Employees Credit Union of Balt
Corporate Offices 1 South St
https://www.mecu.com Baltimore, MD 21202 
Municipal Employees Credit Union of Balt CD Rates
Municipal Employees Credit Union of Balt Savings Rates
Municipal Employees Credit Union of Balt Money Market Rates
Municipal Employees Credit Union of Balt Checking Rates
Municipal Employees Credit Union of Balt Mortgage Rates
Municipal Employees Credit Union of Balt Home Equity & HELOC
Municipal Employees Credit Union of Balt Auto Loan Rates
Municipal Employees Credit Union of Balt Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Municipal Employees Credit Union of Balt 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 Municipal Employees Credit Union of Balt 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 Municipal Employees Credit Union of Balt's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Municipal Employees Credit Union of Balt
Website
https://www.mecu.com
Address
1 South St,
Baltimore, MD 21202
Phone
410-752-8313
Fax
443-927-3804
President
G Louise Green
CEO
John Hamilton
Full-Time Employees
279
Part-Time Employees
11
Branch Locations
9
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.68%
Return on Assets (ROA)
0.1939%
Return on Equity (ROE)
1.5096%
Non-Performing Loans Ratio (NPL)
2.29%
Total Assets
1,242,577,454
Total Amount of Shares and Deposits
1,035,175,773
Total Shares and Deposits < 1 Year
978,075,007
Total Shares and Deposits 1 3 Years
44,182,666
Total Shares and Deposits > 3 Years
12,918,100
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
80,362,688
Total Uninsured Shares and Deposits > $250K (F+J)
80,362,688
Total Insured Shares and Deposits > $250K (item 17 less item K)
954,813,085
Total Interest Expense (Sum of items 6 8)
10,405,232
Share Certificates
9,938
Number of Accounts for Share Drafts
47,511
IRA KEOGH Accounts
3,400
Number of Accounts for Regular Shares
106,626
Non Member Deposits
1
Money Market Shares
1,701
Net Income (unless the amount is already included in Undivided Earnings)
2,409,933
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)
27,181,474
Total Liabilities
1,103,440,042
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
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Frequently Asked Questions About Municipal Employees Credit Union of BaltHow many branches does Municipal Employees Credit Union of Balt operate?Municipal Employees Credit Union of Balt 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 Municipal Employees Credit Union of Balt?Yes, to access services at Municipal Employees Credit Union of Balt, 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, Municipal Employees Credit Union of Balt 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, Municipal Employees Credit Union of Balt provides members with tools to manage their accounts and build a solid financial history. Does Municipal Employees Credit Union of Balt offer online and mobile banking?Most modern institutions like Municipal Employees Credit Union of Balt 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.mecu.com. Current Municipal Employees Credit Union of Balt Rates
Retrieved from our database of financial products. Rates subject to change.
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