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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Muskegon 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.
Read Full Bio →
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 11, 2026
Muskegon Federal Credit Union's IRA & CDS 5 YEAR rates are at 3.75%, IRA & CDS 4 YEAR rates are at 3.70%, IRA & CDS 3 YEAR rates are at 3.65%, IRA & CDS 2 YEAR rates are at 3.60%, IRA & CDS 1 YEAR rates are at 3.55%. MonitorBankRates evaluates the financial stability of Muskegon Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.55%. Rates were last updated on 04/11/2026. Muskegon 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 Muskegon Federal Credit Union? Share your experience about Muskegon Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Muskegon Federal Credit Union. Muskegon Federal Credit Union
CORPORATE OFFICE 65 W LAKETON AVE
https://www.muskfedcu.com MUSKEGON, MI 49441 
Muskegon Federal Credit Union CD Rates
Muskegon Federal Credit Union Savings Rates
Muskegon Federal Credit Union Home Equity & HELOC
Muskegon Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Muskegon 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 Muskegon 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 Muskegon Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Muskegon Federal Credit Union
Website
https://www.muskfedcu.com
Address
65 W LAKETON AVE,
MUSKEGON, MI 49441
Phone
231-722-7285
Fax
President
JAMES TAYLOR
CEO
TONI WINSKAS
Full-Time Employees
14
Part-Time Employees
1
Branch Locations
2
ATM Locations
0
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
0.55%
Return on Assets (ROA)
0.4005%
Return on Equity (ROE)
3.6512%
Non-Performing Loans Ratio (NPL)
0.15%
Total Assets
78,713,262
Total Amount of Shares and Deposits
69,639,422
Total Shares and Deposits < 1 Year
66,059,487
Total Shares and Deposits 1 3 Years
2,658,911
Total Shares and Deposits > 3 Years
921,024
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,922,092
Total Uninsured Shares and Deposits > $250K (F+J)
4,922,092
Total Insured Shares and Deposits > $250K (item 17 less item K)
64,717,330
Total Interest Expense (Sum of items 6 8)
936,995
Share Certificates
665
Number of Accounts for Share Drafts
3,512
IRA KEOGH Accounts
190
Number of Accounts for Regular Shares
5,446
All other shares
1,425
Money Market Shares
724
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,087,255
Total Liabilities
70,127,180
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Muskegon Federal Credit UnionIs Muskegon Federal Credit Union a safe place to deposit money?Yes, Muskegon Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.5518490242985%, 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 Muskegon Federal Credit Union operate?Muskegon 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 Muskegon Federal Credit Union?Yes, to access services at Muskegon 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, Muskegon 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, Muskegon Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Muskegon Federal Credit Union offer online and mobile banking?Most modern institutions like Muskegon 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.muskfedcu.com. Current Muskegon Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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