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MUSKEGON ST JOSEPH Rates & Review April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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  • Location-Based Rate Tables
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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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| iEditorial Disclosure
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 25, 2026

You can compare MUSKEGON ST JOSEPH rates to other rates in our database, including 12-month share certificate rates currently at 0.60%, 6-month share certificate rates at 2.78% and 3-month share certificate rates at 3.80%. Savings rates are at 0.05% and money market rates are at 0.35%. Mortgage rates on 30-year fixed loans are around 5.54%. All these rates can be compared to MUSKEGON ST JOSEPH rates. MonitorBankRates evaluates the financial stability of MUSKEGON ST JOSEPH with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.09%. Rates were last updated on 04/25/2026.

MUSKEGON ST JOSEPH 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 ST JOSEPH? Share your experience about MUSKEGON ST JOSEPH by leaving a review below, or read customer reviews before you decide to use MUSKEGON ST JOSEPH.

Overall Health & Safety Grade ?
A
Excellent Health Score: 93/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
13.09%
Excellent Higher than avg
Sabine State Bank and Trust Company
Main Office
1903 Barclay St
Muskegon, MI 49441
Member NCUA

Current Rate Availability

We do not have MUSKEGON ST JOSEPH rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for MUSKEGON ST JOSEPH 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 ST JOSEPH 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 ST JOSEPH's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MUSKEGON ST JOSEPH
Website
Address 1903 Barclay St, Muskegon, MI 49441
Phone 231-759-7931
Fax 231-759-7432
President Stephen Benedict
CEO Mary Kleinsorge
Full-Time Employees 3
Part-Time Employees 1
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 (93/100)
Texas Ratio
13.09%
Return on Assets (ROA)
0.8031%
Return on Equity (ROE)
7.8521%
Non-Performing Loans Ratio (NPL)
2.04%
Total Assets
13,022,330
Total Amount of Shares and Deposits
11,599,495
Total Shares and Deposits < 1 Year
11,599,495
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
37,017
Total Uninsured Shares and Deposits > $250K (F+J)
37,017
Total Insured Shares and Deposits > $250K (item 17 less item K)
11,562,478
Total Interest Expense (Sum of items 6 8)
210,030
Number of Accounts for Regular Shares
1,346
Net Income (unless the amount is already included in Undivided Earnings)
96,485
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
283,921
Total Liabilities
11,690,354
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About MUSKEGON ST JOSEPH

Is MUSKEGON ST JOSEPH a safe place to deposit money?

Yes, MUSKEGON ST JOSEPH is considered a safe financial institution. With a Texas Ratio of 13.088599193979%, 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 ST JOSEPH operate?

MUSKEGON ST JOSEPH 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 ST JOSEPH?

Yes, to access services at MUSKEGON ST JOSEPH, 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 ST JOSEPH 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 ST JOSEPH provides members with tools to manage their accounts and build a solid financial history.

Does MUSKEGON ST JOSEPH offer online and mobile banking?

Most modern institutions like MUSKEGON ST JOSEPH provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.

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