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MUTUAL FIRST

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MUTUAL FIRST Rates & Review August 2026

Q: How many branches does MUTUAL FIRST operate?

MUTUAL FIRST 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 MUTUAL FIRST?

Yes, to access services at MUTUAL FIRST, 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: Is there a first-time homebuyer program?

Currently, MUTUAL FIRST 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, MUTUAL FIRST 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: August 29, 2026

MUTUAL FIRST rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not MUTUAL FIRST, and you can see how they compare in the MUTUAL FIRST rate tables below. MonitorBankRates evaluates the financial stability of MUTUAL FIRST with a 4.3 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 23.34%. Database rates last updated and verified on 08/29/2026.

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

Overall Health & Safety Grade

B-

Adequate Health Score: 81/100

MonitorBankRates Rating

4.3

Excellent Out of 5.0 Stars

Texas Ratio

23.34%

Good Higher than avg

MUTUAL FIRST
MFFCU Main Branch

14510 F St
Omaha, NE 68137

http wwwmutualfirstcom

Current Rate Availability

We're not currently displaying rates for MUTUAL FIRST, but our database is updated constantly — check back soon for the latest offers.

Are you with MUTUAL FIRST? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for MUTUAL FIRST 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 MUTUAL FIRST 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 MUTUAL FIRST's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MUTUAL FIRST

Website http wwwmutualfirstcom

Address 14510 F St, Omaha, NE 68137

Phone 402-697-8200

Fax

President Sherri Hinkel

CEO Kevin Straub

Full-Time Employees 31

Part-Time Employees 2

Branch Locations 3

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.3 / 5.0 ★

Overall Health & Safety Grade

B- (81/100)

Texas Ratio

23.34%

Return on Assets (ROA)

0.0863%

Return on Equity (ROE)

1.0275%

Non-Performing Loans Ratio (NPL)

2.90%

Total Assets

116,951,589

Total Amount of Shares and Deposits

105,405,797

Total Shares and Deposits < 1 Year

104,884,137

Total Shares and Deposits 1 3 Years

481,361

Total Shares and Deposits > 3 Years

40,299

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

11,000,644

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

11,000,644

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

94,405,153

Total Interest Expense (Sum of items 6 8)

1,254,939

Share Certificates

676

Number of Accounts for Share Drafts

4,059

IRA KEOGH Accounts

184

Number of Accounts for Regular Shares

11,962

All other shares

790

Non Member Deposits

Money Market Shares

222

Net Income (unless the amount is already included in Undivided Earnings)

100,871

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)

8,411,915

Total Liabilities

107,548,963

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About MUTUAL FIRST

How many branches does MUTUAL FIRST operate?

MUTUAL FIRST 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 MUTUAL FIRST?

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

Does MUTUAL FIRST offer online and mobile banking?

Most modern institutions like MUTUAL FIRST 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: http wwwmutualfirstcom.