What are the current interest rates at Warren Municipal Federal Credit Union?

Current rates for Warren Municipal Federal Credit Union include: MMA: 0.01%

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Warren Municipal Federal Credit Union

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Warren Municipal Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Warren Municipal 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 12, 2026

Warren Municipal Federal Credit Union's top rates as of October 12, 2026 are 0.01% APY on money market accounts, and personal loans from 5.99% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Warren Municipal Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.83%. Rates last updated and verified on 10/12/2026.

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

0.83%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Warren Municipal Federal Credit Union
Warren Municipal Federal Credit Union

31300 Hoover Rd
Warren, MI 48093-1774

https://warrenmunicipalfcu.com

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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.

Warren Municipal Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	0.01%	0.01%
Min Balance $2,500 Details Balance: $2,500.00 and up Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

Warren Municipal Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Cars and Trucks Loan	4.99%	-	4.99%	Up to 60 Months
Details As Low As; Secured Loan Pricing - Base Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Used Cars and Trucks Loan	4.99%	-	4.99%	Up to 60 Months
Details As Low As; Secured Loan Pricing - Base Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
New Cars and Trucks Loan	5.99%	-	5.99%	Up to 84 Months
Details As Low As; Secured Loan Pricing - Base Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

Warren Municipal Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boats/RV Loan	6.00%	6.00%	180 Months
Details As Low As; Secured Loan Pricing - Base Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
New 4 Wheelers/Jet Skies Loan	7.00%	7.00%	60 Months
Details As Low As; Secured Loan Pricing - Base Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Used Boats /RV Loan	7.00%	7.00%	144 Months
Details As Low As; Secured Loan Pricing - Base Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Used 4 Wheelers/Jet Skies Loan	8.00%	8.00%	60 Months
Details As Low As; Secured Loan Pricing - Base Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
New Motorcycles Loan	8.25%	8.25%	60 Months
Details As Low As; Secured Loan Pricing - Base Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Used Motorcycles Loan	8.50%	8.50%	60 Months
Details As Low As; Secured Loan Pricing - Base Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
New Snowmobiles/Tractors/Backhoes Loan	10.00%	10.00%	60 Months
Details As Low As; Secured Loan Pricing - Base Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Used Snowmobiles/Tractors/Backhoes Loan	11.00%	11.00%	60 Months
Details As Low As; Secured Loan Pricing - Base Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 11.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

Warren Municipal Federal Credit Union Personal Loan Rates

Product	APR	Term
Closed End Signature Loan	5.99%	36 Months
Details As Low As; Secured Loan Pricing - Base Rates; Certain restrictions apply on Closed End Signature Loans Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Closed End Signature Loan	7.99%	48 Months
Details As Low As; Secured Loan Pricing - Base Rates; Certain restrictions apply on Closed End Signature Loans Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Closed End Signature Loan	9.99%	60 Months
Details As Low As; Secured Loan Pricing - Base Rates; Certain restrictions apply on Closed End Signature Loans Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

Warren Municipal Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Holiday Loan	8.50%	-	8.50%	12 Months
Details As Low As; Secured Loan Pricing - Base Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
New and Used Loan	5.99%	-	5.99%	Up to 72 Months
Details As Low As; Secured Loan Pricing - Base Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
New Cars and Trucks Loan	-	-	4.99%	Up to 60 Months
Details Home Page Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
New Cars and Trucks Loan	-	-	5.99%	Up to 84 Months
Details Home Page Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Revolving Credit Loan	15.00%	-	15.00%	36 Months
Details As Low As; Secured Loan Pricing - Base Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 15.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Used Cars and Trucks Loan	-	-	4.99%	Up to 60 Months
Details Home Page Rates Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Regular Shares	0.02%	-	0.02%
Min Balance $5 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

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

Warren Municipal Federal Credit Union’s Texas Ratio fell from 1.98% in Q3 2023 to 0.83% 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. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$22M	0.83%	5.0	A+
March 31, 2026	$21M	0.43%	5.0	A+
December 31, 2025	$20M	0.62%	5.0	A+
September 30, 2025	$20M	0.74%	5.0	A+
June 30, 2025	$21M	0.60%	5.0	A+
March 31, 2025	$21M	0.61%	5.0	A+
December 31, 2024	$21M	0.65%	5.0	A+
September 30, 2024	$21M	1.12%	5.0	A+
June 30, 2024	$21M	1.05%	5.0	A+
March 31, 2024	$21M	1.69%	5.0	A+
December 31, 2023	$21M	2.53%	5.0	A+
September 30, 2023	$21M	1.98%	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 Warren Municipal 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 Warren Municipal 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 Warren Municipal Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Warren Municipal Federal Credit Union

Website https://warrenmunicipalfcu.com

Address 31300 Hoover Rd, Warren, MI 48093-1774

Phone 586-268-9690

Fax 586-268-5898

President Chester Kulesza

CEO Karen Mollison

Full-Time Employees 3

Part-Time Employees 2

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

0.83%

Return on Assets (ROA)

0.3487%

Return on Equity (ROE)

3.6371%

Non-Performing Loans Ratio (NPL)

0.20%

Total Assets

22,109,732

Total Amount of Shares and Deposits

19,902,853

Total Shares and Deposits < 1 Year

19,902,853

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

46,842

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

46,842

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

19,856,011

Total Interest Expense (Sum of items 6 8)

1,441

Number of Accounts for Share Drafts

652

Number of Accounts for Regular Shares

1,529

Money Market Shares

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

77,089

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)

3,351,357

Total Liabilities

19,990,222

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Warren Municipal 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.

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

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Frequently Asked Questions About Warren Municipal Federal Credit Union

How many branches does Warren Municipal Federal Credit Union operate?

Warren Municipal 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 Warren Municipal Federal Credit Union?

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

Does Warren Municipal Federal Credit Union offer online and mobile banking?

Most modern institutions like Warren Municipal 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://warrenmunicipalfcu.com.