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First Unity Federal Credit Union

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First Unity Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Unity 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: May 20, 2026

You can compare First Unity Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.50%, 6-month share certificate rates at 0.10% and 3-month share certificate rates at 3.80%. Savings rates are at 1.50% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.31%. All these rates can be compared to First Unity Federal Credit Union rates. MonitorBankRates evaluates the financial stability of First Unity Federal Credit Union with a 3.0 Star Rating, an D Overall Health Grade, and a Texas Ratio of 39.30%. Rates were last updated on 05/20/2026.

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

Overall Health & Safety Grade

Weak Health Score: 60/100

MonitorBankRates Rating

3.0

Fair Out of 5.0 Stars

Texas Ratio

39.30%

Fair Higher than avg

First Unity Federal Credit Union
Main Office

200 N Broadway St
McComb, MS 39648

Current Rate Availability

We do not have First Unity Federal Credit Union 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 First Unity 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 First Unity 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 First Unity Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Unity Federal Credit Union

Website

Address 200 N Broadway St, McComb, MS 39648

Phone 601-680-4419

Fax

President Freddie Deer

CEO Samuel Hall

Full-Time Employees 4

Part-Time Employees 3

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

3.0 / 5.0 ★

Overall Health & Safety Grade

D (60/100)

Texas Ratio

39.30%

Return on Assets (ROA)

2.1767%

Return on Equity (ROE)

19.2313%

Non-Performing Loans Ratio (NPL)

5.52%

Total Assets

12,125,456

Total Amount of Shares and Deposits

10,745,947

Total Shares and Deposits < 1 Year

3,707,980

Total Shares and Deposits 1 3 Years

6,250,952

Total Shares and Deposits > 3 Years

787,015

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

10,745,947

Total Interest Expense (Sum of items 6 8)

315,430

Share Certificates

318

Number of Accounts for Regular Shares

4,014

All other shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,392,599

Total Liabilities

10,753,063

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for First Unity Federal Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Unity Federal Credit Union

How many branches does First Unity Federal Credit Union operate?

First Unity 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 First Unity Federal Credit Union?

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

Does First Unity Federal Credit Union offer online and mobile banking?

Most modern institutions like First Unity Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.