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Kearny Municipal Employees Federal Credit Union Rates and Review March 2026

Q: What are the current interest rates at Kearny Municipal Employees Federal Credit Union?

Current rates for Kearny Municipal Employees Federal Credit Union include:

Content reviewed by

Brian McKay

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Kearny Municipal Employees Federal Credit Union Deposit Rates

You can compare Kearny Municipal Employees Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.25%, 6-month share certificate rates at 0.10% and 3-month share certificate rates at 0.50%. Savings rates are at 0.05% and money market rates are at 0.55%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates, and more, can be found in our database of rates which you can compare to Kearny Municipal Employees Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Kearny Municipal Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.06%. Rates were last updated on 03/07/2026.

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

Kearny Municipal Employees Federal Credit Union Texas Ratio

Kearny Municipal Employees Federal Credit Union's Texas Ratio is at 3.06%, which is considered excellent. The Texas Ratio for Kearny Municipal Employees Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Kearny Municipal Employees Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.

MonitorBankRates Rating

5.0

Exceptional

Out of 5.0 Stars

Kearny Municipal Employees Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, Kearny Municipal Employees Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars.

Overall Health & Safety Grade

A+

Exceptional Health

Score: 98/100

Kearny Municipal Employees Federal Credit Union has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.

Current Interest Rates

Product

APY/APR

vs.Avg

12-Month CD

N/A

2.38%

18-Month CD

N/A

2.14%

24-Month CD

N/A

2.17%

36-Month CD

N/A

2.11%

48-Month CD

N/A

2.10%

60-Month CD

N/A

2.23%

Savings

N/A

0.60%

MMA

N/A

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Rates Last Updated: 03/07/2026

Kearny Municipal Employees Federal Credit Union
kearny municipal efcu

645 kearny ave
kearny, NJ 07032

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCEPTIONAL

🏆

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Current Rate Availability

We do not have Kearny Municipal Employees 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 Kearny Municipal Employees 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 Kearny Municipal Employees 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 Kearny Municipal Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name: Kearny Municipal Employees Federal Credit Union

Website:

Full Time Employees: 0
Part Time Employees: 4
President: martin rowe
CEO: william pettigrew
Branch Locations: 2
ATM Locations: 0

Corporate Office Address:

645 kearny ave
kearny, NJ 07032
Phone Number: 201-997-8434
Fax Number: 201-942-2593

Financials

MonitorBankRates Star Rating:

5.0 / 5.0 ★

Overall Health & Safety Grade:

A+ (98/100)

Texas Ratio:

3.06%

Return on Assets (ROA):

-0.5472%

Return on Equity (ROE):

-2.3217%

Non-Performing Loans Ratio (NPL):

5.76%

Total Assets:

6,182,379

Total Amount of Shares and Deposits:

4,710,410

Total Shares and Deposits < 1 Year:

4,710,410

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

4,710,410

Total Interest Expense (Sum of items 6 8):

65,169

IRA KEOGH Accounts:

Number of Accounts for Regular Shares:

681

Total Cash on Deposit (Amounts Deposited in Financial Institutions):

998,235

Total Liabilities:

4,725,188

Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Kearny Municipal Employees Federal Credit Union

Is a member application needed to join Kearny Municipal Employees Federal Credit Union?

Yes, to access services at Kearny Municipal Employees Federal Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Kearny Municipal Employees Federal Credit Union provides a range of mortgage and home equity products.

Is Kearny Municipal Employees Federal Credit Union a safe place to deposit money?

Yes, Kearny Municipal Employees Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.