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Malden Federal Credit Union Rates & Review July 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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: July 21, 2026

You can compare Malden Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.40%, 6-month share certificate rates at 0.15% and 3-month share certificate rates at 3.75%. Savings rates are at 0.05% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 6.23%. All these rates can be compared to Malden Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Malden Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.20%. Rates were last updated on 07/21/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.20%
Excellent Lower than avg
Malden Federal Credit Union
Main Office
10 Holden St
Malden, MA 02148
https://maldenfcu.com
Member NCUA

Current Rate Availability

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

Credit Union Profile & Overview

Credit Union Name Malden Federal Credit Union
Website https://maldenfcu.com
Address 10 Holden St, Malden, MA 02148
Phone 781-324-2241
Fax 781-324-8828
President Fred Feldman
CEO Patricia Dempsey
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
0.20%
Return on Assets (ROA)
0.2755%
Return on Equity (ROE)
1.6200%
Non-Performing Loans Ratio (NPL)
0.08%
Total Assets
28,622,445
Total Amount of Shares and Deposits
23,699,937
Total Shares and Deposits < 1 Year
23,130,335
Total Shares and Deposits 1 3 Years
569,603
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,146,095
Total Uninsured Shares and Deposits > $250K (F+J)
1,146,095
Total Insured Shares and Deposits > $250K (item 17 less item K)
22,553,842
Total Interest Expense (Sum of items 6 8)
261,721
Share Certificates
299
Number of Accounts for Share Drafts
503
IRA KEOGH Accounts
76
Number of Accounts for Regular Shares
1,797
Money Market Shares
248
Net Income (unless the amount is already included in Undivided Earnings)
78,865
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
764,019
Total Liabilities
23,754,231
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Malden Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Malden Federal Credit Union

How many branches does Malden Federal Credit Union operate?

Malden 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 Malden Federal Credit Union?

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

Does Malden Federal Credit Union offer online and mobile banking?

Most modern institutions like Malden 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://maldenfcu.com.

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