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MassMutual Federal Credit Union

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MassMutual Federal Credit Union Rates & Review July 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, MassMutual 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: July 21, 2026

MassMutual Federal Credit Union's Personal Loan Rates are at 3.99%. MonitorBankRates evaluates the financial stability of MassMutual Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.91%. Rates were last updated on 07/21/2026.

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

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.91%

Excellent Higher than avg

MassMutual Federal Credit Union
MassMutual FCU

1295 State St
Springfield, MA 01111

https://www.massmutualfcu.org

MassMutual Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	3.99%
Details Intro rate expires: Summer; Finance your vehicle and save all summer long. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

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.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for MassMutual 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 MassMutual 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 MassMutual Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MassMutual Federal Credit Union

Website https://www.massmutualfcu.org

Address 1295 State St, Springfield, MA 01111

Phone 413-744-3431

Fax 413-226-4359

President Bethany Cowles

CEO Lisa Asadourian

Full-Time Employees 33

Part-Time Employees 0

Branch Locations 2

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.91%

Return on Assets (ROA)

0.0607%

Return on Equity (ROE)

0.5199%

Non-Performing Loans Ratio (NPL)

1.33%

Total Assets

326,756,862

Total Amount of Shares and Deposits

285,132,529

Total Shares and Deposits < 1 Year

258,596,113

Total Shares and Deposits 1 3 Years

18,782,226

Total Shares and Deposits > 3 Years

7,754,190

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

40,594,180

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

40,594,180

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

244,538,349

Total Interest Expense (Sum of items 6 8)

4,615,252

Share Certificates

2,369

Number of Accounts for Share Drafts

9,084

IRA KEOGH Accounts

334

Number of Accounts for Regular Shares

16,529

All other shares

206

Money Market Shares

1,846

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

198,334

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

19,384,477

Total Liabilities

288,628,434

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

MassMutual Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About MassMutual Federal Credit Union

How many branches does MassMutual Federal Credit Union operate?

MassMutual 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 MassMutual Federal Credit Union?

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

Does MassMutual Federal Credit Union offer online and mobile banking?

Most modern institutions like MassMutual 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://www.massmutualfcu.org.