What are the current interest rates at Mclennan County Employees Federal Credit Union?

Current rates for Mclennan County Employees Federal Credit Union include: 12-Month CD: 0.65%, 24-Month CD: 0.85%, 60-Month CD: 1.10%, Savings: 0.50%, MMA: 0.60%

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Mclennan County Employees Federal Credit Union

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Mclennan County Employees Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mclennan County Employees 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

Mclennan County Employees Federal Credit Union's top rates as of October 12, 2026 are 1.10% APY on its 5 Year CD Min (PAID QUARTERLY), 0.50% APY on savings, 0.60% APY on money market accounts, 0.10% APY on checking, auto loans from 2.00% APR, and credit cards from 8.50% APR, according to rates verified by MonitorBankRates. Other Mclennan County Employees Federal Credit Union CD rates include 4 Year CD Min (PAID QUARTERLY) at 1.05%, 3 Year CD Min (PAID QUARTERLY) at 0.95%, and 2 Year CD Min (PAID QUARTERLY) at 0.85%. MonitorBankRates evaluates the financial stability of Mclennan County Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.02%. Rates last updated and verified on 10/12/2026.

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

0.02%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Mclennan County Employees Federal Credit Union
Corporate Office

215 N 5th St Ste 224
Waco, TX 76701-1364

https://www.mclennancountyefcu.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.

Mclennan County Employees Federal Credit Union CD Rates

Product	Rate	APY	Term
5 Year CD Min (PAID QUARTERLY)	1.10%	1.10%	5 Year
Min Deposit $1,000 Details $1,000.00; Paid quarterly; Early withdrawal subject to 90 day dividend penalty Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
4 Year CD Min (PAID QUARTERLY)	1.05%	1.05%	4 Year
Min Deposit $1,000 Details $1,000.00; Paid quarterly; Early withdrawal subject to 90 day dividend penalty Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
3 Year CD Min (PAID QUARTERLY)	0.95%	0.95%	3 Year
Min Deposit $1,000 Details $1,000.00; Paid quarterly; Early withdrawal subject to 90 day dividend penalty Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
2 Year CD Min (PAID QUARTERLY)	0.85%	0.85%	2 Year
Min Deposit $1,000 Details $1,000.00; Paid quarterly; Early withdrawal subject to 90 day dividend penalty Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
1 Year CD Min (PAID QUARTERLY)	0.65%	0.65%	1 Year
Min Deposit $1,000 Details $1,000.00; Paid quarterly; Early withdrawal subject to 90 day dividend penalty Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
6 Month CD Min (PAID QUARTERLY)	0.35%	0.35%	6 Month
Min Deposit $1,000 Details $1,000.00; Term: 6 Month - Contributing; Paid quarterly; Early withdrawal subject to 90 day dividend penalty Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Mclennan County Employees Federal Credit Union Savings Rates

Product	Rate	APY
SAVINGS (PAID QUARTERLY)	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000.00 AND ABOVE; Paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
SAVINGS (PAID QUARTERLY)	0.30%	0.30%
Min Balance $5,000 Details Balance: $5,000.00 TO $49,999.99; Paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
SAVINGS (PAID QUARTERLY)	0.15%	0.15%
Min Balance $25 Details Balance: $25.01 TO $2,499.99; Paid quarterly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Mclennan County Employees Federal Credit Union Money Market Rates

Product	Rate	APY
MONEY MARKET ACCOUNT (PAID MONTHLY)	0.60%	0.60%
Min Balance $50,000 Details Balance: $50,000.00 and over; Average Balance Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
MONEY MARKET ACCOUNT (PAID MONTHLY)	0.40%	0.40%
Min Balance $5,000 Details Balance: $5,000.00 - $49,999.99; Average Balances Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
MONEY MARKET ACCOUNT (PAID MONTHLY)	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000.00 - $2,499.99; Average Balances Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Mclennan County Employees Federal Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft/Checking	0.10%	0.10%
Details Dividends Paid Monthly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Mclennan County Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles - With Approved Credit Loan	-	-	2.00%	60 Months
Details As Low As; Monthly Payments; APR Type: Fixed Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
New Vehicles - With Approved Credit Loan	-	-	2.25%	72 Months
Details As Low As; Monthly Payments; APR Type: Fixed Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Mclennan County Employees Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
MasterCard - With Approved Credit	-	8.50%
Details Monthly Payments; APR Type: Fixed Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Mclennan County Employees Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA - No Min	0.65%	-	0.65%	1 Year
Details Rates as of 10/20/2020; Dividend rate 0.65% Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

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

Mclennan County Employees Federal Credit Union’s Texas Ratio fell from 2.44% in Q3 2023 to 0.02% 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	0.02%	5.0	A+
March 31, 2026	$21M	0.12%	5.0	A+
December 31, 2025	$21M	0.03%	5.0	A+
September 30, 2025	$21M	0.00%	5.0	A+
June 30, 2025	$21M	0.34%	5.0	A+
March 31, 2025	$21M	0.08%	5.0	A+
December 31, 2024	$21M	0.06%	5.0	A+
September 30, 2024	$21M	0.00%	5.0	A+
June 30, 2024	$22M	0.30%	5.0	A+
March 31, 2024	$22M	0.78%	5.0	A+
December 31, 2023	$23M	2.14%	5.0	A+
September 30, 2023	$23M	2.44%	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 Mclennan County 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 Mclennan County 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 Mclennan County Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mclennan County Employees Federal Credit Union

Website https://www.mclennancountyefcu.com

Address 215 N 5th St Ste 224, Waco, TX 76701-1364

Phone 254-757-5015

Fax 254-757-5017

President Timothy Jackson, Jr.

CEO Alan Boyd

Full-Time Employees 5

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+ (100/100)

Texas Ratio

0.02%

Return on Assets (ROA)

0.0808%

Return on Equity (ROE)

0.3155%

Non-Performing Loans Ratio (NPL)

0.02%

Total Assets

21,554,342

Total Amount of Shares and Deposits

15,938,838

Total Shares and Deposits < 1 Year

14,999,966

Total Shares and Deposits 1 3 Years

814,379

Total Shares and Deposits > 3 Years

124,493

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

297,671

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

297,671

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

15,641,167

Total Interest Expense (Sum of items 6 8)

84,944

Share Certificates

164

Number of Accounts for Share Drafts

711

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,368

Money Market Shares

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)

3,162,469

Total Liabilities

16,032,545

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Mclennan County Employees Federal Credit Union earned the Verified Healthy badge

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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 Mclennan County Employees Federal Credit Union

How many branches does Mclennan County Employees Federal Credit Union operate?

Mclennan County Employees 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 Mclennan County Employees Federal Credit Union?

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

Does Mclennan County Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Mclennan County Employees 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.mclennancountyefcu.com.