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Merrimack Valley Credit Union Rates & Review April 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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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: April 25, 2026

You can compare Merrimack Valley Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.15%, 6-month share certificate rates at 2.50% and 3-month share certificate rates at 3.01%. Savings rates are at 0.30% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to Merrimack Valley Credit Union rates. MonitorBankRates evaluates the financial stability of Merrimack Valley Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.43%. Rates were last updated on 04/25/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.43%
Excellent Lower than avg
Merrimack Valley Credit Union
MVFCU Corporate Office
500 Merrimack St
Lawrence, MA 01843
https://www.mvcu.com
Member NCUA

Current Rate Availability

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

Credit Union Profile & Overview

Credit Union Name Merrimack Valley Credit Union
Website https://www.mvcu.com
Address 500 Merrimack St, Lawrence, MA 01843
Phone 978-975-4095
Fax 978-685-3297
President Domenic Mazzocco
CEO John Howard
Full-Time Employees 291
Part-Time Employees 9
Branch Locations 28
ATM Locations 22
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.43%
Return on Assets (ROA)
0.2747%
Return on Equity (ROE)
2.6348%
Non-Performing Loans Ratio (NPL)
0.62%
Total Assets
2,192,587,700
Total Amount of Shares and Deposits
1,888,324,361
Total Shares and Deposits < 1 Year
1,868,255,632
Total Shares and Deposits 1 3 Years
18,273,165
Total Shares and Deposits > 3 Years
1,795,565
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
112,865,840
Total Uninsured Shares and Deposits > $250K (F+J)
112,865,840
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,775,458,521
Total Interest Expense (Sum of items 6 8)
26,350,168
Share Certificates
10,354
Number of Accounts for Share Drafts
67,928
IRA KEOGH Accounts
5,848
Number of Accounts for Regular Shares
143,155
Non Member Deposits
7
Money Market Shares
1,219
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
72,224,668
Total Liabilities
1,982,514,605
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About Merrimack Valley Credit Union

Is Merrimack Valley Credit Union a safe place to deposit money?

Yes, Merrimack Valley Credit Union is considered a safe financial institution. With a Texas Ratio of 4.4254050074115%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Merrimack Valley Credit Union operate?

Merrimack Valley 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 Merrimack Valley Credit Union?

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

Does Merrimack Valley Credit Union offer online and mobile banking?

Most modern institutions like Merrimack Valley 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.mvcu.com.

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