What are the current interest rates at Miami University Community Federal Credit Union?

Current rates for Miami University Community Federal Credit Union include: 12-Month CD: 3.40%, 24-Month CD: 3.45%, 60-Month CD: 3.60%, Savings: 0.05%, MMA: 0.75%

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Miami University Community Federal Credit Union

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Miami University Community Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Miami University Community 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: September 21, 2026

Miami University Community Federal Credit Union's 60 Month CD rates are at 3.60%, 48 Month CD rates are at 3.55%, 15 Month CD Special rates are at 3.50%, 36 Month CD rates are at 3.50%, 24 Month CD rates are at 3.45%. Miami University Community Federal Credit Union's savings rates are at 0.05%. Miami University Community Federal Credit Union's money market rates are at 0.75%. Miami University Community Federal Credit Union's Farm and Lawn Tractors Loan rates are at 11.99%. Miami University Community Federal Credit Union's Auto Loan Rates are as low as 5.99%. Miami University Community Federal Credit Union's Credit Card Rates are at 12.95%. MonitorBankRates evaluates the financial stability of Miami University Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.41%. Rates last updated and verified on 09/21/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.41%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

Miami University Community Federal Credit Union
Miami University Community Federal Credit Union

31 Lynn Ave
Oxford, OH 45056

https://www.muccu.org

Miami University Community Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate	3.54%	3.60%	60 Months
Min Deposit $1,000 Details Silver Hawk Members: Add 0.05% to the rate on CDs with a term of 24 months or less; add 0.10% to the rate on CDs with a term greater than 24 months. Not applicable to specials or promotions. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
48 Month Certificate	3.49%	3.55%	48 Months
Min Deposit $1,000 Details Silver Hawk Members: Add 0.05% to the rate on CDs with a term of 24 months or less; add 0.10% to the rate on CDs with a term greater than 24 months. Not applicable to specials or promotions. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
15 Month Certificate Special	3.44%	3.50%	15 Months
Min Deposit $1,000 Details Current specials are highlighted in blue Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
36 Month Certificate	3.44%	3.50%	36 Months
Min Deposit $1,000 Details Silver Hawk Members: Add 0.05% to the rate on CDs with a term of 24 months or less; add 0.10% to the rate on CDs with a term greater than 24 months. Not applicable to specials or promotions. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
24 Month Certificate	3.40%	3.45%	24 Months
Min Deposit $1,000 Details Silver Hawk Members: Add 0.05% to the rate on CDs with a term of 24 months or less; add 0.10% to the rate on CDs with a term greater than 24 months. Not applicable to specials or promotions. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
12 Month Certificate	3.35%	3.40%	12 Months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
6 Month Certificate	3.30%	3.35%	6 Months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%

Miami University Community Federal Credit Union Savings Rates

Product	Rate	APY
Kiddie Hawk Savings	0.15%	0.15%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Silver Hawk Savings	0.15%	0.15%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Christmas Club/Holiday Savings	0.10%	0.10%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Regular Savings	0.05%	0.05%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Special Savings	0.05%	0.05%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%

Miami University Community Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.50%	1.50%
Min Balance $75,000 Details Balance: $75,000 and up Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Money Market Account	1.25%	1.25%
Min Balance $50,000 Details Balance: $50,000-$74,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Money Market Account	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000-$49,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Money Market Account	0.75%	0.75%
Min Balance $5,000 Details Balance: $5,000-$24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%

Miami University Community Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Farm and Lawn Tractors Loan	-	-	11.99%	60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Farm and Lawn Tractors Loan	-	-	11.99%	120 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%

Miami University Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Nearly New Auto Loan	-	-	5.99%	48 Months
Details Advertised rates current as of 1/24/2026. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. Subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the fees page. Rates, terms, conditions, and product components are subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
2022-2023 Auto Loan	-	-	6.24%	48 Months
Details Advertised rates current as of 1/24/2026. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. Subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the fees page. Rates, terms, conditions, and product components are subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
New or Nearly New Auto Loan	-	-	6.24%	60 Months
Details Advertised rates current as of 1/24/2026. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. Subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the fees page. Rates, terms, conditions, and product components are subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
2022-2023 Auto Loan	-	-	6.49%	60 Months
Details Advertised rates current as of 1/24/2026. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. Subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the fees page. Rates, terms, conditions, and product components are subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
New or Nearly New Auto Loan	-	-	6.49%	72 Months
Details Advertised rates current as of 1/24/2026. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. Subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the fees page. Rates, terms, conditions, and product components are subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
2022-2023 Auto Loan	-	-	6.74%	72 Months
Details Advertised rates current as of 1/24/2026. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. Subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the fees page. Rates, terms, conditions, and product components are subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
New or Nearly New Auto Loan	-	-	6.74%	84 Months
Details Advertised rates current as of 1/24/2026. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. Subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the fees page. Rates, terms, conditions, and product components are subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
2019-2021 Auto Loan	-	-	7.24%	48 Months
Details Advertised rates current as of 1/24/2026. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. Subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the fees page. Rates, terms, conditions, and product components are subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
2019-2021 Auto Loan	-	-	7.49%	60 Months
Details Advertised rates current as of 1/24/2026. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. Subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the fees page. Rates, terms, conditions, and product components are subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
2019-2021 Auto Loan	-	-	7.74%	72 Months
Details Advertised rates current as of 1/24/2026. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. Subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the fees page. Rates, terms, conditions, and product components are subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
2018 & older vehicles Auto Loan	-	-	8.24%	48 Months
Details Advertised rates current as of 1/24/2026. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. Subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the fees page. Rates, terms, conditions, and product components are subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
2018 & older vehicles Auto Loan	-	-	8.49%	60 Months
Details Advertised rates current as of 1/24/2026. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. Subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the fees page. Rates, terms, conditions, and product components are subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%

Miami University Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	7.99%	60 Months
Details Absolutely no prepayment penalties Competitive rates Fast credit approval** Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
New Motorcycle Loan	-	8.49%	72 Months
Details Absolutely no prepayment penalties Competitive rates Fast credit approval** Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
New Boat, Camper, or RV Loan	-	8.99%	60 Months
Details Borrow up to 100% of the full retail value plus tax and title on most qualifying vehicles Up to a 7-year repayment GAP insurance available for a super low $399 Absolutely no repayment penalties Competitive rates Fast credit approval Ask about our immediate loan decisioning Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Used Boat, Camper, or RV Loan	-	9.24%	60 Months
Details Borrow up to 100% of the full retail value plus tax and title on most qualifying vehicles Up to a 7-year repayment GAP insurance available for a super low $399 Absolutely no repayment penalties Competitive rates Fast credit approval Ask about our immediate loan decisioning Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
New Boat, Camper, or RV Loan	-	9.99%	120 Months
Details Borrow up to 100% of the full retail value plus tax and title on most qualifying vehicles Up to a 7-year repayment GAP insurance available for a super low $399 Absolutely no repayment penalties Competitive rates Fast credit approval Ask about our immediate loan decisioning Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Used Boat, Camper, or RV Loan	-	10.24%	120 Months
Details Borrow up to 100% of the full retail value plus tax and title on most qualifying vehicles Up to a 7-year repayment GAP insurance available for a super low $399 Absolutely no repayment penalties Competitive rates Fast credit approval Ask about our immediate loan decisioning Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Used Motorcycle Loan	-	10.99%	60 Months
Details Absolutely no prepayment penalties Competitive rates Fast credit approval** Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
New ATV Loan	-	11.24%	48 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Used ATV Loan	-	11.24%	48 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
New ATV Loan	-	11.99%	60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Used ATV Loan	-	11.99%	60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%

Miami University Community Federal Credit Union Credit Card Rates

Product	Rate	APR
Cash Rewards VISA Gold Card	-	12.95%
Details Earn up to 2% cash rewards on new purchases and cash advances*; Credit lines from $5,000 to $15,000; 25-day grace period on repayment of purchases; Special benefits for travel, including travel accident insurance (up to $250,000), baggage delay insurance, and auto rental insurance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Starter VISA	-	14.50%
Details for those looking to establish or rebuild credit; Available Credit Lines $500 - $5,000; Special benefits for travel, including travel accident insurance (up to $100,000), baggage delay insurance, and auto rental insurance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
VISA Classic Card	-	14.50%
Details Cash advance privileges in our office or at ATMs - with the same low 14.5% rate as purchases; Special benefits for travel, including travel accident insurance (up to $100,000), baggage delay insurance, and auto rental insurance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%

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

Miami University Community Federal Credit Union’s Texas Ratio rose from 2.18% in Q2 2023 to 5.41% in Q1 2026, so its financial health has weakened 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
March 31, 2026	$76M	5.41%	5.0	A+
December 31, 2025	$76M	2.14%	5.0	A+
September 30, 2025	$74M	2.27%	5.0	A+
June 30, 2025	$74M	2.35%	5.0	A+
March 31, 2025	$73M	3.81%	5.0	A+
December 31, 2024	$72M	1.27%	5.0	A+
September 30, 2024	$71M	1.56%	5.0	A+
June 30, 2024	$75M	1.14%	5.0	A+
March 31, 2024	$75M	1.22%	5.0	A+
December 31, 2023	$75M	1.95%	5.0	A+
September 30, 2023	$74M	2.24%	5.0	A+
June 30, 2023	$78M	2.18%	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 Miami University Community 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 Miami University Community 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 Miami University Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Miami University Community Federal Credit Union

Website https://www.muccu.org

Address 31 Lynn Ave, Oxford, OH 45056

Phone 513-523-8888

Fax 513-523-1718

President Bruce Guiot

CEO James Schultheiss

Full-Time Employees 13

Part-Time Employees 0

Branch Locations 3

ATM Locations 2

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

5.41%

Return on Assets (ROA)

0.1251%

Return on Equity (ROE)

0.9728%

Non-Performing Loans Ratio (NPL)

1.48%

Total Assets

76,012,385

Total Amount of Shares and Deposits

66,099,121

Total Shares and Deposits < 1 Year

59,227,474

Total Shares and Deposits 1 3 Years

6,003,620

Total Shares and Deposits > 3 Years

868,027

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

1,815,965

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

1,815,965

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

64,283,156

Total Interest Expense (Sum of items 6 8)

193,163

Share Certificates

584

Number of Accounts for Share Drafts

2,199

IRA KEOGH Accounts

111

Number of Accounts for Regular Shares

5,862

All other shares

716

Money Market Shares

217

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

94,594

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)

5,974,161

Total Liabilities

66,236,451

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Miami University Community Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Miami University Community Federal Credit Union

How many branches does Miami University Community Federal Credit Union operate?

Miami University Community 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 Miami University Community Federal Credit Union?

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

Does Miami University Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Miami University Community 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.muccu.org.