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Mill Town Credit Union

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Mill Town Credit Union Rates & Review July 2026

Q: How many branches does Mill Town Credit Union operate?

Mill Town 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.

Q: Is a member application needed to join Mill Town Credit Union?

Yes, to access services at Mill Town 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.

Q: Is there a first-time homebuyer program?

Currently, Mill Town 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mill Town 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 7, 2026

You can compare Mill Town Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.01%, 6-month share certificate rates at 3.00% and 3-month share certificate rates at 2.75%. Savings rates are at 0.15% and money market rates are at 0.71%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to Mill Town Credit Union rates. MonitorBankRates evaluates the financial stability of Mill Town Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.98%. Rates were last updated on 07/07/2026.

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

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.98%

Excellent Higher than avg

Mill Town Credit Union
Mill Town Credit Union

3102 Broadway
Everett, WA 98201 4421

https://www.milltowncu.org/

Current Rate Availability

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

Credit Union Profile & Overview

Credit Union Name Mill Town Credit Union

Website https://www.milltowncu.org/

Address 3102 Broadway, Everett, WA 98201 4421

Phone 425-252-5139

Fax 425-259-1361

President Kit Andreason

CEO Cindy Kyle

Full-Time Employees 11

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 (96/100)

Texas Ratio

7.98%

Return on Assets (ROA)

-0.1219%

Return on Equity (ROE)

-0.5424%

Non-Performing Loans Ratio (NPL)

2.23%

Total Assets

62,111,728

Total Amount of Shares and Deposits

47,997,596

Total Shares and Deposits < 1 Year

47,679,903

Total Shares and Deposits 1 3 Years

317,692

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

3,146,369

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

3,146,369

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

44,851,227

Total Interest Expense (Sum of items 6 8)

581,576

Share Certificates

294

Number of Accounts for Share Drafts

904

Number of Accounts for Regular Shares

3,121

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,521,341

Total Liabilities

48,252,981

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Mill Town 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Mill Town Credit Union

How many branches does Mill Town Credit Union operate?

Mill Town 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 Mill Town Credit Union?

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

Does Mill Town Credit Union offer online and mobile banking?

Most modern institutions like Mill Town 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.milltowncu.org/.