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

Current rates for Mohave Community Federal Credit Union include: 12-Month CD: 3.25%, 24-Month CD: 2.02%, 60-Month CD: 1.51%, MMA: 1.26%

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Mohave Community Federal Credit Union

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Mohave Community Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mohave 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: October 9, 2026

Mohave Community Federal Credit Union's top rates as of October 9, 2026 are 3.72% APY on its 6 Month Term CD, and 1.26% APY on money market accounts, according to rates verified by MonitorBankRates. Other Mohave Community Federal Credit Union CD rates include 1 Year IRA Term CD at 3.51%, 6 Month Term CD at 3.51%, and 1 Year Term CD at 3.50%. MonitorBankRates evaluates the financial stability of Mohave Community Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.40%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 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

6.40%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Mohave Community Federal Credit Union
Kingman Office

2809 N Stockton Hill Rd
Kingman, AZ 86401-4139

https://mohavecommunityfcu.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.

Mohave Community Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Term Certificate	3.65%	3.72%	6 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.72% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
1 Year IRA Term Certificate	3.45%	3.51%	1 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
6 Month Term Certificate	3.45%	3.51%	6 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.72% → 3.51% ▼ 0.21 pts · high 3.72% / low 3.51% Oct 9, 20263.51%▼ from 3.72% Sep 14, 20263.72%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
1 Year Term Certificate	3.45%	3.50%	1 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
1 Year Term Certificate	3.20%	3.25%	1 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25% Oct 9, 20263.25%▼ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
2 Year Term Certificate	2.50%	2.53%	2 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
3 Year Term Certificate	2.50%	2.53%	3 year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
2 Year IRA Term Certificate	2.00%	2.02%	2 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
2 Year Term Certificate	2.00%	2.02%	2 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.02% ▼ 0.51 pts · high 2.53% / low 2.02% Oct 9, 20262.02%▼ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
3 Year IRA Term Certificate	2.00%	2.02%	3 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
3 Year Term Certificate	2.00%	2.02%	3 year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.02% ▼ 0.51 pts · high 2.53% / low 2.02% Oct 9, 20262.02%▼ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
4 Year Term Certificate	2.00%	2.02%	4 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5 Year Term Certificate	2.00%	2.02%	5 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
4 Year IRA Term Certificate	1.50%	1.51%	4 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
4 Year Term Certificate	1.50%	1.51%	4 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.02% → 1.51% ▼ 0.51 pts · high 2.02% / low 1.51% Oct 9, 20261.51%▼ from 2.02% Sep 14, 20262.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5 Year IRA Term Certificate	1.50%	1.51%	5 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5 Year Term Certificate	1.50%	1.51%	5 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.02% → 1.51% ▼ 0.51 pts · high 2.02% / low 1.51% Oct 9, 20261.51%▼ from 2.02% Sep 14, 20262.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Mohave Community Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Saver	1.25%	1.26%
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Money Market Saver	0.99%	1.00%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Money Market Saver	0.75%	0.75%
Min Balance $10,000 Details Balance: $10,000.00-$24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Money Market Saver	0.75%	0.75%
Min Balance $25,000 Details Balance: $25,000.00-$49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Money Market Saver	0.50%	0.50%
Min Balance $0 Details Balance: $0.00-$999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Money Market Saver	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000.00-$9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Holiday Club	0.35%	0.35%
Details Dividends calculate daily paid quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Vacation Club	0.20%	0.20%
Details Dividends calculated daily paid quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Mohave Community Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Saver	1.25%	1.26%
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Money Market Saver	0.99%	1.00%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Money Market Saver	0.75%	0.75%
Min Balance $10,000 Details Balance: $10,000.00-$24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Money Market Saver	0.75%	0.75%
Min Balance $25,000 Details Balance: $25,000.00-$49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Money Market Saver	0.50%	0.50%
Min Balance $0 Details Balance: $0.00-$999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Money Market Saver	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000.00-$9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Mohave Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
DBA Regular Shares	0.15%	-	0.15%
Details Dividends calculated daily, paid quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Regular IRA	0.50%	-	0.50%
Details Dividends calculated daily paid quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Regular Shares	0.15%	-	0.15%
Min Balance $50 Details Dividends calculated daily paid quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

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

Mohave Community Federal Credit Union’s Texas Ratio stayed near 6.23% in Q3 2023 to 6.40% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$61M	6.40%	5.0	A
March 31, 2026	$61M	6.06%	5.0	A
December 31, 2025	$60M	14.25%	5.0	A-
September 30, 2025	$61M	10.76%	5.0	A
June 30, 2025	$61M	10.54%	5.0	A
March 31, 2025	$60M	8.81%	5.0	A
December 31, 2024	$58M	12.05%	5.0	A
September 30, 2024	$58M	10.83%	5.0	A
June 30, 2024	$58M	9.58%	5.0	A
March 31, 2024	$59M	6.08%	5.0	A
December 31, 2023	$56M	9.70%	5.0	A
September 30, 2023	$57M	6.23%	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 Mohave 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 Mohave 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 Mohave Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mohave Community Federal Credit Union

Website https://mohavecommunityfcu.com

Address 2809 N Stockton Hill Rd, Kingman, AZ 86401-4139

Phone 928-753-8000

Fax 928-753-1441

President Heinz Kaleta

CEO Carol Roby

Full-Time Employees 15

Part-Time Employees 1

Branch Locations 1

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

6.40%

Return on Assets (ROA)

0.4589%

Return on Equity (ROE)

3.5720%

Non-Performing Loans Ratio (NPL)

1.81%

Total Assets

61,390,078

Total Amount of Shares and Deposits

53,855,993

Total Shares and Deposits < 1 Year

52,122,343

Total Shares and Deposits 1 3 Years

1,566,393

Total Shares and Deposits > 3 Years

167,257

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

3,593,447

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

3,593,447

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

50,262,546

Total Interest Expense (Sum of items 6 8)

174,487

Share Certificates

125

Number of Accounts for Share Drafts

1,701

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,639

Money Market Shares

113

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)

2,867,333

Total Liabilities

53,503,065

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Mohave Community Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Mohave Community Federal Credit Union

How many branches does Mohave Community Federal Credit Union operate?

Mohave 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 Mohave Community Federal Credit Union?

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

Does Mohave Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Mohave 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://mohavecommunityfcu.com.