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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Mosaic Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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 18, 2026
Mosaic Federal Credit Union's Personal Loan Rates are at 4.50%. MonitorBankRates evaluates the financial stability of Mosaic Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.59%. Rates were last updated on 04/18/2026. Mosaic 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 Mosaic Federal Credit Union? Share your experience about Mosaic Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mosaic Federal Credit Union. Mosaic Federal Credit Union
Mosaic Federal Credit Union 31 S Carlton St
https://www.mosaicfcu.org Harrisonburg, VA 22801 4324 
Mosaic Federal Credit Union Savings Rates
Mosaic Federal Credit Union Auto Loan Rates
Mosaic Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Mosaic 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 Mosaic 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 Mosaic Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Mosaic Federal Credit Union
Website
https://www.mosaicfcu.org
Address
31 S Carlton St,
Harrisonburg, VA 22801 4324
Phone
540-564-6080
Fax
540-564-6084
President
David Hughes
CEO
Marisela Henriquez
Full-Time Employees
5
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
12.59%
Return on Assets (ROA)
-0.2184%
Return on Equity (ROE)
-2.4089%
Non-Performing Loans Ratio (NPL)
1.53%
Total Assets
8,687,531
Total Amount of Shares and Deposits
7,968,143
Total Shares and Deposits < 1 Year
7,968,143
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,968,143
Total Interest Expense (Sum of items 6 8)
1,986
Number of Accounts for Share Drafts
1,298
Number of Accounts for Regular Shares
3,123
All other shares
304
Net Income (unless the amount is already included in Undivided Earnings)
-19,276
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,181,711
Total Liabilities
7,979,849
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Mosaic Federal Credit UnionIs Mosaic Federal Credit Union a safe place to deposit money?Yes, Mosaic Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 12.586423593038%, 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 Mosaic Federal Credit Union operate?Mosaic 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 Mosaic Federal Credit Union?Yes, to access services at Mosaic 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, Mosaic 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, Mosaic Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Mosaic Federal Credit Union offer online and mobile banking?Most modern institutions like Mosaic 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.mosaicfcu.org. Compare to Other Credit Unions
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