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Mosaic Federal Credit Union

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Mosaic Federal Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Mosaic Federal Credit Union's Personal Loan Rates are as low as 15.00%. Mosaic Federal Credit Union's Credit Card Rates are at 9.90%. 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 15.32%. Rates last updated and verified on 09/21/2026.

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.

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

15.32%

Good Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Mosaic Federal Credit Union
Mosaic Federal Credit Union

31 S Carlton St
Harrisonburg, VA 22801-4324

https://www.mosaicfcu.org

Mosaic Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club Account	0.05%	0.05%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.32%
Regular Share Account	0.05%	0.05%
Min Balance $25 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.32%
Vacation Club Account	0.05%	0.05%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.32%

Mosaic Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026	5.25%	-	5.25%	up to 6 yrs
Details Published APR range: 5.25% - 11.25%; Published rate range: 5.25% - 11.25%. Model Year: 2025-2026 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.32%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026	6.25%	-	6.25%	up to 7 yrs
Details Published APR range: 6.25% - 13.25%; Published rate range: 6.25% - 13.25%. Model Year: 2025-2026 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.32%
Auto Loan Special (Feb 14 - Jun 30) - Used Autos model year 2020-2024 (100% NADA value)	6.25%	-	6.25%	up to 6 yrs
Details Published APR range: 6.25% - 14.25%; Published rate range: 6.25% - 14.25%. Model Year: 2020-2024 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.32%
Auto Loan Special (Feb 14 - Jun 30) - Used Autos model year 2013-2019 (80% to 100% NADA value based on credit)	6.95%	-	6.95%	up to 4 yrs
Details Published APR range: 6.95% - 14.95%; Published rate range: 6.95% - 14.95%. Model Year: 2013-2019 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.32%

Mosaic Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum VISA	-	9.90%
Details Published APR range: 9.9% - 15.9%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.32%

Mosaic Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Signature Loans	15.00%	up to 3 years
Details Published APR range: 15%-18%; Published rate range: 15%-18%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.32%

Mosaic Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Credit Builder Loan	18.00%	-	18.00%	6 Months Maximum
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.32%

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

Mosaic Federal Credit Union’s Texas Ratio fell from 19.06% in Q2 2023 to 15.32% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.7 to 5.0 and its Health Grade from B+ to A-. 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
March 31, 2026	$9M	15.32%	5.0	A-
December 31, 2025	$9M	15.80%	4.9	A-
September 30, 2025	$9M	11.57%	5.0	A
June 30, 2025	$9M	9.79%	5.0	A
March 31, 2025	$9M	10.09%	5.0	A
December 31, 2024	$9M	11.90%	5.0	A
September 30, 2024	$10M	8.45%	5.0	A
June 30, 2024	$11M	10.01%	5.0	A
March 31, 2024	$11M	17.43%	4.8	B+
December 31, 2023	$11M	21.16%	4.5	B
September 30, 2023	$11M	22.49%	4.4	B-
June 30, 2023	$12M	19.06%	4.7	B+

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 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

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (92/100)

Texas Ratio

15.32%

Return on Assets (ROA)

-0.0829%

Return on Equity (ROE)

-1.0328%

Non-Performing Loans Ratio (NPL)

1.86%

Total Assets

9,088,526

Total Amount of Shares and Deposits

8,380,793

Total Shares and Deposits < 1 Year

8,380,793

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

172,100

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

172,100

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

8,208,693

Total Interest Expense (Sum of items 6 8)

654

Number of Accounts for Share Drafts

1,268

Number of Accounts for Regular Shares

3,143

All other shares

308

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

-7,536

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)

1,693,699

Total Liabilities

8,398,290

Source: NCUA — Last Updated 03/31/2026

Customer Reviews

There are no reviews for Mosaic Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Mosaic Federal Credit Union

Frequently Asked Questions About Mosaic Federal Credit Union

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.