What are the current interest rates at Municipal Employees Credit Union of Balt?

Current rates for Municipal Employees Credit Union of Balt include: 12-Month CD: 3.50%, 18-Month CD: 3.20%, 24-Month CD: 2.20%, 60-Month CD: 2.60%, Savings: 0.10%, MMA: 0.75%

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Municipal Employees Credit Union of Balt

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Municipal Employees Credit Union of Balt Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Municipal Employees Credit Union of Balt 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

Municipal Employees Credit Union of Balt's top rates as of October 9, 2026 are 4.20% APY on its 10 Month Regular CD, 0.10% APY on savings, 0.75% APY on money market accounts, 4.00% APY on checking, 5.12% on its 5/1 ARM mortgage, and personal loans from 10.24% APR, according to rates verified by MonitorBankRates. Other Municipal Employees Credit Union of Balt CD rates include 21 Month Regular CD at 4.00%, 12 Month Regular CD at 3.80%, and 6 Month Regular CD at 3.65%. Other Municipal Employees Credit Union of Balt mortgage rates include 10-year fixed rate at 5.75%, 10-year fixed rate at 6.00%, and 15-year fixed rate at 6.00%. MonitorBankRates evaluates the financial stability of Municipal Employees Credit Union of Balt with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.57%. Rates last updated and verified on 10/09/2026.

Municipal Employees Credit Union of Balt 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 Municipal Employees Credit Union of Balt? Share your experience about Municipal Employees Credit Union of Balt by leaving a review below, or read customer reviews before you decide to use Municipal Employees Credit Union of Balt.

Verified Healthy Q2 2026 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

7.57%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Municipal Employees Credit Union of Balt
Corporate Offices

1 South St
Baltimore, MD 21202

https://www.mecu.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.

Municipal Employees Credit Union of Balt CD Rates

Product	Rate	APY	Term
10 Month Regular CD	-	4.20%	10-month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
21 Month Regular CD	-	4.00%	21-month
Min Deposit $5,000 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
12 Month Regular CD	-	3.80%	12-month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
6 Month Regular CD	-	3.65%	6-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Oct 1, 20263.65%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
9 Month Regular CD	-	3.65%	9-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Oct 1, 20263.65%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
11 Month Certificate	-	3.50%	11 months
Min Deposit $5,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40% Oct 1, 20263.50%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
18 Month Regular CD	-	3.20%	18-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.20% ▲ 0.05 pts · high 3.20% / low 3.15% Oct 1, 20263.20%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
24 Month Regular CD	-	3.20%	24-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.20% ▲ 0.05 pts · high 3.20% / low 3.15% Oct 1, 20263.20%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
36 Month Regular CD	-	3.20%	36-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.20% ▲ 0.05 pts · high 3.20% / low 3.15% Oct 1, 20263.20%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
48 Month Regular CD	-	2.75%	48-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60% Oct 1, 20262.75%▲ from 2.60% Sep 14, 20262.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
60 Month Regular CD	-	2.75%	60-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60% Oct 1, 20262.75%▲ from 2.60% Sep 14, 20262.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
About Bump-Up CDs - 48-month	-	2.60%	48 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
About Bump-Up CDs - 60-month	-	2.60%	60 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
About Bump-Up CDs - 24-month	-	2.20%	24 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
About Bump-Up CDs - 36-month	-	2.20%	36 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

Municipal Employees Credit Union of Balt Savings Rates

Product	Rate	APY
RealSaver Account	-	1.00%
Min Deposit $5 Details Balance: Balances up to $20,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
RealSaver Account	-	0.15%
Min Deposit $5 Details Balance: Portion of balance over $20,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Holiday Savings	-	0.10%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Share Savings	-	0.10%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

Municipal Employees Credit Union of Balt Money Market Rates

Product	Rate	APY
Premier Money Market Account	-	0.75%
Min Deposit $50,000 Min Balance $500,000 Details Balance: $500,000 - $2,499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Premier Money Market Account	-	0.75%
Min Deposit $50,000 Min Balance $2,500,000 Details Balance: $2,500,000 or more Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Premier Money Market Account	-	0.55%
Min Deposit $50,000 Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Premier Money Market Account	-	0.55%
Min Deposit $50,000 Min Balance $150,000 Details Balance: $150,000 - $499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Money Market Account	-	0.40%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Premier Money Market Account	-	0.40%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Money Market Account	-	0.35%
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Money Market Account	-	0.30%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Money Market Account	-	0.30%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Premier Money Market Account	-	0.30%
Min Deposit $50,000 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Money Market Account	-	0.25%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Money Market Account	-	0.20%
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Premier Money Market Account	-	0.20%
Min Deposit $50,000 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

Municipal Employees Credit Union of Balt Checking Rates

Product	Rate	APY
RewardChecking Account	-	4.00%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 to $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
RewardChecking Account	-	0.15%
Min Deposit $25 Min Balance $10,000 Details Portion of balance $10,000.00 and over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Basic Checking Account	-	0.03%
Min Deposit $25 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

Municipal Employees Credit Union of Balt Mortgage Rates

Product	Rate	Points	APR	Term
5/1 ARM	-	-	5.125%
Details Adjustable Rate As Low As Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 5.13% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
10-year fixed rate	5.75%	1 Point Option	6.231%	10 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.23% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
10-year fixed rate	6.00%	0 Points Option	6.257%	10 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.26% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
15-year fixed rate	6.00%	1 Point Option	6.341%	15 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
15-year fixed rate	6.25%	0 Points Option	6.433%	15 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.43% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
10/1 ARM (adjustable rate)	5.875%	1 Point Option	6.462%	10 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.46% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
10/1 ARM (adjustable rate)	5.875%	1 point	6.462%	10/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.46% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
5/1 ARM (adjustable rate)	5.125%	1 Point Option	6.463%	5 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.46% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
5/1 ARM (adjustable rate)	5.125%	1 point	6.463%	5/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.46% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
5/1 ARM (adjustable rate)	5.375%	0 Points Option	6.466%	5 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.47% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
5/1 ARM (adjustable rate)	5.375%	0 points	6.466%	5/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.47% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
7/1 ARM (adjustable rate)	5.625%	1 Point Option	6.497%	7 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
7/1 ARM (adjustable rate)	5.625%	1 point	6.497%	7/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
7/1 ARM (adjustable rate)	5.875%	0 Points Option	6.529%	7 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.53% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
7/1 ARM (adjustable rate)	5.875%	0 points	6.529%	7/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.53% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
10/1 ARM (adjustable rate)	6.125%	0 Points Option	6.531%	10 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.53% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
10/1 ARM (adjustable rate)	6.125%	0 points	6.531%	10/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.53% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
20-year fixed rate	6.375%	1 Point Option	6.651%	20 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.65% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
3/1 ARM (adjustable rate)	5.375%	0 Points Option	6.691%	3 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
3/1 ARM (adjustable rate)	5.375%	0 points	6.691%	3/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
3/1 ARM (adjustable rate)	5.125%	1 Point Option	6.723%	3 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.72% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
3/1 ARM (adjustable rate)	5.125%	1 point	6.723%	3/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.72% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
20-year fixed rate	6.625%	0 Points Option	6.773%	20 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.77% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
30-year fixed rate	6.75%	1 Point Option	6.964%	30 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.96% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
30-year fixed rate	7.00%	0 Points Option	7.116%	30 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.12% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

Municipal Employees Credit Union of Balt Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Improvement Loan	-	-	5.49%	5-year fixed rate
Details Up to 80% Loan To Value Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Loan	5.49%	-	5.49%	5-year fixed rate
Details Up to 80% Loan To Value Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Improvement Loan	-	-	5.99%	10-year fixed rate
Details Up to 80% Loan To Value Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Loan	5.99%	-	5.99%	10-year fixed rate
Details Up to 80% Loan To Value Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Improvement Loan	-	-	6.49%	5-year fixed rate
Details 81% - 90% Loan To Value Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Loan	6.49%	-	6.49%	5-year fixed rate
Details 81% - 90% Loan To Value Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Improvement Loan	-	-	6.74%	15-year fixed rate
Details Up to 80% Loan To Value Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Loan	6.74%	-	6.74%	15-year fixed rate
Details Up to 80% Loan To Value Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Improvement Loan	-	-	6.99%	10-year fixed rate
Details 81% - 90% Loan To Value Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Loan	6.99%	-	6.99%	10-year fixed rate
Details 81% - 90% Loan To Value Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Improvement Loan	-	-	7.74%	15-year fixed rate
Details 81% - 90% Loan To Value Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Loan	7.74%	-	7.74%	15-year fixed rate
Details 81% - 90% Loan To Value Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

Municipal Employees Credit Union of Balt Auto Loan Rates

Product	Rate	Points	APR	Term
Auto-Build CD - 24 Month	2.50%	-	2.50%	24 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Auto-Build CD - 12 Month	2.80%	-	2.80%	12 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
New Auto Loans	-	-	4.74%	12 - 48 Months
Details With Direct Payment Discount Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
New Auto Loans	-	-	4.99%	49 - 60 Months
Details With Direct Payment Discount Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Used Auto Loans	-	-	4.99%	12 - 48 Months
Details With Direct Payment Discount Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
New Auto Loans	-	-	5.24%	61 - 72 Months
Details With Direct Payment Discount Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Used Auto Loans	-	-	5.24%	49 - 60 Months
Details With Direct Payment Discount Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Used Auto Loans	-	-	5.49%	61 - 72 Months
Details With Direct Payment Discount Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
New Auto Loans	-	-	5.99%	73 - 84 Months
Details With Direct Payment Discount Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Used Auto Loans	-	-	6.24%	73 - 84 Months
Details With Direct Payment Discount Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

Municipal Employees Credit Union of Balt RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	6.24%	12 - 36 Months
Details Additional APR listed for this product: 6.74%. With Direct Payment Discount Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 6.24% → 6.24% ▼ 0.00 pts · high 6.74% / low 6.24% Oct 1, 20266.24%▼ from 6.74% Sep 22, 20266.74%▲ from 6.24% Sep 18, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Motorcycle Loan	-	6.49%	37 - 48 Months
Details Additional APR listed for this product: 6.99%. With Direct Payment Discount Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 6.49% → 6.49% ▼ 0.00 pts · high 6.99% / low 6.49% Oct 1, 20266.49%▼ from 6.99% Sep 22, 20266.99%▲ from 6.49% Sep 18, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Motorcycle Loan	-	7.24%	49 - 60 Months
Details Additional APR listed for this product: 7.74%. With Direct Payment Discount Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 7.24% → 7.24% ▼ 0.00 pts · high 7.74% / low 7.24% Oct 1, 20267.24%▼ from 7.74% Sep 22, 20267.74%▲ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
New RV & Boat Loan	-	7.49%	Up to 180 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Motorcycle Loan	-	8.24%	61 - 84 Months
Details Additional APR listed for this product: 8.74%. With Direct Payment Discount Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 8.24% → 8.24% ▼ 0.00 pts · high 8.74% / low 8.24% Oct 1, 20268.24%▼ from 8.74% Sep 22, 20268.74%▲ from 8.24% Sep 18, 20268.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Used RV & Boat Loan	-	8.49%	Up to 180 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

Municipal Employees Credit Union of Balt Personal Loan Rates

Product	APR	Term
Personal Loan	10.24%	Up to 36 Months
Details ($500-$30,000*) Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Personal Loan	10.99%	37 - 48 Months
Details ($2,500-$30,000*) Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Personal Loan	11.49%	49 - 60 Months
Details ($5,000-$30,000*) Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Personal Line of Credit	12.74%
Details Draws up to credit limit permitted for as long as the account remains in good standing. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 12.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

Municipal Employees Credit Union of Balt Other Rates

Product	Rate	Points	APY/APR
Roth IRA Account	-	-	0.10%
Min Deposit $25 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Traditional IRA Account	-	-	0.10%
Min Deposit $25 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

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.
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Financial Health History

Municipal Employees Credit Union of Balt’s Texas Ratio rose from 6.86% in Q3 2023 to 7.57% 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	$1.3B	7.57%	5.0	A
March 31, 2026	$1.3B	6.01%	5.0	A
December 31, 2025	$1.3B	8.10%	5.0	A
September 30, 2025	$1.2B	10.68%	5.0	A
June 30, 2025	$1.3B	7.52%	5.0	A
March 31, 2025	$1.3B	7.02%	5.0	A
December 31, 2024	$1.3B	8.56%	5.0	A
September 30, 2024	$1.2B	8.43%	5.0	A
June 30, 2024	$1.3B	7.37%	5.0	A
March 31, 2024	$1.3B	8.91%	5.0	A
December 31, 2023	$1.3B	7.87%	5.0	A
September 30, 2023	$1.3B	6.86%	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 Municipal Employees Credit Union of Balt 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 Municipal Employees Credit Union of Balt 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 Municipal Employees Credit Union of Balt's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Municipal Employees Credit Union of Balt

Website https://www.mecu.com

Address 1 South St, Baltimore, MD 21202

Phone 410-752-8313

Fax 443-927-3804

President G. Louise Green

CEO John Hamilton

Full-Time Employees 271

Part-Time Employees 11

Branch Locations 9

ATM Locations 9

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

7.57%

Return on Assets (ROA)

0.1384%

Return on Equity (ROE)

1.0776%

Non-Performing Loans Ratio (NPL)

1.66%

Total Assets

1,268,004,644

Total Amount of Shares and Deposits

1,056,877,470

Total Shares and Deposits < 1 Year

1,010,311,336

Total Shares and Deposits 1 3 Years

37,395,791

Total Shares and Deposits > 3 Years

9,170,343

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

87,947,138

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

87,947,138

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

968,930,332

Total Interest Expense (Sum of items 6 8)

7,018,890

Share Certificates

10,126

Number of Accounts for Share Drafts

47,002

IRA KEOGH Accounts

3,261

Number of Accounts for Regular Shares

102,336

Non Member Deposits

Money Market Shares

1,688

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

1,754,571

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)

44,914,828

Total Liabilities

1,123,811,569

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Municipal Employees Credit Union of Balt earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Municipal Employees Credit Union of Balt

How many branches does Municipal Employees Credit Union of Balt operate?

Municipal Employees Credit Union of Balt 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 Municipal Employees Credit Union of Balt?

Yes, to access services at Municipal Employees Credit Union of Balt, 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, Municipal Employees Credit Union of Balt 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, Municipal Employees Credit Union of Balt provides members with tools to manage their accounts and build a solid financial history.

Does Municipal Employees Credit Union of Balt offer online and mobile banking?

Most modern institutions like Municipal Employees Credit Union of Balt 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.mecu.com.

Current Municipal Employees Credit Union of Balt Rates

12-Month CD3.50%
18-Month CD3.20%
24-Month CD2.20%
60-Month CD2.60%
Savings0.10%
MMA0.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Municipal Employees Credit Union of Balt Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Municipal Employees Credit Union of Balt Texas Ratio

Municipal Employees Credit Union of Balt Health Trend

Municipal Employees Credit Union of Balt CD Rates

Municipal Employees Credit Union of Balt Savings Rates

Municipal Employees Credit Union of Balt Money Market Rates

Municipal Employees Credit Union of Balt Checking Rates

Municipal Employees Credit Union of Balt Mortgage Rates

Municipal Employees Credit Union of Balt Home Equity & HELOC

Municipal Employees Credit Union of Balt Auto Loan Rates

Municipal Employees Credit Union of Balt RV, Boat and Powersport Loan Rates

Municipal Employees Credit Union of Balt Personal Loan Rates

Municipal Employees Credit Union of Balt Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Municipal Employees Credit Union of Balt earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Municipal Employees Credit Union of Balt

How many branches does Municipal Employees Credit Union of Balt operate?

Is a member application needed to join Municipal Employees Credit Union of Balt?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Municipal Employees Credit Union of Balt offer online and mobile banking?

Current Municipal Employees Credit Union of Balt Rates

Compare to Other Credit Unions