What are the current interest rates at Mutual Federal Credit Union?

Current rates for Mutual Federal Credit Union include: 12-Month CD: 0.35%, 18-Month CD: 0.40%, 24-Month CD: 0.50%, Savings: 0.25%, MMA: 0.40%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Mutual Federal Credit Union

iAdvertiser Disclosure

Mutual Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Mutual Federal Credit Union?

Yes, to access services at Mutual 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, Mutual 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

Mutual Federal Credit Union's 8 Month CD Specials rates are at 4.25%, 12 Month CD Specials rates are at 3.75%, 18 Month CD Specials rates are at 3.00%, 48 Month Business CDs rates are at 0.75%, 48 Month CDs rates are at 0.75%. Mutual Federal Credit Union's savings rates are at 0.25%. Mutual Federal Credit Union's money market rates are at 0.40%. Mutual Federal Credit Union's Personal Loan Rates are as low as 7.99%. MonitorBankRates evaluates the financial stability of Mutual Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.32%. Rates last updated and verified on 09/21/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.32%

Excellent Lower than avg

Health Trend

Very strong 11 quarters

Full history ›

Mutual Federal Credit Union
Mutual Credit Union

1604 Cherry St
Vicksburg, MS 39180

https://www.mutualcu.org

Mutual Federal Credit Union CD Rates

Product	Rate	APY	Term
8 Month Certificate Specials	-	4.25%	8 Month
Min Deposit $1,000 Min Balance $1,000 Details Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, 8 month and 12 month certificates are subject to a loss of 30 days interest, whether earned or not. All deposits are federally insured up to at least $250,000.00 by the NCUA. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Certificate Specials	-	3.75%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, 8 month and 12 month certificates are subject to a loss of 30 days interest, whether earned or not. All deposits are federally insured up to at least $250,000.00 by the NCUA. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
18 Month Certificate Specials	-	3.00%	18 Month
Min Deposit $1,000 Min Balance $1,000 Details Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 18 month, 24 month, and 30 month certificates are subject to a loss of 90 days interest, whether earned or not. All deposits are federally insured up to at least $250,000.00 by the NCUA. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Business Certificates	-	0.75%	48 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Certificates	-	0.75%	48 Month
Min Deposit $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month IRA Share Certificate	-	0.75%	48 Month
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Certificates - 48 Month	-	0.75%	48 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Business Certificates	-	0.70%	36 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Certificates	-	0.70%	36 Month
Min Deposit $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month IRA Share Certificate	-	0.70%	36 Month
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Certificates - 36 Month	-	0.70%	36 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
30 Month Business Certificates	-	0.60%	30 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
30 Month Certificates	-	0.60%	30 Month
Min Deposit $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
30 Month IRA Share Certificate	-	0.60%	30 Month
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Certificates - 30 Month	-	0.60%	30 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Business Certificates	-	0.50%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Certificates	-	0.50%	24 Month
Min Deposit $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month IRA Share Certificate	-	0.50%	24 Month
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Certificates - 24 Month	-	0.50%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
18 Month Business Certificates	-	0.40%	18 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
18 Month Certificates	-	0.40%	18 Month
Min Deposit $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
18 Month IRA Share Certificate	-	0.40%	18 Month
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Certificates - 18 Month	-	0.40%	18 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Business Certificates	-	0.35%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Certificates	-	0.35%	12 Month
Min Deposit $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month IRA Share Certificate	-	0.35%	12 Month
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Certificates - 12 Month	-	0.35%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
8 Month Certificates	-	0.25%	8 Month
Min Deposit $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Certificates - 8 Month	-	0.25%	8 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
3 Month Certificates	-	0.15%	3 Month
Min Deposit $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Business Certificates	-	0.15%	6 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Certificates	-	0.15%	6 Month
Min Deposit $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month IRA Share Certificate	-	0.15%	6 Month
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Certificates - 3 Month	-	0.15%	3 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Certificates - 6 Month	-	0.15%	6 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Mutual Federal Credit Union Savings Rates

Product	Rate	APY
Secondary Savings	-	0.25%
Min Deposit $10 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Share Savings	-	0.25%
Min Deposit $10 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Mutual Federal Credit Union Money Market Rates

Product	Rate	APY
Business Money Market Account	-	2.50%
Min Deposit $250,000 Details Balance: $250,000.00 & Greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Premier Money Market Account	-	2.50%
Min Deposit $250,000 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market Account	-	1.50%
Min Balance $150,000 Details Balance: $150,000 - $249,999.99; Balance: $150,000.00 - $249,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Premier Money Market Account	-	1.50%
Min Balance $150,000 Details Balance: $150,000 - $249,999.99; APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market Account (Tiered Rate Account)	-	0.40%
Min Balance $2,500 Details Balance: $2,500.00 - $149,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Account	-	0.40%
Min Deposit $2,500 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Premier Money Market Account (Tiered Rate Account)	-	0.40%
Min Balance $2,500 Details APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Mutual Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Vehicle Loans	-	-	3.99%	Up to 24 Months
Details Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Vehicle Loans	-	-	3.99%	Up to 36 Months
Details Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Vehicle Loans	-	-	4.19%	Up to 48 Months
Details Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Vehicle Loans	-	-	4.99%	Up to 60 Months
Details Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Vehicle Loans	-	-	5.89%	Up to 72 Months
Details Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Vehicle Loans	-	-	6.39%	Up to 84 Months
Details Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Mutual Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats (New & Used) and RVs (New & Used) - Up to 24 Months Loan	-	5.79%	Up to 24 Months
Details Rates are listed as low as and will vary based on credit qualifications and age of collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Motorcycles (New & Used) and ATVs (New & Used) Loan	-	5.79%	Up to 24 Months
Details Rates are listed as low as and will vary based on credit qualifications and age of collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boats (New & Used) and RVs (New & Used) - Up to 36 Months Loan	-	5.89%	Up to 36 Months
Details Rates are listed as low as and will vary based on credit qualifications and age of collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Motorcycles (New & Used) and ATVs (New & Used) Loan	-	5.89%	Up to 36 Months
Details Rates are listed as low as and will vary based on credit qualifications and age of collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boats (New & Used) and RVs (New & Used) - Up to 48 Months Loan	-	6.09%	Up to 48 Months
Details Rates are listed as low as and will vary based on credit qualifications and age of collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Motorcycles (New & Used) and ATVs (New & Used) Loan	-	6.09%	Up to 48 Months
Details Rates are listed as low as and will vary based on credit qualifications and age of collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boats (New & Used) and RVs (New & Used) - Up to 60 Months Loan	-	6.59%	Up to 60 Months
Details Rates are listed as low as and will vary based on credit qualifications and age of collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Motorcycles (New & Used) and ATVs (New & Used) Loan	-	6.59%	Up to 60 Months
Details Rates are listed as low as and will vary based on credit qualifications and age of collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boats (New & Used) and RVs (New & Used) - Up to 72 Months Loan	-	7.19%	Up to 72 Months
Details Rates are listed as low as and will vary based on credit qualifications and age of collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Motorcycles (New & Used) and ATVs (New & Used) Loan	-	7.19%	Up to 72 Months
Details Rates are listed as low as and will vary based on credit qualifications and age of collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Motorcycles (New & Used) and ATVs (New & Used) Loan	-	7.29%	Up to 84 Months
Details Rates are listed as low as and will vary based on credit qualifications and age of collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boats (New & Used) and RVs (New & Used) - Up to 84 Months Loan	-	7.39%	Up to 84 Months
Details Rates are listed as low as and will vary based on credit qualifications and age of collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boats (New & Used) and RVs (New & Used) - Up to 96 Months Loan	-	7.79%	Up to 96 Months
Details Rates are listed as low as and will vary based on credit qualifications and age of collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boats (New & Used) and RVs (New & Used) - Up to 120 Months Loan	-	7.99%	Up to 120 Months
Details Rates are listed as low as and will vary based on credit qualifications and age of collateral. Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Mutual Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Signature Loan	7.99%	Up to 72 Months
Details As Low As; Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Mutual Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
FlashCash Loan	-	-	28.00%	Up to 12 months
Details As Low As; Your rate may be different than the rate listed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Land Loan	-	-	8.49%	Up to 180 Months
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Mobile Home (New or Used) Loan	-	-	9.75%	Up to 120 Months
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Share Account	-	-	0.25%
Min Deposit $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
MY Investment Account	-	-	0.50%
Min Deposit $10 Details 0.25% on $5,000+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

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

Mutual Federal Credit Union’s Texas Ratio stayed near 3.77% in Q3 2023 to 3.32% in Q1 2026, so its financial health has stayed very strong over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$517M	3.32%	5.0	A+
December 31, 2025	$495M	4.18%	5.0	A+
September 30, 2025	$491M	2.94%	5.0	A+
June 30, 2025	$487M	3.83%	5.0	A+
March 31, 2025	$488M	3.46%	5.0	A+
December 31, 2024	$472M	4.42%	5.0	A+
September 30, 2024	$310M	5.19%	5.0	A+
June 30, 2024	$311M	4.01%	5.0	A+
March 31, 2024	$311M	2.99%	5.0	A+
December 31, 2023	$302M	3.70%	5.0	A+
September 30, 2023	$294M	3.77%	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 Mutual 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 Mutual 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 Mutual Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mutual Federal Credit Union

Website https://www.mutualcu.org

Address 1604 Cherry St, Vicksburg, MS 39180

Phone 601-636-7523

Fax 601-630-9035

President Jerry Dean

CEO Michael Mathews

Full-Time Employees 122

Part-Time Employees 5

Branch Locations 11

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.32%

Return on Assets (ROA)

0.3701%

Return on Equity (ROE)

2.7963%

Non-Performing Loans Ratio (NPL)

0.85%

Total Assets

517,301,408

Total Amount of Shares and Deposits

451,381,784

Total Shares and Deposits < 1 Year

449,678,132

Total Shares and Deposits 1 3 Years

1,616,639

Total Shares and Deposits > 3 Years

87,013

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

23,214,655

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

23,214,655

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

428,167,129

Total Interest Expense (Sum of items 6 8)

1,258,048

Share Certificates

2,546

Number of Accounts for Share Drafts

25,678

IRA KEOGH Accounts

609

Number of Accounts for Regular Shares

45,135

All other shares

353

Money Market Shares

1,558

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)

68,355,289

Total Liabilities

457,640,328

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Mutual Federal 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.

<a href="https://monitorbankrates.com/credit-unions/mutual-federal-credit-union-rates-review-24948">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Mutual 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 Mutual Federal Credit Union

Frequently Asked Questions About Mutual Federal Credit Union

How many branches does Mutual Federal Credit Union operate?

Mutual 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 Mutual Federal Credit Union?

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

Does Mutual Federal Credit Union offer online and mobile banking?

Most modern institutions like Mutual 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.mutualcu.org.

Current Mutual Federal Credit Union Rates

12-Month CD0.35%
18-Month CD0.40%
24-Month CD0.50%
Savings0.25%
MMA0.40%

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

Compare to Other Credit Unions

Mutual Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Mutual Federal Credit Union Texas Ratio

Mutual Federal Credit Union Health Trend

Mutual Federal Credit Union CD Rates

Mutual Federal Credit Union Savings Rates

Mutual Federal Credit Union Money Market Rates

Mutual Federal Credit Union Auto Loan Rates

Mutual Federal Credit Union RV, Boat and Powersport Loan Rates

Mutual Federal Credit Union Personal Loan Rates

Mutual Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Mutual Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Mutual Federal Credit Union

How many branches does Mutual Federal Credit Union operate?

Is a member application needed to join Mutual Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Mutual Federal Credit Union offer online and mobile banking?

Current Mutual Federal Credit Union Rates

Compare to Other Credit Unions