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 Mutual Savings Credit Union Hoover, AL Rates & Review October 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.
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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 and Verified: October 9, 2026
Mutual Savings Credit Union Hoover, AL's top rates as of October 9, 2026 are 4.00% APY on its 5 year Elite CD, 0.05% APY on savings, 3.50% APY on money market accounts, and 0.15% APY on checking, according to rates verified by MonitorBankRates. Other Mutual Savings Credit Union Hoover, AL CD rates include 5 Year Share/IRA CD (CD) at 4.00%, 3 Year Elite CD at 3.80%, and 3 Year Share/IRA CD (CD) at 3.80%. MonitorBankRates evaluates the financial stability of Mutual Savings Credit Union Hoover, AL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.18%. Rates last updated and verified on 10/09/2026. Mutual Savings Credit Union Hoover, AL 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 Savings Credit Union Hoover, AL? Share your experience about Mutual Savings Credit Union Hoover, AL by leaving a review below, or read customer reviews before you decide to use Mutual Savings Credit Union Hoover, AL. Mutual Savings Credit Union Hoover, AL
Valleydale 2040 Valleydale Rd
https://www.mutualsavings.org Hoover, AL 35244-2006  Customer Reviews
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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. Mutual Savings Credit Union Hoover, AL CD Rates
Mutual Savings Credit Union Hoover, AL Savings Rates
Mutual Savings Credit Union Hoover, AL Business Savings Rates
Mutual Savings Credit Union Hoover, AL Money Market Rates
Mutual Savings Credit Union Hoover, AL Business Money Market Rates
Mutual Savings Credit Union Hoover, AL Checking Rates
Mutual Savings Credit Union Hoover, AL Business Checking Rates
Financial Health HistoryMutual Savings Credit Union Hoover, AL’s Texas Ratio fell from 2.02% in Q3 2023 to 1.18% in Q2 2026, so its financial health has stayed very strong over the past 12 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Mutual Savings Credit Union Hoover, AL 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 Savings Credit Union Hoover, AL 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 Savings Credit Union Hoover, AL's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Mutual Savings Credit Union Hoover, AL
Website
https://www.mutualsavings.org
Address
2040 Valleydale Rd,
Hoover, AL 35244-2006
Phone
205-682-1100
Fax
205-682-1189
President
Allen Ritter
CEO
Kendall Speed
Full-Time Employees
73
Part-Time Employees
1
Branch Locations
7
ATM Locations
4
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.18%
Return on Assets (ROA)
0.1275%
Return on Equity (ROE)
1.4083%
Non-Performing Loans Ratio (NPL)
0.19%
Total Assets
242,812,460
Total Amount of Shares and Deposits
213,987,872
Total Shares and Deposits < 1 Year
209,886,483
Total Shares and Deposits 1 3 Years
3,264,652
Total Shares and Deposits > 3 Years
836,737
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
26,291,433
Total Uninsured Shares and Deposits > $250K (F+J)
26,291,433
Total Insured Shares and Deposits > $250K (item 17 less item K)
187,696,439
Total Interest Expense (Sum of items 6 8)
1,476,736
Share Certificates
2,143
Number of Accounts for Share Drafts
11,095
IRA KEOGH Accounts
573
Number of Accounts for Regular Shares
22,067
Money Market Shares
595
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)
23,848,158
Total Liabilities
225,833,822
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Mutual Savings Credit Union Hoover, ALHow many branches does Mutual Savings Credit Union Hoover, AL operate?Mutual Savings Credit Union Hoover, AL 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 Savings Credit Union Hoover, AL?Yes, to access services at Mutual Savings Credit Union Hoover, AL, 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 Savings Credit Union Hoover, AL 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 Savings Credit Union Hoover, AL provides members with tools to manage their accounts and build a solid financial history. Does Mutual Savings Credit Union Hoover, AL offer online and mobile banking?Most modern institutions like Mutual Savings Credit Union Hoover, AL 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.mutualsavings.org. Current Mutual Savings Credit Union Hoover, AL Rates
Retrieved from our database of financial products. Rates subject to change.
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