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Overview / Commentary
2602 Pass Rd
Biloxi, MS 39531-2728

Keesler Credit Union is headquartered in Biloxi and is the largest credit union in the state of Mississippi. It is also the 70th largest credit union in the nation. It was established in 1947 and as of March of 2014, it had grown to 407 employees and 190,158 members. Keesler Credit Union's savings rates are 44% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Keesler has many ways to join. Here are just of few of the ways you can join: Military or retired military who can use the services at Keesler Air Force Base or at Royal Air Force Bases in the UK; work at one of KFCU's 300 plus select employee groups; have a family member who’s a KFCU member; live, work, worship or attend school in Pearl River, Harrison or Hancock Counties or select census tracts in Jackson County, Mississippi. To find out if you are eligible for membership, call 1-888-533-7537. - See Details

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Noteworthy CD Rates at Keesler Federal Credit Union in Mississippi - 2/28/2014

The largest credit union in Mississippi Keesler Federal Credit Union is offering very competitive CD rates for terms from 2 years to 5 years. Its Jumbo share certificates have the highest rates. These ...

Reviews (1)

Trustworthy Credit Union

I have been a member of Keesler Federal Credit Union for over a decade. I have both an account with the Credit Union and a big bank, and I deal with Keesler whenever I can. Keesler is willing to give me loans and assistance that Big banks are not. Their rates are more reasonable. I find the receptionists much more friendly, too. Occasionally, their log-in web service goes down, but does not seem to stay down long. This glitch is why I rated them a 4 instead of a 5. Once logged in, I have no issues with the banking website. I plan on staying with Keesler for a long, long time.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Keesler Credit Union had $7.37 million in non-current loans and owned real-estate with $272.77 million in equity and loan loss allowances on hand to cover it. This gives Keesler Credit Union a Texas Ratio of 2.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Keesler Credit Union experienced no significant changes from 2.88% as of March 31, 2013 to 2.70% as of March 31, 2014, resulting in a positive change of 6.27%.This indicates that the balance sheet and financial strength for Keesler Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Keesler Credit Union has increased its total deposits by $37.28 million, resulting in 2.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Keesler Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Keesler Credit Union has $2.16 billion in assets with $272.77 million in equity, resulting in a capitalization level of 12.62%, which is excellent.

Institution Statistics

NCUA #5561
Year Chartered1947
Primary Regulator
Assets and Liabilities
Assets$2.16 billion
Loans$1.04 billion
Deposits$1.87 billion
Equity Capital$266.02 million
Loan Loss Allowance$6.75 million
Unbacked Noncurrent Loans$5.25 million
Real Estate Owned$2.12 million
Historic Data - March 2013
Assets$2.12 billion
Equity Capital$253.09 million
Loan Loss Allowance$6.83 million
Unbacked Noncurrent Loans$5.25 million
Real Estate Owned$1.77 million
Profit Margin - Quarterly
Return on Assets0.97%
Return on Equity7.91%
Interest Income$16.17 million

Always verify rates and promotions with the bank or credit union. We are not Keesler Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Keesler Credit Union Savings Account Rates

0.75%$25-IRA Savings
0.30%--Christmas Savings

Keesler Credit Union Money Market Rates

0.50%$100k-High Interest Money Market Account

Keesler Credit Union Checking Account Rates

1.40%-$25keAdvantage Checking - Qualifying
0.20%$2,500-Checking Account

Keesler Credit Union CD Rates

2.30%$100k-5 Year Jumbo CD
2.20%$1k-5 Year CD
2.00%$100k-4 Year Jumbo CD
1.90%$1k-4 Year CD
1.70%$100k-3 Year Jumbo CD
1.65%$100k-3 Year Bump Rate Jumbo CD
1.60%$1k-3 Year CD
1.55%$1k-3 Year Bump Rate CD
1.50%$100k-2 Year Jumbo CD
1.40%$1k-2 Year CD
1.10%$100k-18 Month Jumbo CD
1.05%$1k-19 Month CD
1.00%$1k-18 Month CD
1.00%$100k-1 Year Jumbo CD
0.95%$1k-15 Month CD
0.90%$1k-1 Year CD
0.90%$25-1 Year FirstStep CD
0.70%$100k-9 Month Jumbo CD
0.65%$100k-6 Month Jumbo CD
0.60%$1k-9 Month CD
0.60%$100k-3 Month Jumbo CD
0.55%$1k-6 Month CD
0.50%$1k-3 Month CD

Keesler Credit Union IRA Rates

2.30%$100k-5 Year Jumbo IRA
2.20%$1k-5 Year IRA
2.00%$100k-4 Year Jumbo IRA
1.90%$1k-4 Year IRA
1.70%$100k-3 Year Jumbo IRA
1.65%$100k-3 Year Bump Rate Jumbo IRA
1.60%$1k-3 Year IRA
1.55%$1k-3 Year Bump Rate IRA
1.50%$100k-2 Year Jumbo IRA
1.40%$1k-2 Year IRA
1.10%$100k-18 Month Jumbo IRA
1.05%$1k-19 Month IRA
1.00%$1k-18 Month IRA
1.00%$100k-1 Year Jumbo IRA
0.95%$1k-15 Month IRA
0.90%$1k-1 Year IRA
0.70%$100k-9 Month Jumbo IRA
0.65%$100k-6 Month Jumbo IRA
0.60%$1k-9 Month IRA
0.60%$100k-3 Month Jumbo
0.55%$1k-6 Month IRA
0.50%$1k-3 Month IRA

Keesler Credit Union has 20 locations. Click to view all Keesler Credit Union locations.