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P.O. Box 7001
Biloxi, MS 39534

Keesler Credit Union is headquartered in Biloxi and is the largest credit union in the state of Mississippi. It is also the 69th largest credit union in the nation. It was established in 1947 and as of December of 2013, it had grown to 413 employees and 187,552 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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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Keesler Credit Union had $10.84 million in non-current loans and owned real-estate with $267.67 million in equity and loan loss allowances on hand to cover it. This gives Keesler Credit Union a Texas Ratio of 4.05% 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 3.40% as of December 31, 2012 to 4.05% as of December 31, 2013, resulting in a negative change of 19.24%. 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 $65.33 million, resulting in 3.68% 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 excellent.



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 $2.13 billion in assets with $267.67 million in equity, resulting in a capitalization level of 12.58%, which is excellent.

Institution Statistics

NCUA #5561
Year Chartered1947
Primary Regulator
Assets and Liabilities
Assets$2.13 billion
Loans$1.04 billion
Deposits$1.84 billion
Equity Capital$261.17 million
Loan Loss Allowance$6.50 million
Unbacked Noncurrent Loans$9.11 million
Real Estate Owned$1.73 million
Historic Data - December 2012
Assets$2.05 billion
Equity Capital$248.74 million
Loan Loss Allowance$7.45 million
Unbacked Noncurrent Loans$9.11 million
Real Estate Owned$1.59 million
Profit Margin - Quarterly
Net Interest Margin4.22%
Return on Assets1.21%
Return on Equity9.87%
Interest Income$62.72 million

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Keesler Credit Union Savings Account Rates

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

Keesler Credit Union Money Market Rates

0.50%$2,500-High Interest Money Market Account

Keesler Credit Union Checking Account Rates

1.40%-$25keAdvantage Checking
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
1.65%$100k-3 Year Bump Rate Jumbo CD
1.60%$100k-3 Year Jumbo CD
1.55%$1k-3 Year Bump Rate CD
1.50%$1k-3 Year CD
1.50%$100k-2 Year Jumbo CD
1.40%$1k-2 Year CD
0.95%$100k-18 Month Jumbo CD
0.90%$1k-19 Month CD
0.85%$1k-18 Month CD
0.85%$100k-1 Year Jumbo CD
0.80%$1k-15 Month CD
0.75%$1k-1 Year CD
0.75%$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
1.65%$100k-3 Year Bump Rate Jumbo IRA
1.60%$100k-3 Year Jumbo IRA
1.55%$1k-3 Year Bump Rate IRA
1.50%$1k-3 Year IRA
1.50%$100k-2 Year Jumbo IRA
1.40%$1k-2 Year IRA
0.95%$100k-18 Month Jumbo IRA
0.90%$1k-19 Month IRA
0.85%$1k-18 Month IRA
0.85%$100k-1 Year Jumbo IRA
0.80%$1k-15 Month IRA
0.75%$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 19 locations. Click to view all Keesler Credit Union locations.