Keesler Federal Credit Union


Overview / Commentary
228-385-5500
2602 Pass Rd
Biloxi, MS 39531

Keesler Federal Credit Union is headquartered in Biloxi and is the largest credit union in the state of Mississippi. It is also the 89th largest credit union in the nation. It was established in 1947 and as of December of 2019, it had grown to 724 employees and 247,830 members at 34 locations. Keesler Federal Credit Union's money market rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Keesler Federal Credit Union is open to the residents of Alabama, Louisiana, and Mississippi by joining the American Cancer Society Cancer Action Network. Also eligible to join are those who live, work, worship, or attend school in the Mississippi counties of Forrest, Hancock, Harrison, or Pearl River. Those who live, work, worship, or attend school in certain census tracts in Hinds or Jackson Counties (MS), Mobile County (AL), or Orleans or St. Tammany Parishes (LA) also qualify for membership. Military members who can use the services at Keesler Air Force Base or at Royal Air Force Bases in the UK are eligible to join, as are employees of more than 300 Select Employee Groups.
See current membership details

Related Posts

Keesler Federal Credit Union Has Competitive Kasasa Cash Account - 5/23/2020

Keesler Federal Credit Union's (AL/LA/MS) Kasasa Cash account currently earns 3.00% APY on qualifying balances up to $25k. The Kasasa Saver earns 1.00% APY up to $150k.

Keesler 3% - $25K RCA - 5/20/2020

I think this might be new because I had not heard of it until I got an email about an hour ago. I am probably going to do it. Just in time as I have a small CD maturing on 5/26. Will wait until the first to send the money. We believe in rewarding our members. Our free Kasasa Cash® checking account refunds your ATM withdrawal fees nationwide*, has no monthly maintenance fee, AND pays you high dividends. That's a big win just for doing banking basics! • 3.00% APY* on balances up to $25,000 when qualifications are met • 0.05% APY* on all balances, even if qualifications are not met • No minimum balance to earn our rewards • No monthly maintenance fees — so your money stays with you (Limited membership now but many of us joined when it was open to all)

Keesler Fed Credit Union Step and Jumbo Step CDs Still Rate Leaders - 5/7/2020

Keesler Federal Credit Union (easy membership in AL, LA, and MS) 21-month and 30-month Step and Jumbo Step Certificates continue to be rate leaders.

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Anybody Home?

Posted by: |

I did not have problems joining Keesler from another state, which I did several months ago. Today, after a 15 minute wait, I talked to someone who took my info and said I may get a call back the next day but that I could keep trying today. 2nd attempt I was disconnected after 10 minutes and offered a survey to fill out regarding my experience. 3rd attempt they fixed the survey problem (I imagine it was tanking their survey results) and instead had a message saying they could not handle the call due to high call volume and advised to try later. I'm hoping they honor today's CD rates, which I'm trying to open, as I sent them a secure email asking them to open it. I may try again later today.
UPDATE:
They called me back few hours later and opened the CD at the rate. I imagine they give you the worst case amount of time and then try to pleasantly surprise you by being quick ... I was pleasantly surprised!

Friendly, Prompt, Professional Customer Service

Joined KFCU via American Cancer Society.
Took a few hours, a few emails and a few calls.
Within 6 hours all done.
Next day wired in $ to open step up CD
Total 24 hours from start to finish
Very impressed with their customer service
Step up CD at 3.20 APY for 30 months is great
Highly recommend

Quickly And Easily Opened 30Mo Step Jumbo

Posted by: |

I found KFCU to be easier than most local CUs to establish and fund accounts. Their online systems worked well and their representatives were reasonably fast to respond.

Joined Jan 21st
Eligibility : selected member of ACS CAN (Rep emailed form and they drafted $10 from my account).
Entered information/uploaded ID
Account was approved within minutes, pending final validation. Representative called next morning and account was funded from my checking account after verification of small deposits and I was given the account number (I did have to ask for the account number)
Wired the $ - No incoming wire fee! (wires received after 4:45 EST are not credited until next business day)
Must have rep set up the Step CD (can't do it on web site); they were quick, professional and hold times were reasonable.

Some confusion over STEP CD max of $250K. Still not sure if this is a real max or if the representative was guiding me to be within NCUA limit. I had 3 POD's on a joint account so not a problem exceeding the limits. Supervisor OK'd. Rep also mentioned LIMIT of 1 STEP CD per account.

Also, they emailed this morning reminding me to hurry and fund CD by Tuesday because rates (could) change on WEDNESDAYs!

edit: since I joined the wording has changed on eligibility to be restrictive to residents only:
"American Cancer Society Cancer Action Network – Residents of Louisiana and Mississippi Only"

Do NOT Deal With These People

Posted by: |

Warning: I had the worst experience ever with this credit union. Their website says you can join by becoming a member through joining a cancer organization. I went through the online application process and got an email that I was approved. Then someone called me and said I had to live in Mississippi to be a member and my application was canceled. I had disclosed my address in the application!
The kicker: they still went ahead with a hard credit pull AND they withdrew a $5 opening deposit from my checking account at another bank. What kind of operation do these folks run? It’s outrageous. I do NOT recommend anyone deal with this place. BEWARE!

VIEW MORE REVIEWS

Health
A+

Health Grade Components

Overall
NCUA #5561
Year Chartered1947
Employees724
Primary Regulator
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD7.2%
Annual Interest Income$116.7MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$3.04B$2.73B
LoansQ4 2019vs Q4 2018$2.41B$2.09B
DepositsQ4 2019vs Q4 2018$2.58B$2.31B
Equity CapitalQ4 2019vs Q4 2018$425.2MM$385.8MM
Loan Loss AllowanceQ4 2019vs Q4 2018$15.6MM$13.6MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$10.0MM$9.7MM
Real Estate OwnedQ4 2019vs Q4 2018$155.00K$132.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Keesler 3% - $25K RCA

  |  
I think this might be new because I had not heard of it until I got an email about an hour ago. I am probably going to do it. Just in time as I have a small CD maturing on 5/26. Will wait until the first to send the money.

We believe in rewarding our members. Our free Kasasa Cash® checking account refunds your ATM withdrawal fees nationwide*, has no monthly maintenance fee, AND pays you high dividends. That's a big win just for doing banking basics!

• 3.00% APY* on balances up to $25,000 when qualifications are met
• 0.05% APY* on all balances, even if qualifications are not met
• No minimum balance to earn our rewards
• No monthly maintenance fees — so your money stays with you

(Limited membership now but many of us joined when it was open to all)

American Cancer Soc Membership Not Enough To Join Keesler

  |  
I spoke to the bank this morning and joining that American Cancer organization is not enough to secure membership in Keesler FCU

Keesler Rate Drop 03/18/20

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Keesler dropped their rates significantly today. For example, the 30 month jumbo CD was 2.67% and now is 2.14%. A bit of trivia if you didn't already know, I was told by CSR that they update pricing every Wednesday. I also learned yesterday they will not open a CD and "hold the rate" until you can get your funds there. The funds need to be there in order to open a CD.

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

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Keesler Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%-$150kKasasa Saver
0.75%$25-IRA Savings
0.30%$5-Primary Share Savings
0.30%$1-Christmas Savings
0.30%--Alternative Share Savings

Keesler Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100k*-High Interest Money Market Account Plus - New Money
OTHER TIERS: 1.40% $2.5k - $50k | 1.45% $50k - $100k
0.50%*$100k*-High Interest Money Market Account
OTHER TIERS: 0.40% $2.5k - $50k | 0.45% $50k - $100k

Keesler Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*-$25Kasasa Cash
OTHER TIERS: 0.40% $25k+

Keesler Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.14%$100k-30 Month Jumbo Step CD
2.14%$100k-Business 30 Month Jumbo Step CD
2.04%$1k-30 Month Step CD
2.04%$1k-Business 30 Month Step CD
1.95%$100k-5 Year Jumbo CD
1.95%$100k-Business 5 Year Jumbo CD
1.87%$100k-21 Month Jumbo Step CD
1.87%$100k-Business 21 Month Jumbo Step CD
1.85%$1k-5 Year CD
1.85%$1k-Business 5 Year CD
1.77%$1k-21 Month Step CD
1.77%$1k-Business 21 Month Step CD
1.75%$100k-4 Year Jumbo CD
1.75%$100k-Business 4 Year Jumbo CD
1.65%$1k-4 Year CD
1.65%$1k-Business 4 Year CD
1.55%$100k-3 Year Jumbo CD
1.55%$100k-Business 3 Year Jumbo CD
1.50%$100k-3 Year Bump Rate Jumbo CD
1.50%$100k-Business 3 Year Bump Rate Jumbo CD
1.45%$1k-3 Year CD
1.45%$1k-Business 3 Year CD
1.40%$1k-3 Year Bump Rate CD
1.40%$1k-Business 3 Year Bump Rate CD
1.35%$100k-2 Year Jumbo CD
1.35%$100k-Business 2 Year Jumbo CD
1.25%$1k-2 Year CD
1.25%$1k-Business 2 Year CD
1.15%$100k-18 Month Jumbo CD
1.15%$100k-Business 18 Month Jumbo CD
1.10%$1k-19 Month CD
1.10%$1k-Business 19 Month CD
1.05%$1k-18 Month CD
1.05%$100k-1 Year Jumbo CD
1.05%$25-1 Year FirstStep CD
1.05%$25-Business 1 Year FirstStep CD
1.05%$100k-Business 1 Year Jumbo CD
1.05%$1k-Business 18 Month CD
1.00%$1k-15 Month CD
1.00%$1k-Business 15 Month CD
0.95%$1k-1 Year CD
0.95%$1k-Business 1 Year CD
0.75%$100k-9 Month Jumbo CD
0.75%$100k-Business 9 Month Jumbo CD
0.70%$100k-6 Month Jumbo CD
0.70%$100k-Business 6 Month Jumbo CD
0.65%$1k-9 Month CD
0.65%$100k-3 Month Jumbo CD
0.65%$100k-Business 3 Month Jumbo CD
0.65%$1k-Business 9 Month CD
0.60%$1k-6 Month CD
0.60%$1k-Business 6 Month CD
0.55%$1k-3 Month CD
0.55%$1k-Business 3 Month CD

Keesler Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.14%$100k-30 Month Jumbo Step IRA
2.04%$1k-30 Month Step IRA
1.95%$100k-5 Year Jumbo IRA
1.87%$100k-21 Month Jumbo Step IRA
1.85%$1k-5 Year IRA
1.77%$1k-21 Month Step IRA
1.75%$100k-4 Year Jumbo IRA
1.65%$1k-4 Year IRA
1.55%$100k-3 Year Jumbo IRA
1.50%$100k-3 Year Bump Rate Jumbo IRA
1.45%$1k-3 Year IRA
1.40%$1k-3 Year Bump Rate IRA
1.35%$100k-2 Year Jumbo IRA
1.25%$1k-2 Year IRA
1.15%$100k-18 Month Jumbo IRA
1.10%$1k-19 Month IRA
1.05%$1k-18 Month IRA
1.05%$100k-1 Year Jumbo IRA
1.00%$1k-15 Month IRA
0.95%$1k-1 Year IRA
0.75%$100k-9 Month Jumbo IRA
0.70%$100k-6 Month Jumbo IRA
0.65%$1k-9 Month IRA
0.65%$100k-3 Month Jumbo
0.60%$1k-6 Month IRA
0.55%$1k-3 Month IRA
Locations

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