Keesler Federal Credit Union


Overview / Commentary
888-533-7537
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 105th largest credit union in the nation. It was established in 1947 and as of March of 2025, it had grown to 775 employees and 334,770 members at 43 locations. Keesler Federal Credit Union's money market rates are 9X 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, Pearl River, Harrison, Hancock, Copiah, Holmes, Lincoln, Madison, Rankin, Simpson, Warren or Yazoo. Those who live, work, worship, or attend school in certain census tracts in Hinds or Jackson Counties (MS), Mobile County (AL), or Jefferson, Orleans, Plaquemines, St. Bernard, St. Charles, St. James, St. John the Baptist and 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

Reviews (7)

This Is A Military Credit Union? More Like A ??

I recently retired from the US Navy and had issues receiving retired military pay and VA disability benefits due to the back log of the military processing paperwork. I called a few creditors to have holds/deferrals placed on payments for a credit card and a couple loans until I began receiving my pay and was employed again. This was no issue with other creditors and most of them gave me a 90 day window of deferring payments. When I contacted KFCU they required a credit check for whatever stupid reason? The loan was in good standing and I had never been late on a payment. I have also been a KFCU customer for over 10 years but I guess KFCU is to big to care about that anymore. So I waited a couple of weeks and heard nothing from KFCU. I called in and they then informed me I was denied toe payment deferral because I could not show any future income. This being a factor is one of the dumbest things I have ever heard. I asking for a deferral because my retirement and benefits have not processed so of course I can't prove any future income. I just wanted to THANK KFCU for supporting a transitioning Veteran during a difficult time. I will do my best to ensure any military members avoid KFCU.

The Absolute, WORST, Banking Experience EVER

Posted by: |

This bank has caused me so much emotional distress and embarrassment, I’ve had enough. When I became a member, certain things were not fully disclosed in my member packet that would have allowed me to make the best decision when choosing banks. This last incident in which it was out of my control and I was totally unaware of, I was penalized because of an error my job made, and once again I’m told no we can’t help. When I ask for information to write to their corporate office I’m given the run around. If you can help it, Run to another bank.

Check Image Feature Not Working

I have been trying to download a check image since July 11, 2022 and print it out to no avail. I finally got a copy emailed to me from customer service, but I have been doing it myself from home for the past 10 years or so. THe service has been out since before JUly 2022 and I can't seem to get an answer as to when the feature will be working again. I like to download and print out certain "cancelled" checks every month to show proof of payment for my records, from the privacy of my residents and not bother KFCU employee about it. Surely there is a reason why the check image feature is not working properly? I Have been a loyal customer for about ten years of longer, never had over drafts, never had a bounced check, always paid my loans off, etc. So, why such bad service, with no "explanation"? can't seem to find out "WHY" the check image feature no longer works? Seems to me that KFCU would notify its customers of any impending feature changes instead of just leave them hanging.....Poor customer service to say the least...

AWFUL - STAY AWAY

Posted by: |

Applied for a new acct online after donating to cancer society. Rec'd a notice that i would get a call from customer svc in 48hrs. No call... checked status a week later - pending. 2 weeks later checked status...pending. I sent them email asking if there was an issue and no one has contacted me. No reply. 1 month later, no calls, application still pending and no response to the 3 emails i sent inquiring into the delay. My last email, 45 days after application, I told them to cancel my request as there is no way in h--- I am going to deposit a penny of my money into a bank that cannot open a new account, respond to active emails or communicate with a potential customer. I have never heard one word from this so called "credit union". BE VERY WARY OF THIS BANK

Unprofessional Service

Walked into local bank to pay off and close a credit card. Payed off balance and representative informed us the credit card was closed. We continued to get various charges which we were unable to verify because our online access was revoked. Called in to inquiry about charges and rep could not give a clear answer. I reported the charges as fraud but after following up into the case three times, I had to start the case over with each phone call because no one had made any progress into the investigation. Finally got sick of dealing with it and just payed off the remaining charges to be done. Called in to request a 0 balance statement and they said I had another late charge, which was not true because the payment due date was 4 May and the check I post marked for 25 Apr. Overall, very unprofessional service. Get receipts and verifications on everything because they have some serious quality standard issues.

Hidden Fees

I had a car loan with them. The terms were 3 years payment. I played over 2 years of payments and the loan was for $10,000 I still owed over $8,000. After over 2 years of payments. Unreal.

Policies, Procedures, And CS Are POOR

Posted by: |

Keesler is VERY difficult to do business with, even after you have established accounts. Any new CD or product requires NEW ACCOUNT handling as if you have never opened an account with them before.

AND, they continue over and over to demonstrate poor customer service and failed processes to follow instructions. The customer is left to bird-dog the entire process.

They have good rates, but it is NOT WORTH IT at KEESLER. Just please be advised before you try to do business with them.



Health
A+

Health Grade Components

Overall
NCUA #5561
Year Chartered1947
Employees775
Primary Regulator
Profit Margin
Return on Assets - YTD1.45%
Return on Equity - YTD11.88%
Annual Interest Income$55.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$4.33B$4.1B
LoansQ1 2025vs Q1 2024$3.19B$3.11B
DepositsQ1 2025vs Q1 2024$3.35B$3.16B
Equity CapitalQ1 2025vs Q1 2024$519.6MM$451.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$72.7MM$72.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$23.4MM$28.8MM
Real Estate OwnedQ1 2025vs Q1 2024$0$125K
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%*$0$150kChecking Saver
OTHER TIERS: 0.40% $150k+
0.30%$1-Christmas Savings
0.20%*$5k*-Primary Share Savings
OTHER TIERS: 0.15% $5 - $5k
0.20%*$5k*-Alternative Share Savings
OTHER TIERS: 0.15% $0 - $5k

Keesler Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$0-HIMMA Premier High Interest Money Market Account - New Money (First 6 Month)
0.40%*$100k*-High Interest Money Market Account
OTHER TIERS: 0.30% $2.5k - $50k | 0.35% $50k - $100k

Keesler Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$25kChecking Plus
OTHER TIERS: 0.50% $25k+

Keesler Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-18 Month CD
4.00%$100k-18 Month Jumbo CD
3.00%$100-1 Year CD
3.00%$100k-1 Year Jumbo CD
2.25%$0$150k15 Month CD
1.45%$100k-5 Year Jumbo CD
1.35%$1k-5 Year CD
1.20%$100k-4 Year Jumbo CD
1.10%$1k-4 Year CD
1.05%$25-1 Year FirstStep CD
0.95%$100k-2 Year Jumbo CD
0.95%$100k-3 Year Bump Rate Jumbo CD
0.90%$100k-3 Year Jumbo CD
0.85%$1k-2 Year CD
0.85%$1k-3 Year Bump Rate CD
0.80%$1k-3 Year CD
0.75%$1k-19 Month CD
0.50%$100k-9 Month Jumbo CD
0.45%$100k-6 Month Jumbo CD
0.40%$1k-9 Month CD
0.35%$1k-6 Month CD
0.35%$100k-3 Month Jumbo CD

Keesler Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-18 Month IRA
4.00%$100k-18 Month Jumbo IRA
3.00%$100-1 Year IRA
3.00%$100k-1 Year Jumbo IRA
2.25%$0$150k15 Month IRA
1.45%$100k-5 Year Jumbo IRA
1.35%$1k-5 Year IRA
1.20%$100k-4 Year Jumbo IRA
1.10%$1k-4 Year IRA
0.95%$100k-2 Year Jumbo IRA
0.95%$100k-3 Year Bump Rate Jumbo IRA
0.90%$100k-3 Year Jumbo IRA
0.85%$1k-2 Year IRA
0.85%$1k-3 Year Bump Rate IRA
0.80%$1k-3 Year IRA
0.75%$1k-19 Month IRA
0.65%$0-IRA Savings
0.50%$100k-9 Month Jumbo IRA
0.45%$100k-6 Month Jumbo IRA
0.40%$1k-9 Month IRA
0.35%$1k-6 Month IRA
0.35%$100k-3 Month Jumbo IRA
Locations

Availability



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