Keesler Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.15% | 5-year CD | 2.27% - National Average |
| 1.90% | 4-year CD | 1.99% - National Average |
| 1.60% | 3-year CD | 1.87% - National Average |
Keesler Federal Credit Union is headquartered in Biloxi and is the largest credit union in the state of Mississippi. It is also the 91st largest credit union in the nation. It was established in 1947 and as of December of 2018, it had grown to 628 employees and 228,773 members at 18 locations. Keesler Federal Credit Union's CD rates are 28% higher than the national average, and it boasts an A+ health rating.
Field of Membership Restrictions
Membership in Keesler Federal Credit Union is open to the following: (1) those who live, work, attend school or worship in Harrison, Pearl River, Hancock, Hinds or select areas of Jackson County; (2) active duty military or contractor stationed in Keesler Air Force Base or Stennis Space Center; (3) reservists or retired military using the facilities in Keesler Air Force Base; (4) members of John C. Stennis Chapter of the Air Force Association, Mississippi Gulf Coast Retired Officers Association, and other select area associations; (5) employees of the Federal Bureau of Investigation working in Gulfport or Pascagoula and other Select Employer Groups.
See current membership details
Related Posts
Great Credit Union
I've been a member of my local Credit Union for many years, and my experience with them can only be described as excellent. I never even remotely consider changing banks. Now, I don't have a lot of money to rate them on money investments or anything like that, but I know that I can have only $5.00 dollars there for years on my savings or checking and they won't charge me any penalties or fees for that. They offer coin machines for members, which motivates me to keep a piggy bank that I deposit on my savings every year, and I think that's great. In addition, they offer free notary for members and I needed to use their notary services at least twice last year.`Honestly, though, what amazed me the most about my local Credit Union was how simple it was to manage my account and have access to my money while I was overseas. I informed my manager that I would be travelling all over Europe for 6 months and I NEVER had a problem with that. I could transfer money from my savings account to my checking account online and use my debit (not credit) card to access my money pretty much anywhere; even in Poland! I thought it was funny that basically all my friends had trouble with their fancy banks, and I never had one ounce of a problem with my local Credit Union, so I intent to remain a faithful customer.
5 stars for KFCU!
I would not change banks if someone paid me money to do it. I love Keesler Federal Credit Union. Their customer service is amazing and always friendly and ready to assist you in any way they can. I have taken out a loan with KFCU in the past, and I have a savings/checking account with them. I have never had a problem with my account other than one time when I had fraudulent charges on my checking account. When I reported it, KFCU took action quickly and refunded my account within 2 business days. They have waived late fees and overdraft fees for me, as a courtesy, as long as I do not abuse the privilege. They even have a kids club that my kids love because KFCU makes it fun and gives them prizes when they deposit money into their bank accounts!
7 Month 5% Deal Was Very Good For Me
They did not lose any of my paperwork and the free wire out after the CD matured was nice. Initially I had a problem getting them to open the CD prior to my check clearing but finally they did.
I feel like I should probably open a small follow up deal...19 month at 3% just in case 19 months from now they have a follow on deal for holders of the prior promo. (Where I could presumably add more money)
Most of their CSR reps are very friendly.
Inconsistent CS And Field Of Membership
TLDR-inconsistent application criteria applied and lost or mis-placed my membership paperwork twice and failed to follow written instructions. Late in 2017, I attempted to join based on my current military service, which is posted on KFCU’s website as a basis for membership. KFCU declined my application b/o an unstated additional requirement that I also needed to live within their geographic area of service. (No mention of any other way I could qualify for membership.) In Aug 2018, KFCU had a 5% CD and there were reports on this website of KFCU allowing membership with no geo restriction as long as you donated to a cancer society/became a member of ACS CAN. So I contributed and joined. When the CD was nearing maturity, I emailed KFCU to confirm receipt of maturity instructions. Initially KFCU confirmed receipt, but then recalled that message and said they did not have my membership application, which I had previously mailed. KFCU also implied that I would have difficulty with my maturing CD if I did not re-supply the documentation. So I sent in a new membership application and had it notarized as instructed. Today my CD matured and it was rolled over at some ridiculous interest rate contrary to my written instructions. My conclusion is that KFCU is not really interested in serving their field of membership, as posted on its website, and adapts it to fit their needs. It’s success with the 5% CD led them to cut corners, fail to document items properly, and overwehlm their CS reps, who are generally very nice and helpful. I blame management for my bad experience and will be filing a complaint with NCUA.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 5561 |
| Year Chartered | 1947 |
| Employees | 628 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.11% |
| Return on Equity - YTD | 7.78% |
| Annual Interest Income | $96.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $2.73B$2.57B |
| Loans | Q4 2018vs Q4 2017 | $2.09B$1.69B |
| Deposits | Q4 2018vs Q4 2017 | $2.31B$2.17B |
| Equity Capital | Q4 2018vs Q4 2017 | $385.8MM$361.5MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $13.6MM$10.8MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $9.7MM$9.5MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $132.00K$640.00K |
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 New Promotion
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.75% | $25 | - | IRA Savings | ||
| 0.30%* | $5k* | - | Savings | ||
| OTHER TIERS: 0.25% → Up to $5k | |||||
| 0.30% | $1 | - | Christmas Savings | ||
Keesler Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.40% | - | $25k | eAdvantage Checking - Qualifying | ||
| 0.20%* | $2.5k* | - | Ultimate Checking | ||
| OTHER TIERS: 0.15% → Up to $2.5k | |||||
Keesler Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.15% | $100k | - | 5 Year Jumbo CD | |
| 2.05% | $1k | - | 5 Year CD | |
| 1.90% | $100k | - | 4 Year Jumbo CD | |
| 1.80% | $1k | - | 4 Year CD | |
| 1.65% | $100k | - | 3 Year Jumbo CD | |
| 1.60% | $100k | - | 3 Year Bump Rate Jumbo CD | |
| 1.55% | $1k | - | 3 Year CD | |
| 1.50% | $1k | - | 3 Year Bump Rate CD | |
| 1.45% | $100k | - | 2 Year Jumbo CD | |
| 1.35% | $1k | - | 2 Year CD | |
| 1.30% | $100k | - | 18 Month Jumbo CD | |
| 1.20% | $1k | - | 18 Month CD | |
| 1.15% | $100k | - | 1 Year Jumbo CD | |
| 1.10% | $1k | - | 15 Month CD | |
| 1.10% | $1k | - | 19 Month CD | |
| 1.05% | $1k | - | 1 Year CD | |
| 1.05% | $25 | - | 1 Year FirstStep CD | |
| 0.75% | $100k | - | 9 Month Jumbo CD | |
| 0.70% | $100k | - | 6 Month Jumbo CD | |
| 0.65% | $1k | - | 9 Month CD | |
| 0.65% | $100k | - | 3 Month Jumbo CD | |
| 0.60% | $1k | - | 6 Month CD | |
| 0.55% | $1k | - | 3 Month CD |
Keesler Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.15% | $100k | - | 5 Year Jumbo IRA | |
| 2.05% | $1k | - | 5 Year IRA | |
| 1.90% | $100k | - | 4 Year Jumbo IRA | |
| 1.80% | $1k | - | 4 Year IRA | |
| 1.65% | $100k | - | 3 Year Jumbo IRA | |
| 1.60% | $100k | - | 3 Year Bump Rate Jumbo IRA | |
| 1.55% | $1k | - | 3 Year IRA | |
| 1.50% | $1k | - | 3 Year Bump Rate IRA | |
| 1.45% | $100k | - | 2 Year Jumbo IRA | |
| 1.35% | $1k | - | 2 Year IRA | |
| 1.30% | $100k | - | 18 Month Jumbo IRA | |
| 1.20% | $1k | - | 18 Month IRA | |
| 1.15% | $100k | - | 1 Year Jumbo IRA | |
| 1.10% | $1k | - | 15 Month IRA | |
| 1.10% | $1k | - | 19 Month IRA | |
| 1.05% | $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 |
