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Overview / Commentary
10 Holden St Suite 6
Malden, MA 02148

Malden Federal Credit Union is headquartered in Malden and is the 92nd largest credit union in the state of Massachusetts. It is also the 3,168th largest credit union in the nation. It was established in 1941 and as of December of 2017, it had grown to 4 employees and 1,793 members at 1 location. Malden Federal Credit Union's CD rates are 51% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Malden Federal Credit Union is open to employees of the Malden School Department, Mystic Valley Advantage Regional Charter School, Sacred Heart Parish/Cheverus School, Partnership for Community Schools, Malden Catholic High, Catholic Charities who work in Malden, Pope John XXIII High School who work in Everett, the City of Malden, or Malden Housing Authority.
See current membership details

Reviews (1)

A Great CU

Posted by: jimmyO | Mar 31, 2014

This CU has been wonderful for me. The staff is freindly and always helpful. They helped me with an auto loan, and the process was painless. I highly recommend the Malden Teachers' Credit Union.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Malden Federal Credit Union has a low asset base.

Health Grade Components

NCUA #4472
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD1.93%
Annual Interest Income$654.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$24.0MM$24.0MM
LoansQ4 2017vs Q4 2016$11.6MM$12.0MM
DepositsQ4 2017vs Q4 2016$19.8MM$19.8MM
Equity CapitalQ4 2017vs Q4 2016$4.3MM$4.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$68.00K$71.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$2.00K$0
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Malden Federal Credit Union Savings Account Rates

0.40%--IRA Share
0.10%$25-Regular Share
0.10%$25-Summer Account
0.10%$25-Holiday Club Account
0.10%$25-Optional Share

Malden Federal Credit Union Money Market Rates

0.40%*$75k*-Money Market
OTHER TIERS: 0.15% $2,500 - $10k | 0.30% $10k - $75k

Malden Federal Credit Union CD Rates

1.66%$500-36 Month CD
1.51%$500-24 Month CD
1.36%$500-12 Month CD
0.65%$500-6 Month CD

Malden Federal Credit Union IRA Rates

1.66%$500-36 Month IRA

Malden Federal Credit Union Locations
Branch Office10 Holden St Suite 6Malden, MA 02148