Marine Federal Credit Union

Overview / Commentary
4180 Western Blvd
Jacksonville, NC 28546

Marine Federal Credit Union is headquartered in Jacksonville and is the 10th largest credit union in the state of North Carolina. It is also the 452nd largest credit union in the nation. It was established in 1959 and as of March of 2024, it had grown to 239 employees and 81,779 members at 14 locations. Marine Federal Credit Union's money market rates are 12X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Marine Federal Credit Union is open to anyone through joining the Marine Corps Museum Support Association through the credit union ($25 contribution). Membership is also open to those who currently serve or are retired military personnel associated with MCB Camp Lejeune and MCAS New River, Jacksonville, North Carolina, and MCB Quantico, Virginia, including Department of Defense or Non-Appropriated Fund civilians. Also available to immediate family members of the military personnel eligible and to select business associates.
See current membership details

Reviews (6)

Great For Me

I've been member since 2000, some of the recent changes I don't like, but admit it is because I am much older, liked the real simplicity of the older setup online. However I have always been able to log on, only have had problem during storms and such; I've always been able to contact customer service quickly on the phone and have always had issues resolved quickly. I guess it depends on what you do and need, but they have met my needs for years.


Posted by: |

Denied for excessive Chex inquiries

Terrible - Use Any Other Bank.

Posted by: |

My rating is ZERO STARS. These jerks screwed up my automatic auto loan payment when I first bought my car. It caused three 30 day late payments in the first 6 months. Once we figured out what was wrong, they said it wouldn’t be charged against me. Apparently, the person who made the error didn’t tell their credit reporting team so they refused to fix my credit report. This is the ONLY bad mark on my credit report and it has followed me for 5 years now.

In addition to the late payments they created, they set the date for ‘Last Late Payment Date’ to the current month. So even though I’ve made EVERY payment on time (using my own payment scheduler) for 4.5 years, my report shows I made a late payment last month EVERY MONTH. They finally just removed their report completely from one credit bureau instead of fixing the ‘last late payment date’. So, I’ve lost 5 yrs of excellent payment history on my auto loan. It dropped my score even lower. JERKS!!

Lazy, rude, and evasive. No one will speak with me personally about the issue. I’ve tried calling, but I get transferred to a voice mailbox and never get a call back. The only communication they accept on the issue has to come from the credit bureaus. What???? It was their mistake that caused the error. They just keep denying it and I’m paying the price.

Marine Federal Credit Union Is Semper Garbage

This credit union has to be the poorest excuse for a credit union I have ever seen. The customer service is extremely awful. It takes you at least 10-15 mins. to get through to a local branch or their 1-800 number. The inside of every branch is ghetto. You'll see graffiti at the customer service desk. Definitely "D" team. To be associated using Marine in their name is shameful. I only became a member because I was a Marine.

Terrible Customer Service

This bank is awful. Terrible customer service, and it seems as if their system is down every other day. It took me THREE WEEKS to get in contact with someone about an auto loan, even after calling every day and leaving messages.

MFCU Is Garbage

Posted by: |

Terrible bank, their employees are snakes. Go with a different credit union.


Health Grade Components

NCUA #12977
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD10.32%
Annual Interest Income$13.8MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$986.4MM$949MM
LoansQ1 2024vs Q1 2023$690.4MM$675.3MM
DepositsQ1 2024vs Q1 2023$869.9MM$850.5MM
Equity CapitalQ1 2024vs Q1 2023$82.9MM$76.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$12.8MM$9.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$6.3MM$4.7MM
Real Estate OwnedQ1 2024vs Q1 2023$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.

Marine Federal Credit Union Savings Account Rates

0.25%$0-IRA Shares
0.25%$0-HSA Share - Individual
0.25%$0-HSA Share - Family
0.10%$5-Primary Savings
0.10%$5-Christmas Club
0.10%$5-Business Savings
0.10%$5-Organization Savings Share
0.10%$5-Secondary Savings
0.10%$0-Credit Builder Savings
0.10%$5-Gunny Savings
0.10%$5-Little Gunny Savings
0.10%$5-Simply Start Savings

Marine Federal Credit Union Money Market Rates

5.12%*$0$5kChoice Money Market
OTHER TIERS: 0.60% $25k+ | 0.75% $15k - $25k | 1.51% $10k - $15k | 2.27% $5k - $10k
2.02%*$500k*$1mJumbo Money Market
OTHER TIERS: 0.00% $1m+ | 1.76% $100k - $500k
0.85%*$50k*-Money Market Share
OTHER TIERS: 0.60% $2.5k - $10k | 0.65% $10k - $25k | 0.70% $25k - $50k

Marine Federal Credit Union CD Rates

4.86%$1k-13 Month Term Share Certificate
4.59%*$1$3k52 Week Challenge Share Certificate
OTHER TIERS: 0.25% $3k+
4.07%$1k-18 Month Term Share Certificate
3.51%*$100k*-60 Month Term Share Certificate
OTHER TIERS: 3.45% $1k - $100k
3.51%$250k-Hybrid 30 Month (One Bump Up) CD
3.45%*$100k*-48 Month Term Share Certificate
OTHER TIERS: 3.40% $1k - $100k
3.40%*$100k*-36 Month Term Share Certificate
OTHER TIERS: 3.35% $1k - $100k
3.30%*$100k*-24 Month Term Share Certificate
OTHER TIERS: 3.25% $1k - $100k
3.14%*$10k*-12 Month Term Share Certificate
OTHER TIERS: 3.09% $1k - $10k
0.75%$500-91 Day Term Share Certificate
0.75%$500-6 Month Term Share Certificate
0.30%$15-91 Day Little Gunny/Gunny Add-On Share Certificate

Marine Federal Credit Union IRA Rates

3.45%$500-60 Month IRA
3.40%$500-48 Month IRA
3.35%$500-36 Month IRA
3.14%$500-24 Month IRA
3.09%$500-12 Month IRA
0.75%$500-6 Month IRA


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