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Muskegon Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.muskfedcu.com
231-722-7285
65 W LAKETON AVE
Muskegon, MI 49441-2575

Muskegon Federal Credit Union is headquartered in MUSKEGON and is the 124th largest credit union in the state of Michigan. It is also the 2,055th largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 13 employees and 5,021 members at 2 locations. Muskegon Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Muskegon Federal Credit Union is open to those who live, work, worship, or attend school in Muskegon County, Michigan. Immediate family members of a current membership are also eligible to join.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters
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. Muskegon Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #7509
Year Chartered1951
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD4.29%
Annual Interest Income$799K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$77.7MM$72.7MM
LoansQ1 2025vs Q1 2024$29.3MM$28MM
DepositsQ1 2025vs Q1 2024$68.9MM$63.9MM
Equity CapitalQ1 2025vs Q1 2024$8.4MM$7.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$230K$137K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$43K$25K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Muskegon Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%*$50k*-Tiered Hi-Yield Account
OTHER TIERS: 1.26% → $2k - $20k | 1.51% → $20k - $50k
0.10%$0-Christmas Clubs Account
0.10%$0-Shares Savings Account

Muskegon Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$500-1 Year Share Certificate
3.80%$100-1 Year Youth Share Certificate
3.55%$500-5 Year Share Certificate
3.29%$500-6 Month Share Certificate
3.29%$500-2 Year Share Certificate
3.29%$500-3 Year Share Certificate
3.29%$500-4 Year Share Certificate

Muskegon Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$500-1 Year IRA
3.55%$500-5 Year IRA
3.29%$500-6 Month IRA
3.29%$500-2 Year IRA
3.29%$500-3 Year IRA
3.29%$500-4 Year IRA
0.10%$0-IRAs
Locations


Muskegon Federal Credit Union Locations
Branch Office1700 HOLTON RDMUSKEGON, MI 49445-1472
Branch Office65 W LAKETON AVEMUSKEGON, MI 49441

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