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Mutual Federal Savings Bank, A FSB

Deposits held and insured by First Bank Richmond

TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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 7/8/2025
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 7/8/2025
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 7/8/2025
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 7/8/2025
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 7/8/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
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.mutualfederal.com
937-498-1195
121 South Ohio Avenue
Sidney, OH 45365
Deposits held and insured by First Bank Richmond
Reviews

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Health
A

Data as of Q1 2025

Data displayed below is for insuring bank: First Bank Richmond
Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #28533
Year Established1887
Employees171
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD7.32%
Annual Interest Income$20.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.52B$1.48B
LoansQ1 2025vs Q1 2024$1.18B$1.12B
DepositsQ1 2025vs Q1 2024$1.11B$1.08B
Equity CapitalQ1 2025vs Q1 2024$121.3MM$116.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$16.1MM$15.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$7MM$6.9MM
Real Estate OwnedQ1 2025vs Q1 2024$37K$82K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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 7/8/2025
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 7/8/2025
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 7/8/2025
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 7/8/2025
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 7/8/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
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.

Mutual Federal Savings Bank, A FSB Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$0$1kFit Savings
OTHER TIERS: 0.25% → $1k+
0.25%$0-Statement Savings
0.20%$0-Kid's First savings
0.15%*$5k*-HSA Checking Account
OTHER TIERS: 0.05% → $0 - $500 | 0.10% → $500 - $5k

Mutual Federal Savings Bank, A FSB Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%*$1m*-Money Market Savings
OTHER TIERS: 1.01% → $0 - $100k | 2.02% → $100k - $1m

Mutual Federal Savings Bank, A FSB Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$1k-Modern Fit Checking
0.25%*$50k*-Classic Fit Checking
OTHER TIERS: 0.10% → $0 - $5k | 0.15% → $5k - $15k | 0.20% → $15k - $50k
0.20%*$10k*-Sole Proprietor Business Checking
OTHER TIERS: 0.10% → $500 - $5k | 0.15% → $5k - $10k
0.20%*$10k*-Community Companion Checking
OTHER TIERS: 0.10% → $500 - $5k | 0.15% → $5k - $10k
0.20%*$75k*-Mutual Business Select Plus Checking
OTHER TIERS: 0.10% → $25k - $50k | 0.15% → $50k - $75k

Mutual Federal Savings Bank, A FSB CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.21%$1k-15 Month CD Special
3.69%$1k-3 Month CD
3.69%$1k-6 Month CD
3.50%$1k-9 Month CD
3.35%$1k-2 Year CD
3.35%$1k-3 Year CD
3.30%$1k-18 Month CD
3.25%$1k-1 Year CD
3.25%$1k-4 Year CD
3.20%$1k-5 Year CD

Mutual Federal Savings Bank, A FSB IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.35%$1k-2 Year IRA
3.35%$1k-3 Year IRA
3.30%$1k-18 Month IRA
3.25%$1k-1 Year IRA
3.25%$1k-4 Year IRA
3.20%$1k-5 Year IRA
3.20%$1k-7 Year IRA
0.25%$100-IRA Statement Savings
Locations


Mutual Federal Savings Bank, A FSB Locations
Mutual Federal Savings Bank, A FSB121 South Ohio AvenueSidney, OH 45365
Piqua Branch138 N Sunset DrPiqua, OH 45356
Troy Branch1867 West Main StreetTroy, OH 45373
South A Street Motor Branch601 South A StreetRichmond, IN 47375
Sidney Branch2601 Michigan StSidney, OH 45365
Piqua Downtown126 W High StPiqua, OH 45356

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