Mutual Federal Savings Bank, A FSB

Deposits held and insured by First Bank Richmond

Overview | Eligibility Requirements | Receive alerts for this bank

TODAY'S FEATURED RATES

Member FDIC

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

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

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

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

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

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Health

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 Established	1887
Employees	171
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.58%
Return on Equity - YTD	7.32%
Annual Interest Income	$20.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.52B$1.48B
Loans	Q1 2025vs Q1 2024	$1.18B$1.12B
Deposits	Q1 2025vs Q1 2024	$1.11B$1.08B
Equity Capital	Q1 2025vs Q1 2024	$121.3MM$116.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$16.1MM$15.8MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$7MM$6.9MM
Real Estate Owned	Q1 2025vs Q1 2024	$37K$82K

TODAY'S FEATURED RATES

Member FDIC

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

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

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

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

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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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$0	$1k	Fit 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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 FSB	121 South Ohio Avenue	Sidney, OH 45365
Piqua Branch	138 N Sunset Dr	Piqua, OH 45356
Troy Branch	1867 West Main Street	Troy, OH 45373
South A Street Motor Branch	601 South A Street	Richmond, IN 47375
Sidney Branch	2601 Michigan St	Sidney, OH 45365
Piqua Downtown	126 W High St	Piqua, OH 45356

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