What are the current interest rates at Materion Federal Credit Union?

Current rates for Materion Federal Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 3.00%, 24-Month CD: 3.25%, 60-Month CD: 4.00%, Savings: 0.10%, MMA: 0.75%

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Materion Federal Credit Union

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Materion Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Materion Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 4, 2026

Materion Federal Credit Union's 12 Month CD rates are at 4.00%, 60 Month CD rates are at 4.00%, 48 Month CD rates are at 3.75%, 36 Month CD rates are at 3.50%, 24 Month CD rates are at 3.25%. Materion Federal Credit Union's savings rates are at 0.10%. Materion Federal Credit Union's money market rates are at 0.75%. Materion Federal Credit Union's Personal Loan Rates are at 7.45%. MonitorBankRates evaluates the financial stability of Materion Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.47%. Rates last updated and verified on 09/04/2026.

Materion Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Materion Federal Credit Union? Share your experience about Materion Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Materion Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.47%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Materion Federal Credit Union
Main Office

14710 W Portage River South Rd
Elmore, OH 43416

https://www.materionfcu.com

Materion Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.94%	4.00%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
60 Month Certificate	3.95%	4.00%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
48 Month Certificate	3.70%	3.75%	48 Month
Min Deposit $500 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
36 Month Certificate	3.46%	3.50%	36 Month
Min Deposit $500 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
24 Month Certificate	3.21%	3.25%	24 Month
Min Deposit $500 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
18 Month Certificate	2.97%	3.00%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
6 Month Certificate	0.74%	0.75%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

Materion Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.20%	0.20%
Min Deposit $0 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Christmas Club	0.15%	0.15%
Min Deposit $0 Min Balance $0 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Holiday Savings Club	-	0.15%
Details Holiday Savings Club interest is compounded daily and paid annually. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Regular Savings	-	0.10%
Min Balance $100 Details Compounded Daily and Paid Quarterly Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Secondary Savings	0.10%	0.10%
Min Deposit $0 Min Balance $100 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

Materion Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.75%	1.75%
Min Deposit $2,500 Min Balance $75,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Money Market	1.50%	1.50%
Min Deposit $2,500 Min Balance $25,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Money Market	0.75%	0.75%
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

Materion Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	-	-	1.99%	60 months
Details Finance up to 125% of purchase price or collateral value, including tax & title. Monthly installments of $368.25 based on $20,000.00 loan amount over 60 months, 3.99%, 100% LTV. Fixed rate. No prepayment penalty. No Application Fee. As low as 1.99% APR* Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%
Vehicle Loan	-	-	1.99%	60 months
Details Finance up to 125% of purchase price or collateral value, including tax & title. Monthly installments of $372.78 based on $20,000.00 loan amount over 60 months, 4.49% 100% LTV. Fixed rate. No prepayment penalty. No Application Fee. As low as 1.99% APR* Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

Materion Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	7.45%	48 months
Details Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months. Rates and terms are determined by your credit qualifications and term. As low as 7.45% APR* Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.47%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Materion Federal Credit Union’s Texas Ratio stayed near 0.26% in Q2 2023 to 0.47% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$37M	0.47%	5.0	A+
December 31, 2025	$36M	0.85%	5.0	A+
September 30, 2025	$32M	0.27%	5.0	A+
June 30, 2025	$33M	0.55%	5.0	A+
March 31, 2025	$31M	0.54%	5.0	A+
December 31, 2024	$31M	0.24%	5.0	A+
September 30, 2024	$31M	0.50%	5.0	A+
June 30, 2024	$32M	0.21%	5.0	A+
March 31, 2024	$31M	0.00%	5.0	A+
December 31, 2023	$31M	0.24%	5.0	A+
September 30, 2023	$31M	0.07%	5.0	A+
June 30, 2023	$31M	0.26%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Materion Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Materion Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Materion Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Materion Federal Credit Union

Website https://www.materionfcu.com

Address 14710 W Portage River South Rd, Elmore, OH 43416

Phone 419-862-4115

Fax 419-862-4475

President Josh Seigley

CEO Tiffany Zinn

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.47%

Return on Assets (ROA)

0.0947%

Return on Equity (ROE)

0.6191%

Non-Performing Loans Ratio (NPL)

0.13%

Total Assets

36,791,999

Total Amount of Shares and Deposits

30,864,217

Total Shares and Deposits < 1 Year

26,573,102

Total Shares and Deposits 1 3 Years

3,087,616

Total Shares and Deposits > 3 Years

1,203,499

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

842,948

Total Uninsured Shares and Deposits > $250K (F+J)

842,948

Total Insured Shares and Deposits > $250K (item 17 less item K)

30,021,269

Total Interest Expense (Sum of items 6 8)

175,904

Share Certificates

465

Number of Accounts for Share Drafts

1,168

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,908

All other shares

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

34,848

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,868,379

Total Liabilities

31,162,995

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Materion Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Materion Federal Credit Union

How many branches does Materion Federal Credit Union operate?

Materion Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Materion Federal Credit Union?

Yes, to access services at Materion Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Materion Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Materion Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Materion Federal Credit Union offer online and mobile banking?

Most modern institutions like Materion Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.materionfcu.com.