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Advertiser Disclosure
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 Middletown Area Schools Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 27, 2026
Middletown Area Schools Credit Union's 24-Month CDs rates are at 4.00%, 12-Month CDs rates are at 2.00%. MonitorBankRates evaluates the financial stability of Middletown Area Schools Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.59%. Rates were last updated on 03/27/2026. Middletown Area Schools 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 Middletown Area Schools Credit Union? Share your experience about Middletown Area Schools Credit Union by leaving a review below, or read customer reviews before you decide to use Middletown Area Schools Credit Union. Middletown Area Schools Credit Union
Main Office 1730 Central Ave
http://www.mascu.com/ Middletown, OH 45044 4140 
Middletown Area Schools Credit Union CD Rates
Middletown Area Schools Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Middletown Area Schools 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 Middletown Area Schools 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 Middletown Area Schools Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Middletown Area Schools Credit Union
Website
http://www.mascu.com/
Address
1730 Central Ave,
Middletown, OH 45044 4140
Phone
513-422-2392
Fax
513-422-1143
President
Martha Morgan
CEO
Jamie Herron
Full-Time Employees
3
Part-Time Employees
2
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.59%
Return on Assets (ROA)
0.9034%
Return on Equity (ROE)
6.1891%
Non-Performing Loans Ratio (NPL)
0.37%
Total Assets
10,750,846
Total Amount of Shares and Deposits
9,180,318
Total Shares and Deposits < 1 Year
8,527,208
Total Shares and Deposits 1 3 Years
653,111
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
259,021
Total Uninsured Shares and Deposits > $250K (F+J)
259,021
Total Insured Shares and Deposits > $250K (item 17 less item K)
8,921,297
Total Interest Expense (Sum of items 6 8)
14,653
Share Certificates
45
Number of Accounts for Share Drafts
462
Number of Accounts for Regular Shares
1,182
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,036,309
Total Liabilities
9,201,268
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Middletown Area Schools Credit UnionIs Middletown Area Schools Credit Union a safe place to deposit money?Yes, Middletown Area Schools Credit Union is considered a safe financial institution. With a Texas Ratio of 1.5917744407378%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Middletown Area Schools Credit Union operate?Middletown Area Schools 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 Middletown Area Schools Credit Union?Yes, to access services at Middletown Area Schools 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, Middletown Area Schools 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, Middletown Area Schools Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Middletown Area Schools Credit Union offer online and mobile banking?Most modern institutions like Middletown Area Schools 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: http://www.mascu.com/. Current Middletown Area Schools Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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