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 Mississippi Highway Safety Patol Federal Credit Union Rates & Review September 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 and Verified: September 14, 2026
Mississippi Highway Safety Patol Federal Credit Union's Regular CD - 6 month rates are at 3.03%, Regular CD - 12 month rates are at 2.78%, Regular CD - 48 month rates are at 2.37%, Regular CD - 36 month rates are at 2.27%, Regular CD - 24 month rates are at 2.01%. Mississippi Highway Safety Patol Federal Credit Union's Personal Loan Rates are as low as 8.75%. MonitorBankRates evaluates the financial stability of Mississippi Highway Safety Patol Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.93%. Rates last updated and verified on 09/14/2026. Mississippi Highway Safety Patol 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 Mississippi Highway Safety Patol Federal Credit Union? Share your experience about Mississippi Highway Safety Patol Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mississippi Highway Safety Patol Federal Credit Union. Mississippi Highway Safety Patol Federal Credit Union
MS Highway Safety Patrol FCU 209 Allen Stuart Dr.
https://www.mhspfcu.com Pearl, MS 392089 
Mississippi Highway Safety Patol Federal Credit Union CD Rates
Mississippi Highway Safety Patol Federal Credit Union Auto Loan Rates
Mississippi Highway Safety Patol Federal Credit Union RV, Boat and Powersport Loan Rates
Mississippi Highway Safety Patol Federal Credit Union Personal Loan Rates
Mississippi Highway Safety Patol Federal Credit Union Other Rates
Financial Health HistoryMississippi Highway Safety Patol Federal Credit Union’s Texas Ratio rose from 0.18% in Q2 2023 to 7.93% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Mississippi Highway Safety Patol 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 Mississippi Highway Safety Patol 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 Mississippi Highway Safety Patol Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Mississippi Highway Safety Patol Federal Credit Union
Website
https://www.mhspfcu.com
Address
209 Allen Stuart Dr.,
Pearl, MS 392089
Phone
601-987-1290
Fax
601-987-1294
President
Gregory Caston
CEO
Ashley Warren
Full-Time Employees
2
Part-Time Employees
0
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 (96/100)
Texas Ratio
7.93%
Return on Assets (ROA)
0.5741%
Return on Equity (ROE)
2.0456%
Non-Performing Loans Ratio (NPL)
3.93%
Total Assets
13,090,721
Total Amount of Shares and Deposits
9,356,604
Total Shares and Deposits < 1 Year
9,245,682
Total Shares and Deposits 1 3 Years
110,921
Total Insured Shares and Deposits > $250K (item 17 less item K)
9,356,604
Total Interest Expense (Sum of items 6 8)
15,289
Share Certificates
36
Number of Accounts for Share Drafts
253
IRA KEOGH Accounts
20
Number of Accounts for Regular Shares
1,394
All other shares
132
Net Income (unless the amount is already included in Undivided Earnings)
75,159
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)
2,805,811
Total Liabilities
9,416,632
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Mississippi Highway Safety Patol Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Mississippi Highway Safety Patol Federal Credit Union
Frequently Asked Questions About Mississippi Highway Safety Patol Federal Credit UnionHow many branches does Mississippi Highway Safety Patol Federal Credit Union operate?Mississippi Highway Safety Patol 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 Mississippi Highway Safety Patol Federal Credit Union?Yes, to access services at Mississippi Highway Safety Patol 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, Mississippi Highway Safety Patol 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, Mississippi Highway Safety Patol Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Mississippi Highway Safety Patol Federal Credit Union offer online and mobile banking?Most modern institutions like Mississippi Highway Safety Patol 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.mhspfcu.com. Current Mississippi Highway Safety Patol Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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