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Marine Federal Credit Union Rates & Review August 2026

Marine Federal Credit Union's 7-Month rates are at 3.92%, 18-Month rates are at 3.56%, 60-Month rates are at 3.51%, 48-Month rates are at 3.45%, 60-Month rates are at 3.45%. Marine Federal Credit Union's savings rates are at 0.10%. Marine Federal Credit Union's money market rates are at 0.55%. Marine Federal Credit Union's Personal Loan Rates are at 11.00%. Marine Federal Credit Union's Credit Card Rates are at 11.74%. MonitorBankRates evaluates the financial stability of Marine Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.94%. Rates last updated and verified on 08/28/2026.

Marine 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 Marine Federal Credit Union? Share your experience about Marine Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Marine Federal Credit Union.

Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.94%
Excellent Higher than avg
Marine Federal Credit Union
Corporate Headquarters Branch
4180 Western Blvd
Jacksonville, NC 28546 6740
https://marinefederalhb.org
Member NCUA

Marine Federal Credit Union CD Rates

Product Rate APY Term View More
7-Month 3.85% 3.92% 7-Month
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
18-Month 3.50% 3.56% 18-Month
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
60-Month 3.45% 3.51% 60-Month
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
48-Month 3.40% 3.45% 48-Month
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
60-Month 3.40% 3.45% 60-Month
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
60-Month IRA 3.40% 3.45% 60-Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
36-Month 3.35% 3.40% 36-Month
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
48-Month 3.35% 3.40% 48-Month
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
48-Month IRA 3.35% 3.40% 48-Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
36-Month 3.30% 3.35% 36-Month
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
36-Month IRA 3.30% 3.35% 36-Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
24-Month 3.25% 3.30% 24-Month
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
24-Month 3.20% 3.25% 24-Month
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
12-Month 3.10% 3.14% 12-Month
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
24-Month IRA 3.10% 3.14% 24-Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
12-Month 3.05% 3.09% 12-Month
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
12-Month IRA 3.05% 3.09% 12-Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
6-Month IRA 0.75% 0.75% 6-Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
91-Day Rainbow Add-On Share Certificate - 0.30% 91 days
Min Deposit $15
Details Additional deposits can be made at any time, but must be at least $5. The certificates automatically renew and are subject to a penalty for early withdrawal.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%

Marine Federal Credit Union Savings Rates

Product Rate APY View More
Secondary Savings, Christmas Club 0.10% 0.10%
Min Balance $5
Details Christmas Club maturity date is 11/1 of each calendar year, deposited to Primary Savings only.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Simply Smart Savings, Gunny, Little Gunny, Business, Organization 0.10% 0.10%
Min Deposit $5
Min Balance $5
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%

Marine Federal Credit Union Money Market Rates

Product Rate APY View More
Choice Money Market 4.00% 4.07%
Min Deposit $0
Min Balance $0
Details Limit of one per account. No Debit Card or Check access allowed. May be used for overdraft protection.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Choice Money Market 3.00% 3.04%
Min Deposit $0
Min Balance $3,000
Details Limit of one per account. No Debit Card or Check access allowed. May be used for overdraft protection.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Jumbo Money Market 3.00% 3.04%
Min Deposit $1,000,001
Min Balance $1,000,001
Details No check access allowed. Withdrawals are restricted.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Choice Money Market 2.00% 2.05%
Min Deposit $0
Min Balance $5,000
Details Limit of one per account. No Debit Card or Check access allowed. May be used for overdraft protection.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Jumbo Money Market 1.75% 1.76%
Min Deposit $500,000
Min Balance $500,000
Details No check access allowed. Withdrawals are restricted.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Jumbo Money Market 1.50% 1.51%
Min Deposit $100,000
Min Balance $100,000
Details No check access allowed. Withdrawals are restricted.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Choice Money Market 1.25% 1.26%
Min Deposit $0
Min Balance $10,000
Details Limit of one per account. No Debit Card or Check access allowed. May be used for overdraft protection.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Choice Money Market 0.75% 0.75%
Min Deposit $0
Min Balance $15,000
Details Limit of one per account. No Debit Card or Check access allowed. May be used for overdraft protection.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Money Market 0.75% 0.75%
Min Deposit $2,500
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Money Market 0.65% 0.65%
Min Deposit $2,500
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Choice Money Market 0.60% 0.60%
Min Deposit $0
Min Balance $25,000
Details Limit of one per account. No Debit Card or Check access allowed. May be used for overdraft protection.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Money Market 0.60% 0.60%
Min Deposit $2,500
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Money Market 0.55% 0.55%
Min Deposit $2,500
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%

Marine Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line Of Credit - - 6.75%
Details As low as; This APR will vary with the market based on The Wall Street Journal Prime Rate, but will not go below the floor rate of 3.50%. After a change to the Prime Rate, the new rate will be applied at the start of your next monthly billing cycle. Up to $300 paid towards closing costs. This product is only available in NC, VA, and SC.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Home Equity Line of Credit (HELOC) - - 6.75%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%

Marine Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Automobile - - 4.15%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Used Automobile - - 5.75%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%

Marine Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Value Purchase and Balance Transfers - 11.74%
Details Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Visa Platinum Rewards Purchase and Balance Transfers - 12.74%
Details Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Visa Signature Card Purchases and Balance Transfers - 15.74%
Details Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Visa Credit Builder Secured Purchases and Balance Transfers - 18.00%
Details Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%

Marine Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal Watercraft Loan - 11.00%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%
Personal Loan - 11.15%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.94%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Marine 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 Marine 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 Marine Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Marine Federal Credit Union
Address 4180 Western Blvd, Jacksonville, NC 28546 6740
Phone 910-577-7333
Fax 910-355-7872
President Chuck Collins
CEO Jeffrey Clark
Full-Time Employees 239
Part-Time Employees 12
Branch Locations 14
ATM Locations 14
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.94%
Return on Assets (ROA)
0.5029%
Return on Equity (ROE)
4.8384%
Non-Performing Loans Ratio (NPL)
1.20%
Total Assets
1,051,184,214
Total Amount of Shares and Deposits
927,855,200
Total Shares and Deposits < 1 Year
889,027,227
Total Shares and Deposits 1 3 Years
35,052,112
Total Shares and Deposits > 3 Years
3,775,861
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
79,543,746
Total Uninsured Shares and Deposits > $250K (F+J)
79,543,746
Total Insured Shares and Deposits > $250K (item 17 less item K)
848,311,454
Total Interest Expense (Sum of items 6 8)
10,421,555
Share Certificates
5,001
Number of Accounts for Share Drafts
38,355
IRA KEOGH Accounts
1,698
Number of Accounts for Regular Shares
91,004
All other shares
44
Non Member Deposits
73
Money Market Shares
11,106
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)
96,046,485
Total Liabilities
957,772,779
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About Marine Federal Credit Union

How many branches does Marine Federal Credit Union operate?

Marine 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 Marine Federal Credit Union?

Yes, to access services at Marine 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, Marine 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, Marine Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Marine Federal Credit Union offer online and mobile banking?

Most modern institutions like Marine 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://marinefederalhb.org.

Current Marine Federal Credit Union Rates

  • 12-Month CD3.09%
  • 18-Month CD3.56%
  • 24-Month CD3.14%
  • 60-Month CD3.45%
  • Savings0.10%
  • MMA0.55%
Retrieved from our database of financial products. Rates subject to change.