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 Merrimack Valley 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 3, 2026
Merrimack Valley Credit Union's 3 Month Premium rates are at 3.65%, 6 Month Premium rates are at 3.65%, 3 Month CD rates are at 3.55%, 5 Month CD rates are at 3.55%, 6 Month CD rates are at 3.55%. Merrimack Valley Credit Union's savings rates are at 0.10%. Merrimack Valley Credit Union's money market rates are at 0.25%. Merrimack Valley Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Merrimack Valley Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.40%. Rates last updated and verified on 09/03/2026. Merrimack Valley 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 Merrimack Valley Credit Union? Share your experience about Merrimack Valley Credit Union by leaving a review below, or read customer reviews before you decide to use Merrimack Valley Credit Union. Merrimack Valley Credit Union
BrightBridge Corporate Office 500 Merrimack St
https://www.mvcu.com Lawrence, MA 01843 
Merrimack Valley Credit Union CD Rates
Merrimack Valley Credit Union Savings Rates
Merrimack Valley Credit Union Money Market Rates
Merrimack Valley Credit Union Checking Rates
Merrimack Valley Credit Union Home Equity & HELOC
Merrimack Valley Credit Union Auto Loan Rates
Merrimack Valley Credit Union Personal Loan Rates
Financial Health HistoryMerrimack Valley Credit Union’s Texas Ratio rose from 1.65% in Q2 2023 to 4.40% 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
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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 Merrimack Valley 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 Merrimack Valley 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 Merrimack Valley Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Merrimack Valley Credit Union
Website
https://www.mvcu.com
Address
500 Merrimack St,
Lawrence, MA 01843
Phone
978-975-4095
Fax
978-685-3297
President
Domenic Mazzocco
CEO
John Howard
Full-Time Employees
331
Part-Time Employees
10
Branch Locations
31
ATM Locations
25
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.40%
Return on Assets (ROA)
0.1299%
Return on Equity (ROE)
1.2626%
Non-Performing Loans Ratio (NPL)
0.66%
Total Assets
2,392,816,939
Total Amount of Shares and Deposits
2,093,448,441
Total Shares and Deposits < 1 Year
2,051,250,300
Total Shares and Deposits 1 3 Years
39,266,170
Total Shares and Deposits > 3 Years
2,931,973
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
126,427,764
Total Uninsured Shares and Deposits > $250K (F+J)
126,427,764
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,967,020,677
Total Interest Expense (Sum of items 6 8)
9,184,565
Share Certificates
11,208
Number of Accounts for Share Drafts
71,601
IRA KEOGH Accounts
5,852
Number of Accounts for Regular Shares
150,746
All other shares
476
Non Member Deposits
18
Money Market Shares
1,349
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)
167,950,061
Total Liabilities
2,165,837,111
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Merrimack Valley Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Merrimack Valley Credit Union
Frequently Asked Questions About Merrimack Valley Credit UnionHow many branches does Merrimack Valley Credit Union operate?Merrimack Valley 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 Merrimack Valley Credit Union?Yes, to access services at Merrimack Valley 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, Merrimack Valley 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, Merrimack Valley Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Merrimack Valley Credit Union offer online and mobile banking?Most modern institutions like Merrimack Valley 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.mvcu.com. Current Merrimack Valley Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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