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Middletown Area Schools Credit Union

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Middletown Area Schools Credit Union Rates & Review May 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 5, 2026

You can compare Middletown Area Schools Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.93%, 6-month share certificate rates at 3.70% and 3-month share certificate rates at 0.20%. Savings rates are at 0.05% and money market rates are at 0.60%. Mortgage rates on 30-year fixed loans are around 6.07%. All these rates can be compared to Middletown Area Schools Credit Union rates. 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 05/05/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.59%

Excellent Lower than avg

Middletown Area Schools Credit Union
Main Office

1730 Central Ave
Middletown, OH 45044 4140

http://www.mascu.com/

Middletown Area Schools Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	12.96%
Details Standard rate Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

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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Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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

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

Customer Reviews

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Frequently Asked Questions About Middletown Area Schools Credit Union

Is 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/.