Mississippi Highway Safety Patol Federal Credit Union
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Mississippi Highway Safety Patol Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
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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.
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: October 13, 2026
Mississippi Highway Safety Patol Federal Credit Union's top rates as of October 13, 2026 are 3.03% APY on its Regular CD - 6 month, personal loans from 8.75% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other Mississippi Highway Safety Patol Federal Credit Union CD rates include CD - 12 month at 2.78%, CD - 48 month at 2.37%, and CD - 36 month at 2.27%. 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 12.43%. Rates last updated and verified on 10/13/2026.
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 has earned an overall safety grade of A (Excellent, Score: 94/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Mississippi Highway Safety Patol Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
12.43%
ExcellentHigher than avg
Mississippi Highway Safety Patol Federal Credit Union Texas Ratio
Mississippi Highway Safety Patol Federal Credit Union's Texas Ratio is 12.43%, which is considered excellent and is higher than the national average of 6.13%.
Mississippi Highway Safety Patol Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Mississippi Highway Safety Patol Federal Credit Union Health Trend
0.63% to 12.43% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Mississippi Highway Safety Patol Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Regular Share Certificate - 6 month
3.00%
3.03%
6 Months
DetailsCompounding Freq.: Quarterly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.43%
Share Certificate - 12 month
2.75%
2.78%
12 Months
DetailsCompounding Freq.: Quarterly
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 2.78% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.43%
Share Certificate - 48 month
2.35%
2.37%
48 Months
DetailsCompounding Freq.: Quarterly
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 2.37% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.43%
Share Certificate - 36 month
2.25%
2.27%
36 Months
DetailsCompounding Freq.: Quarterly
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 2.27% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.43%
Share Certificate - 24 month
2.00%
2.01%
24 Months
DetailsCompounding Freq.: Quarterly
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 2.01% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.43%
Mississippi Highway Safety Patol Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New & Used Auto
-
-
4.75%
1 - 36 Months
DetailsCategory: A+ Category = or > 725
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 4.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.43%
New & Used Auto
-
-
5.25%
1 - 36 Months
DetailsCategory: A Category 660 - 724
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 5.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.43%
New & Used Auto
-
-
5.25%
37 - 48 Months
DetailsCategory: A+ Category = or > 725
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 7.25% → 5.25% ▼ 2.00 pts · high 7.25% / low 5.25%
Sep 21, 20265.25%▼ from 7.25%
Sep 14, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.43%
New & Used Auto
-
-
5.75%
37 - 48 Months
DetailsCategory: A Category 660 - 724
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 7.25% → 5.75% ▼ 1.50 pts · high 7.25% / low 5.75%
Sep 21, 20265.75%▼ from 7.25%
Sep 14, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.43%
New & Used Auto
-
-
5.75%
49 - 60 Months
DetailsCategory: A+ Category = or > 725
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 10.25% → 5.75% ▼ 4.50 pts · high 10.25% / low 5.75%
Sep 21, 20265.75%▼ from 10.25%
Sep 14, 202610.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.43%
New & Used Auto
-
-
6.25%
49 - 60 Months
DetailsCategory: A Category 660 - 724
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 10.25% → 6.25% ▼ 4.00 pts · high 10.25% / low 6.25%
Sep 21, 20266.25%▼ from 10.25%
Sep 14, 202610.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.43%
New & Used Auto
-
-
6.25%
61 - 72 Months
DetailsCategory: A+ Category = or > 725
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 8.50% → 6.25% ▼ 2.25 pts · high 8.50% / low 6.25%
Sep 21, 20266.25%▼ from 8.50%
Sep 14, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.43%
New & Used Auto
-
-
6.75%
1 - 36 Months
DetailsCategory: B Category 620 - 659
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 6.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.43%
New & Used Auto
-
-
6.75%
61 - 72 Months
DetailsCategory: A Category 660 - 724
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 8.50% → 6.75% ▼ 1.75 pts · high 8.50% / low 6.75%
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.43%
Financial Health History
Mississippi Highway Safety Patol Federal Credit Union’s Texas Ratio rose from 0.63% in Q3 2023 to 12.43% in Q2 2026, so its financial health has held steady at a healthy level 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)
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$13M
12.43%
5.0
A
March 31, 2026
$13M
7.93%
5.0
A
December 31, 2025
$13M
9.08%
5.0
A
September 30, 2025
$13M
7.20%
5.0
A
June 30, 2025
$13M
5.04%
5.0
A+
March 31, 2025
$13M
5.15%
5.0
A+
December 31, 2024
$13M
5.25%
5.0
A+
September 30, 2024
$13M
3.33%
5.0
A+
June 30, 2024
$13M
2.99%
5.0
A+
March 31, 2024
$13M
1.34%
5.0
A+
December 31, 2023
$13M
0.59%
5.0
A+
September 30, 2023
$12M
0.63%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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 NameMississippi Highway Safety Patol Federal Credit Union
Total Insured Shares and Deposits > $250K (item 17 less item K)
9,319,902
Total Interest Expense (Sum of items 6 8)
30,355
Share Certificates
33
Number of Accounts for Share Drafts
271
IRA KEOGH Accounts
19
Number of Accounts for Regular Shares
1,398
All other shares
135
Net Income (unless the amount is already included in Undivided Earnings)
47,706
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)
3,267,450
Total Liabilities
9,370,974
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Mississippi Highway Safety Patol Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
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0
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Frequently Asked Questions About Mississippi Highway Safety Patol Federal Credit Union
How 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
12-Month CD2.78%
24-Month CD2.01%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
