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Mountain Laurel Federal Credit Union

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Mountain Laurel Federal Credit Union Rates & Review June 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mountain Laurel Federal 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: June 16, 2026

Mountain Laurel Federal Credit Union's 24 mo. Cert. rates are at 3.50%. MonitorBankRates evaluates the financial stability of Mountain Laurel Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.36%. Rates were last updated on 06/16/2026.

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

Ranked #95 Healthiest Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.36%

Excellent Lower than avg

Mountain Laurel Federal Credit Union
Mountain Laurel FCU Main Office

413 S Michael St
Saint Marys, PA 15857

https://www.mlfcu.net

Mountain Laurel Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
24 mo. Cert.	-	3.50%	24 months
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Mountain Laurel Federal Credit Union Savings Rates

Product	Rate	APY	View More
Club Accounts	-	0.05%
Details No Min. Balance Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Mountain Laurel Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity	-	-	4.99%	5 Year
Details Rates are for 1st Lien only. Please contact CU for 2nd Lien rates. Rates may qualify for discounts for having 4+ services with the CU and discounts with Debt Protection/GAP and Mechanical Repair Coverage. Rates and Terms are subject to change without notification. Fees could reduce the earnings on savings accounts.()as low as (* )APY/APR = Annual Percentage Yield/Annual Percentage Rate Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity	-	-	5.26%	10 Year
Details Rates are for 1st Lien only. Please contact CU for 2nd Lien rates. Rates may qualify for discounts for having 4+ services with the CU and discounts with Debt Protection/GAP and Mechanical Repair Coverage. Rates and Terms are subject to change without notification. Fees could reduce the earnings on savings accounts.()as low as (* )APY/APR = Annual Percentage Yield/Annual Percentage Rate Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity	-	-	5.75%	15 Year
Details Rates are for 1st Lien only. Please contact CU for 2nd Lien rates. Rates may qualify for discounts for having 4+ services with the CU and discounts with Debt Protection/GAP and Mechanical Repair Coverage. Rates and Terms are subject to change without notification. Fees could reduce the earnings on savings accounts.()as low as (* )APY/APR = Annual Percentage Yield/Annual Percentage Rate Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Mountain Laurel Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa	-	12.90%
Details Rates may qualify for discounts for having 4+ services with the CU and discounts with Debt Protection/GAP and Mechanical Repair Coverage. Rates and Terms are subject to change without notification. Fees could reduce the earnings on savings accounts.()as low as (* )APY/APR = Annual Percentage Yield/Annual Percentage Rate Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Mountain Laurel 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 Mountain Laurel 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 Mountain Laurel Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mountain Laurel Federal Credit Union

Website https://www.mlfcu.net

Address 413 S Michael St, Saint Marys, PA 15857

Phone 814-834-9518

Fax 814-781-1646

President Daniel Jones

CEO Rena Sennett

Full-Time Employees 29

Part-Time Employees 10

Branch Locations 6

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.36%

Return on Assets (ROA)

2.0352%

Return on Equity (ROE)

10.5637%

Non-Performing Loans Ratio (NPL)

0.14%

Total Assets

162,870,325

Total Amount of Shares and Deposits

130,949,460

Total Shares and Deposits < 1 Year

130,218,971

Total Shares and Deposits 1 3 Years

730,489

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

672,895

Total Uninsured Shares and Deposits > $250K (F+J)

672,895

Total Insured Shares and Deposits > $250K (item 17 less item K)

130,276,565

Total Interest Expense (Sum of items 6 8)

549,806

Share Certificates

591

Number of Accounts for Share Drafts

7,827

IRA KEOGH Accounts

420

Number of Accounts for Regular Shares

20,019

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,736,819

Total Liabilities

131,551,102

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Mountain Laurel Federal Credit Union earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #95 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer Reviews

There are no reviews for Mountain Laurel Federal Credit Union yet. Feel free to create one below.

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Average Rating

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Total Reviews

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Frequently Asked Questions About Mountain Laurel Federal Credit Union

How many branches does Mountain Laurel Federal Credit Union operate?

Mountain Laurel 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 Mountain Laurel Federal Credit Union?

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

Does Mountain Laurel Federal Credit Union offer online and mobile banking?

Most modern institutions like Mountain Laurel 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.mlfcu.net.