What are the current interest rates at Muskegon Federal Credit Union?

Current rates for Muskegon Federal Credit Union include: 12-Month CD: 4.06%, 24-Month CD: 4.06%, 60-Month CD: 3.70%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Muskegon Federal Credit Union

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Muskegon Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Muskegon 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 and Verified: October 12, 2026

Muskegon Federal Credit Union's top rates as of October 12, 2026 are 4.06% APY on its IRA & CD - 1 Year, personal loans from 8.50% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other Muskegon Federal Credit Union CD rates include IRA & CD - 2 Year at 4.06%, IRA & CD - 5 Year at 3.70%, and IRA & CD - 3 Year at 3.55%. MonitorBankRates evaluates the financial stability of Muskegon Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.64%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 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

0.64%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Muskegon Federal Credit Union
CORPORATE OFFICE

65 W LAKETON AVE
MUSKEGON, MI 49441

https://www.muskfedcu.com

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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.

Muskegon Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA & Share Certificate - 1 Year	4.00%	4.06%	1 YEAR
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.06% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
IRA & Share Certificate - 2 Year	4.00%	4.06%	2 YEAR
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.06% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
IRA & Share Certificate - 5 Year	3.65%	3.70%	5 YEAR
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
IRA & Share Certificate - 3 Year	3.50%	3.55%	3 YEAR
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
IRA & Share Certificate - 4 Year	3.50%	3.55%	4 YEAR
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
IRA & Share Certificate - 6 Month	3.00%	3.03%	6 MONTH
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Muskegon Federal Credit Union Savings Rates

Product	Rate	APY	View More
Christmas Clubs	0.10%	0.10%
Details Rates are effective 09/01/2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Muskegon Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Variable Rate Line of Credit Home Equity	7.00%	-	7.00%
Details Current rate is 7.00%; Rate: Prime plus 0%; $5,000 new money minimum; First lien position LTV up to 80%; Second lien position LTV up to 75% Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 17, 20267.00%▲ from 6.75% Sep 12, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Muskegon Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	-	-	4.00%	36 months or less
Details Credit Grade: A+; Credit Score: 780+; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	4.00%	48 months
Details Credit Grade: A+; Credit Score: 780+; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	4.00%	60 months
Details Credit Grade: A+; Credit Score: 780+; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	4.50%	36 months or less
Details Credit Grade: A; Credit Score: 680-779; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	4.50%	48 months
Details Credit Grade: A; Credit Score: 680-779; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	4.50%	60 months
Details Credit Grade: A; Credit Score: 680-779; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	5.25%	72 months
Details Credit Grade: A+; Credit Score: 780+; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	5.50%	36 months or less
Details Credit Grade: B; Credit Score: 640-679; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	5.50%	48 months
Details Credit Grade: B; Credit Score: 640-679; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	5.50%	60 months
Details Credit Grade: B; Credit Score: 640-679; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	5.50%	72 months
Details Credit Grade: A; Credit Score: 680-779; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	5.75%	84 months
Details Loan Amount: $20,000 OR MORE; Credit Grade: A+; Credit Score: 780+; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	6.00%	84 months
Details Loan Amount: $20,000 OR MORE; Credit Grade: A; Credit Score: 680-779; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	6.50%	72 months
Details Credit Grade: B; Credit Score: 640-679; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	6.75%	96 to 180 months
Details Loan Amount: $60,000 OR MORE; Credit Grade: A+; Credit Score: 780+; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	7.00%	36 months or less
Details Credit Grade: C; Credit Score: 600-639; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	7.00%	48 months
Details Credit Grade: C; Credit Score: 600-639; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	7.00%	60 months
Details Credit Grade: C; Credit Score: 600-639; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	7.00%	96 to 180 months
Details Loan Amount: $60,000 OR MORE; Credit Grade: A; Credit Score: 680-779; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	7.50%	84 months
Details Loan Amount: $20,000 OR MORE; Credit Grade: B; Credit Score: 640-679; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	8.00%	72 months
Details Credit Grade: C; Credit Score: 600-639; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	8.25%	96 to 180 months
Details Loan Amount: $60,000 OR MORE; Credit Grade: B; Credit Score: 640-679; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	10.00%	36 months or less
Details Credit Grade: D; Credit Score: 550-559 OR NO SCORE; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	10.00%	84 months
Details Loan Amount: $20,000 OR MORE; Credit Grade: C; Credit Score: 600-639; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	11.00%	48 months
Details Credit Grade: D; Credit Score: 550-559 OR NO SCORE; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	11.75%	96 to 180 months
Details Loan Amount: $60,000 OR MORE; Credit Grade: C; Credit Score: 600-639; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	12.00%	60 months
Details Credit Grade: D; Credit Score: 550-559 OR NO SCORE; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	12.50%	72 months
Details Credit Grade: D; Credit Score: 550-559 OR NO SCORE; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	13.75%	84 months
Details Loan Amount: $20,000 OR MORE; Credit Grade: D; Credit Score: 550-559 OR NO SCORE; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	16.50%	96 to 180 months
Details Loan Amount: $60,000 OR MORE; Credit Grade: D; Credit Score: 550-559 OR NO SCORE; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 16.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	18.00%	36 months or less
Details Credit Grade: E; Credit Score: 549 & BELOW; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	18.00%	48 months
Details Credit Grade: E; Credit Score: 549 & BELOW; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	18.00%	60 months
Details Credit Grade: E; Credit Score: 549 & BELOW; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Vehicle Loan	-	-	18.00%	72 months
Details Credit Grade: E; Credit Score: 549 & BELOW; Car, Truck, Motorcycle, Motor Home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Muskegon Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan	-	5.00%	60 MONTHS OR LESS
Details Credit Score: 780+; Credit Grade: A+; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History 2 changes since Sep 17, 2026 · 9.00% → 5.00% ▼ 4.00 pts · high 9.00% / low 5.00% Oct 12, 20265.00%▼ from 8.50% Oct 8, 20268.50%▼ from 9.00% Sep 17, 20269.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	5.50%	60 MONTHS OR LESS
Details Credit Score: 680-779; Credit Grade: A; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History 2 changes since Sep 17, 2026 · 9.00% → 5.50% ▼ 3.50 pts · high 9.00% / low 5.50% Oct 12, 20265.50%▼ from 8.50% Oct 8, 20268.50%▼ from 9.00% Sep 17, 20269.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	5.50%	72 MONTHS
Details Credit Score: 780+; Credit Grade: A+; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	6.00%	72 MONTHS
Details Credit Score: 680-779; Credit Grade: A; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	6.00%	84 MONTHS
Details Credit Score: 780+; Credit Grade: A+; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	6.50%	60 MONTHS OR LESS
Details Credit Score: 640-679; Credit Grade: B; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History 2 changes since Sep 17, 2026 · 9.00% → 6.50% ▼ 2.50 pts · high 9.00% / low 6.50% Oct 12, 20266.50%▼ from 8.50% Oct 8, 20268.50%▼ from 9.00% Sep 17, 20269.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	6.50%	84 MONTHS
Details Credit Score: 680-779; Credit Grade: A; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	7.00%	72 MONTHS
Details Credit Score: 640-679; Credit Grade: B; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	7.00%	96 TO 180 MONTHS
Details Credit Score: 780+; Credit Grade: A+; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	7.50%	96 TO 180 MONTHS
Details Credit Score: 680-779; Credit Grade: A; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	8.00%	84 MONTHS
Details Credit Score: 640-679; Credit Grade: B; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	9.00%	60 MONTHS OR LESS
Details Credit Score: 600-639; Credit Grade: C; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History 2 changes since Sep 17, 2026 · 9.00% → 9.00% ▼ 0.00 pts · high 9.00% / low 8.50% Oct 12, 20269.00%▲ from 8.50% Oct 8, 20268.50%▼ from 9.00% Sep 17, 20269.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	10.00%	72 MONTHS
Details Credit Score: 600-639; Credit Grade: C; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	10.00%	96 TO 180 MONTHS
Details Credit Score: 640-679; Credit Grade: B; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	11.00%	84 MONTHS
Details Credit Score: 600-639; Credit Grade: C; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 11.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	14.00%	60 MONTHS OR LESS
Details Credit Score: 550-599 OR NO SCORE; Credit Grade: D; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History 2 changes since Sep 17, 2026 · 14.00% → 14.00% ▼ 0.00 pts · high 15.00% / low 14.00% Oct 12, 202614.00%▼ from 15.00% Oct 8, 202615.00%▲ from 14.00% Sep 17, 202614.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	14.00%	96 TO 180 MONTHS
Details Credit Score: 600-639; Credit Grade: C; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 14.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	15.00%	72 MONTHS
Details Credit Score: 550-599 OR NO SCORE; Credit Grade: D; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 15.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	16.00%	84 MONTHS
Details Credit Score: 550-599 OR NO SCORE; Credit Grade: D; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 16.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	17.00%	96 TO 180 MONTHS
Details Credit Score: 550-599 OR NO SCORE; Credit Grade: D; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 17.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	18.00%	60 MONTHS OR LESS
Details Credit Score: 549 & BELOW; Credit Grade: E; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History 2 changes since Sep 17, 2026 · 14.00% → 18.00% ▲ 4.00 pts · high 18.00% / low 14.00% Oct 12, 202618.00%▲ from 15.00% Oct 8, 202615.00%▲ from 14.00% Sep 17, 202614.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	18.00%	72 MONTHS
Details Credit Score: 549 & BELOW; Credit Grade: E; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 15.00% → 18.00% ▲ 3.00 pts · high 18.00% / low 15.00% Oct 12, 202618.00%▲ from 15.00% Sep 17, 202615.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	18.00%	84 MONTHS
Details Credit Score: 549 & BELOW; Credit Grade: E; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loan	-	18.00%	96 TO 180 MONTHS
Details Credit Score: 549 & BELOW; Credit Grade: E; Rates effective 10/01/2026; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Muskegon Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA-PLATINUM Scorecard	-	7.90%
Details Rates Effective 10/01/2026; APR Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 7.90% → 7.90% ▼ 0.00 pts · high 7.90% / low 7.00% Oct 12, 20267.90%▲ from 7.00% Oct 8, 20267.00%▼ from 7.90% Sep 12, 20267.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
VISA-PLATINUM "B" Paper Grade	-	8.90%
Details Rates Effective 10/01/2026; All rates listed are APR; Rate variances determined by the MFCU Loan Policy Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 8.90% → 8.90% ▼ 0.00 pts · high 8.90% / low 7.90% Oct 12, 20268.90%▲ from 7.90% Oct 8, 20267.90%▼ from 8.90% Sep 12, 20268.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
VISA-PLATINUM Credit Building	-	8.90%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
VISA-PLATINUM "C" Paper Grade	-	10.90%
Details APR; Rates Effective 10/01/2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Muskegon Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	8.50%	60 months maximum
Details Credit Score: 780+; Credit Grade: A+; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
VISA-PLATINUM Credit Building	8.90%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Signature Loan	9.50%	60 months maximum
Details Credit Score: 680-779; Credit Grade: A; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Signature Loan	12.00%	60 months maximum
Details Credit Score: 640-679; Credit Grade: B; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 12.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Signature Loan	15.00%	60 months maximum
Details Credit Score: 600-639; Credit Grade: C; Closed End loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 15.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Muskegon Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Revolving LOC Loan	-	-	15.00%
Details Credit Score 600+; Rates effective 10/01/2026; all rates are APR Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 15.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Shares	0.10%	-	0.10%
Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Tiered Hi-Yield	1.25%	-	1.26%
Min Balance $2,000 Details Balance: $2,000-$19,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Tiered Hi-Yield	1.50%	-	1.51%
Min Balance $20,000 Details Balance: $20,000-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Tiered Hi-Yield	1.75%	-	1.76%
Min Balance $50,000 Details Balance: $50,000 OR OVER Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

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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Financial Health History

Muskegon Federal Credit Union’s Texas Ratio stayed near 0.35% in Q3 2023 to 0.64% in Q2 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$81M	0.64%	5.0	A+
March 31, 2026	$81M	0.43%	5.0	A+
December 31, 2025	$77M	1.21%	5.0	A+
September 30, 2025	$79M	0.54%	5.0	A+
June 30, 2025	$79M	0.89%	5.0	A+
March 31, 2025	$78M	0.49%	5.0	A+
December 31, 2024	$76M	0.32%	5.0	A+
September 30, 2024	$75M	0.43%	5.0	A+
June 30, 2024	$72M	0.45%	5.0	A+
March 31, 2024	$73M	0.30%	5.0	A+
December 31, 2023	$69M	0.21%	5.0	A+
September 30, 2023	$69M	0.35%	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 Muskegon 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 Muskegon 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 Muskegon Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Muskegon Federal Credit Union

Website https://www.muskfedcu.com

Address 65 W LAKETON AVE, MUSKEGON, MI 49441

Phone 231-722-7285

Fax

President JAMES TAYLOR

CEO TONI WINSKAS

Full-Time Employees 15

Part-Time Employees 1

Branch Locations 2

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+ (100/100)

Texas Ratio

0.64%

Return on Assets (ROA)

0.3011%

Return on Equity (ROE)

2.7449%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

80,780,836

Total Amount of Shares and Deposits

71,132,835

Total Shares and Deposits < 1 Year

65,778,008

Total Shares and Deposits 1 3 Years

4,677,515

Total Shares and Deposits > 3 Years

677,312

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

4,927,304

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

4,927,304

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

66,205,531

Total Interest Expense (Sum of items 6 8)

531,065

Share Certificates

643

Number of Accounts for Share Drafts

3,541

IRA KEOGH Accounts

211

Number of Accounts for Regular Shares

5,484

All other shares

1,187

Money Market Shares

773

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)

2,739,612

Total Liabilities

71,920,132

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Muskegon 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Muskegon Federal Credit Union

How many branches does Muskegon Federal Credit Union operate?

Muskegon 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 Muskegon Federal Credit Union?

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

Does Muskegon Federal Credit Union offer online and mobile banking?

Most modern institutions like Muskegon 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.muskfedcu.com.