Keesler Federal Credit Union
P O Box 7001
Biloxi, MS 39534
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Phone 888-533-7537
2023 Overview
General Credit Union Information
Keesler is an NCUA insured institution located in Biloxi, MS. It was founded in 1947 and has approximately $4127.45 millions in assets.
Who can join?
You are eligible for membership if you live, work, worship or attend school in Pearl River, Harrison or Hancock Counties or select census tracts in Jackson County, Mississippi.
You are also eligible if you or anyone in your family works at or belongs to any of our many Select Employee Groups located on the Mississippi Gulf Coast. Membership is also offered if you or anyone in your family works at Keesler AFB or United Kingdom Royal AFBs.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 5561 |
| Date Established | 1947 |
| Assets | $4,127.45 million |
| Loans | $3,120.14 million |
| Deposits | $3,608.18 million |
| Capital | $522.36 million |
Field of Membership Restrictions
Deposit Rates - February 2, 2023
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.25% | $2,500 | $4,999 |
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|
|
Money Market
|
1.40% | $10,000 | $99,999 |
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|
|
Money Market
|
1.45% | $100,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.45% | $1,000 | $14,999 |
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|
| 12 Mo CD
|
1.05% | $25 | - |
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|
| 18 Mo CD
|
0.85% | $1,000 | - |
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|
| 24 Mo CD
|
1.00% | $1,000 | - |
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|
| 30 Mo CD
|
1.01% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.15% | $1,000 | - |
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|
| 48 Mo CD
|
1.25% | $1,000 | - |
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|
| 60 Mo CD
|
1.50% | $1,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.75% | $1 | $499 | Learn More |
Loan Rates - February 2, 2023
Your Current Location: Virginia, VA 20146
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.50% | 5.50% | Varies | |
Compare with RATE Line of Credit from New American Funding
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| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 2.49% | 2.49% | $721.42 | |
| 4 Year | 2.49% | 2.49% | $547.74 | |
| 5 Year | 2.49% | 2.49% | $443.57 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
8.04% | 6.75% | $1,621.50 | |
| 15 Year Fixed Conforming See Amortization Table |
6.87% | 6.75% | $2,212.27 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.81% | 6.75% | $2,212.27 | |
| 20 Year Fixed Conforming See Amortization Table |
7.47% | 7.38% | $1,995.68 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.42% | 7.38% | $1,995.68 | |
| 30 Year Fixed Conforming See Amortization Table |
7.57% | 7.50% | $1,748.04 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.53% | 7.50% | $1,748.04 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
8.04% | 6.75% | $1,621.50 | |
| 15 Year Fixed Conforming See Amortization Table |
6.87% | 6.75% | $2,212.27 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.81% | 6.75% | $2,212.27 | |
| 20 Year Fixed Conforming See Amortization Table |
7.47% | 7.38% | $1,995.68 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.42% | 7.38% | $1,995.68 | |
| 30 Year Fixed Conforming See Amortization Table |
7.57% | 7.50% | $1,748.04 | |
Compare with APR and 30-Year Fixed RATE from Eligibility.org
See All Mortgage Rates |
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| 30 Year Fixed Jumbo See Amortization Table |
7.53% | 7.50% | $1,748.04 | |
|
Compare with APR and 30-Year Fixed RATE from Eligibility.org
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Keesler branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Ashburn,Virginia
Climate Initiatives
KEESLER is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Financial Details
Keesler Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Keesler. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Keesler | U.S. Average |
|---|---|
| 7.00% | 4.63 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of September 30, 2022, Keesler had $33,685,852 in non-current loans and $3,920,740 in owned assets. To cover these potential losses it had $522,359,394 in net worth and $15,177,504 in loans loss reserves. That gives it a Texas Ratio of 7.00%.
Net Worth
| Keesler | U.S. Average |
|---|---|
| 12.66% | 12.52% |
Keesler FCU has a net worth of 12.66% versus the BestCashCow average of 12.52. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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