Mac Federal Credit Union


541 10th Ave
Fairbanks, AK 99701
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 2.55% →
1-Year CD 0.85% 2.80% →
2-Year CD 1.10% 3.20% →
5-Year CD N.A. 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Mac is an NCUA insured institution located in Fairbanks, AK. It was founded in 1952 and has approximately $175.9 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 8080
Date Established 1952
Assets $175.90 million
Loans $149.31 million
Deposits $154.61 million
Capital $26.22 million

Field of Membership Restrictions

Membership in MAC Federal Credit Union is open to anyone through membership in the Polar Bear Chapter of the Association of the United States Army ($30 two-year membership). Membership is also open to those who live, work, attend school or worship in Fairbanks, Ft. Wainwright, North Pole, Badger Road, Chena Ridge, UAF, Eielson AFB, Ester, Farmers Loop, Fox, Goldstream, Harding-Birch Lakes, Moose Creek, Pleasant Valley, Salcha, South Van Horn, Steele Creek, Two Rivers, Chena Hot Springs, Chatanika in Alaska.

Deposit Rates - August 10, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
Money Market
0.35% $10,000 $24,999 Learn More
Money Market
0.45% $25,000 $49,999 Learn More
Money Market
0.60% $50,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $1,000 - Learn More
12 Mo CD
0.85% $1,000 - Learn More
24 Mo CD
1.10% $1,000 - Learn More
36 Mo CD
1.35% $1,000 - Learn More
48 Mo CD
1.35% $1,000 - Learn More
12 Mo FIRA
0.95% $1,000 - Learn MoreShow Less

Loan Rates - August 10, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for MAC

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
5.049% 4.990% 0.63 $1,682 $1,341 Learn More
Morty, Inc.
NMLS ID: 1429243
4.702% 4.625% 0.88 $2,252 $1,286 Learn More
NMLS ID: 2890
License#: MC-3098
4.863% 4.750% 0.88 $3,285 $1,305 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
6.729% 6.625% 1.00 $2,682 $1,601 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
4.990 %
After Intro: 6.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to MAC
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Below are Mac branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Climate Initiatives

MAC is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Mac Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mac. 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
Mac U.S. Average
5.21% 4.75

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 March 31, 2022, Mac had $1,397,851 in non-current loans and $16,900 in owned assets. To cover these potential losses it had $26,222,222 in net worth and $921,707 in loans loss reserves. That gives it a Texas Ratio of 5.21%.

Net Worth
Mac U.S. Average
14.91% 12.28%

Mac FCU has a net worth of 14.91% versus the BestCashCow average of 12.28. 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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