541 10TH AVE
Fairbanks, AK 99701

Notable Rates APY Vs.Others
Savings 0.25% 2.20% →
1-Year CD 2.10% 2.20% →
2-Year CD 2.40% 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Mac is an NCUA insured institution located in Fairbanks, AK. It was founded in 1952 and has approximately $116.09 millions in assets.

NCUA Insured Yes
Charter Number # # 8080
Date Established 1952
Assets $116.09 million
Loans $94.63 million
Deposits $93.55 million
Capital $20.71 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 - February 17, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.25% $2,500 $4,999 Learn MoreShow Less
Money Market
0.50% $10,000 $24,999 Learn MoreShow Less
Money Market
0.60% $25,000 $49,999 Learn MoreShow Less
Fixed IRA
2.20% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.10% $1,000 - Learn MoreShow Less
12 Mo CD
2.10% $1,000 - Learn MoreShow Less
24 Mo CD
2.40% $1,000 - Learn MoreShow Less
36 Mo CD
2.50% $1,000 - Learn MoreShow Less
48 Mo CD
2.55% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.00% $50 - Learn MoreShow Less

Loan Rates - February 17, 2020

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.378% 3.375% 0.00 $92 $1,106 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 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.

Your Location:

Mac Locations

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
7.03% 5.86

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 June 30, 2019, Mac had $1,433,743 in non-current loans and $184,069 in owned assets. To cover these potential losses it had $20,708,872 in net worth and $2,307,404 in loans loss reserves. That gives it a Texas Ratio of 7.03%.

Net Worth
Mac U.S. Average
17.83% 13.65%

Mac FCU has a net worth of 17.83% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Mac

Branches and Savings

What is Mac?

A federal credit union, registered with the NCUA under certificate #8080.
Learn more about credit unions here.

Is Mac FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Mac?

Please see Field of Membership information above for information on who is eligible to join.

What are Mac's share account and share certificate rates?

Mac's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Mac?

Mac has total capital of $20.71 million. Full information on Mac's financial position is located above.

Who owns Mac?

Credit Unions are owned by their members.

Where are Mac branches located?

See branch locations nearby.

Are Mac ATMs Open 24/7?

Do Mac ATMs accept cash deposits?

Can Mac customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Mac have a mobile app?

Does Mac have mobile deposit?

Does Mac have quick pay?

How can Mac transfer money to other banks or credit unions?

Does Mac report to credit bureaus?

Does Mac use Chexsystems?

Does Mac use Equifax?

What is Mac's toll free phone number?

What is Mac's ACH Routing Number?

What is Mac's SWIFT code?

Where can I find Mac's wire transfer form?

What is the Mac address for deposits?

What Products Does Mac Offer

Does Mac offer mortgages?

Compare mortgage rates here.

Does Mac offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Mac offer auto and RV loans?

Compare auto loan rates here.

Does Mac offer student loans or personal loans?

Compare personal loan rates here.

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