Main Impact Federal Credit Union
Headquarters
1312 Main St
Murray, KY 42071
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2025 Overview
General Credit Union Information
Main Impact is an NCUA insured institution located in Murray, KY. It was founded in 1978 and has approximately $22.96 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 22978 |
| Date Established | 1978 |
| Assets | $22.96 million |
| Loans | $13.42 million |
| Deposits | $20.70 million |
| Capital | $2.24 million |
Field of Membership Restrictions
Faculty and Staff of: Murray State University Employees of: Calloway County School District Murray – Calloway County Hospital Murray Independent School District Immediate family members of any person eligible for membership
Deposit Rates - July 31, 2025
Your Current Location: New York, NY 10116
We do not yet have rates for Main Impact
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Loan Rates - July 31, 2025
Your Current Location: New York, NY 10116
There are currently no loan rates available for Main Impact
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - New York 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 399799 |
6.621% | 6.500% | 0.88 | $4,175 | $2,023 | Learn More |
NMLS ID: 401822 |
6.632% | 6.500% | 0.75 | $4,395 | $2,023 | Learn More |
NMLS ID: 3030 |
Learn More | |||||
NMLS ID: 401822 |
Learn More |
Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
Note to Main Impact
To upload and update your bank's rates please register.
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Branches
Below are Main Impact 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:
New York City,New York
Main Impact Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 809.61 | A | View Lobby Hours |
Climate Policy and Initiatives
MAIN IMPACT is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Main Impact Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Main Impact. 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
| Main Impact | U.S. Average |
|---|---|
| 2.06% | 6.86 |
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 March 31, 2025, Main Impact had $46,514 in non-current loans and $0 in owned assets. To cover these potential losses it had $2,236,021 in net worth and $24,744 in loans loss reserves. That gives it a Texas Ratio of 2.06%.
Net Worth
| Main Impact | U.S. Average |
|---|---|
| 9.74% | 14.12% |
Main Impact FCU has a net worth of 9.74% versus the BestCashCow average of 14.12. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Main Impact
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