PO Box 25
Vicksburg, MS 39181
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.91% →
1-Year CD 0.35% 0.85% →
2-Year CD 0.50% 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Mutual is an NCUA insured institution located in Vicksburg, MS. It was founded in 1931 and has approximately $222.99 millions in assets.

Who can join?

If you live, work, worship, volunteer, or attend school in Warren County, Hinds County, Copiah County, Yazoo County, Claiborne County, Sharkey County, or Issaquena County, you are eligible to join Mutual Credit Union. Once you become a member, your immediate family members are also eligible to join Mutual Credit Union. An immediate family is defined as spouse, child, sibling, parent, grandparent, or grandchild.

NCUA Insured Yes
Charter Number # # 63584
Date Established 1931
Assets $222.99 million
Loans $101.84 million
Deposits $196.31 million
Capital $26.86 million

Field of Membership Restrictions

Membership is open to those who live, work, volunteer, attend school or worship in Warren, Hinds, Yazoo, Copiah, Sharkey, Claiborne, or Issaquena Counties in Mississippi.

Deposit Rates - November 24, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.25% $2,500 $4,999 Learn More
Money Market
0.40% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.15% $10,000 $14,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
30 Mo CD
0.60% $10,000 $14,999 Learn More
30 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.70% $10,000 $14,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 24, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for MUTUAL

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.557% 2.500% 0.75 $1,868 $988 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to MUTUAL
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Below are Mutual 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:

Mutual Locations

Financial Details

Mutual Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mutual. 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
Mutual U.S. Average
7.07% 6.71

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 30, 2020, Mutual had $1,797,246 in non-current loans and $172,455 in owned assets. To cover these potential losses it had $26,858,087 in net worth and $1,007,149 in loans loss reserves. That gives it a Texas Ratio of 7.07%.

Net Worth
Mutual U.S. Average
12.39% 13.61%

Mutual FCU has a net worth of 12.39% versus the BestCashCow average of 13.61. 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 Mutual

Branches and Savings

What is Mutual?

A federal credit union, registered with the NCUA under certificate #63584.
Learn more about credit unions here.

Is Mutual 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 Mutual?

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

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

Mutual'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 Mutual?

Mutual has total capital of $26.86 million. Full information on Mutual's financial position is located above.

Who owns Mutual?

Credit Unions are owned by their members.

Where are Mutual branches located?

See branch locations nearby.

Are Mutual ATMs Open 24/7?

Do Mutual ATMs accept cash deposits?

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

Does Mutual have a mobile app?

Does Mutual have mobile deposit?

Does Mutual have quick pay?

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

Does Mutual report to credit bureaus?

Does Mutual use Chexsystems?

Does Mutual use Equifax?

What is Mutual's toll free phone number?

What is Mutual's ACH Routing Number?

What is Mutual's SWIFT code?

Where can I find Mutual's wire transfer form?

What is the Mutual address for deposits?

What Products Does Mutual Offer

Does Mutual offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Mutual offer auto and RV loans?

Compare auto loan rates here.

Does Mutual offer student loans or personal loans?

Compare personal loan rates here.

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