Mutual Savings Credit Union


Po Box 362045
Birmingham, AL 35236
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 2.53% →
1-Year CD 0.50% 2.79% →
2-Year CD 0.55% 3.20% →
5-Year CD 0.90% 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

Mutual Savings is an NCUA insured institution located in Birmingham, AL. It was founded in 1936 and has approximately $220.21 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 60501
Date Established 1936
Assets $220.21 million
Loans $126.91 million
Deposits $201.71 million
Capital $18.14 million

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Bibb, Blount, Autauga, Chilton, Clay, Dallas, Coosa, Shelby, Jefferson, St. Clair, Talladega, Walker, and Tuscaloosa Counties or within a 50-mile radius of Alexander City.

Deposit Rates - August 7, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 - Learn More
Money Market
0.10% $100 - Learn More
Money Market
0.45% $100,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $100 - Learn More
12 Mo CD
0.50% $100 - Learn More
24 Mo CD
0.55% $100 - Learn More
36 Mo CD
0.70% $100 - Learn More
60 Mo CD
0.90% $100 - Learn More

Loan Rates - August 7, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for MUTUAL SAVINGS

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

Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 413-0477
4.960% 4.875% 0.63 $2,460 $1,324 Learn More
Choicelend Mortgage
NMLS ID: 292770
License#: 01739645
4.584% 4.500% 1.00 $2,472 $1,267 Learn More
First Internet Bank
NMLS ID: 424182
5.203% 5.125% 0.88 $2,202 $1,362 Learn More
Morty, Inc.
NMLS ID: 1429243
4.709% 4.625% 1.00 $2,458 $1,286 Learn More

Featured - California 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: 6.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

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Below are Mutual Savings 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:
San Diego,California

Mutual Savings Locations

Climate Initiatives

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

Financial Details

Mutual Savings Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mutual Savings. 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 Savings U.S. Average
4.43% 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, Mutual Savings had $102,676 in non-current loans and $738,142 in owned assets. To cover these potential losses it had $18,139,514 in net worth and $826,183 in loans loss reserves. That gives it a Texas Ratio of 4.43%.

Net Worth
Mutual Savings U.S. Average
8.24% 12.28%

Mutual Savings FCU has a net worth of 8.24% 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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