Mississippi

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Mississippi Credit Union Savings Rates

You are viewing savings rates from credit unions across Mississippi

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

MS - July 30, 2025

Savings Account National Average Rate: 0.45% ?

Credit Unions APY MIN

Rate History: 0.75% → 4.00%

12 Month Introductory Rate

Rate History: 3.75% → 4.00% → 3.60%

| Mar 22, 2024

Their CD rates are reasonable and their Visa rewards is very good at 2.5% on all purchases up to 10K/month. Their customer service is polite and helpful. However, their IT department must need some serio... Read More

Last change: ↓ 0.10% on February 10.

| Dec 25, 2023

I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Rate History: 2.50% → 2.00%

Rate History: 1.51% → 1.61% → 1.71%

| Feb 6, 2023

Everyone was very friendly and helpful. Read More

1.45%

$100,000

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1.40%

$10,000

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| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

| Feb 6, 2023

Everyone was very friendly and helpful. Read More

| May 12, 2016

19 what, years or months Read More

0.55%

$10,000

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0.55%

$1,000

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0.55%

$10,000

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0.50%

$2,500

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0.50%

$2,500

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0.50%

$25,000

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0.45%

$25,000

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0.45%

0.43%
0.40%
0.38%
0.35%

$100,000

$50,000
$25,000
$10,000
$2,500
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0.40%

$10,000

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0.40%

$2,500

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0.40%

$10,000

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0.35%

$500

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0.35%

$2,500

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0.35%

$2,500

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0.35%

$25,000

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0.35%

$2,500

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0.35%

$2,500

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0.35%

$2,500

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0.35%

$25,000

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0.30%

$20,000

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| Aug 31, 2020

Great rates and fast loans Read More

0.25%

$2,500

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$10,000

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$2,500

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| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

EDU


Restrictions

0.20%

$0

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0.20%

$2,500

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0.20%

$25,000

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| May 7, 2021

Becoming a member of SSFCU and breaking free of the traditional profit off consumers through big wealth trenching is the traditional banks as we know today on every corner. The suits will continue to gain... Read More

0.20%

$25,000

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0.20%

$25,000

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0.20%

$25,000

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0.20%

$2,500

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| Aug 31, 2020

Great rates and fast loans Read More

0.15%

$0

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0.15%

$25,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$2,500

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0.15%

$10,000

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| Aug 31, 2020

Great rates and fast loans Read More

0.10%

$2,500

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| May 12, 2016

19 what, years or months Read More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

| May 7, 2021

Becoming a member of SSFCU and breaking free of the traditional profit off consumers through big wealth trenching is the traditional banks as we know today on every corner. The suits will continue to gain... Read More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

0.05%

$2,500

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0.05%

$2,500

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0.05%

$2,500

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| May 7, 2021

Becoming a member of SSFCU and breaking free of the traditional profit off consumers through big wealth trenching is the traditional banks as we know today on every corner. The suits will continue to gain... Read More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.04%

$5

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0.02%

$2,500

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EDU


Restrictions

0.01%

$1

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0.01%

$2,500

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All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


Branches Info across Mississippi


Branch Street City State
CHEVRON
Chevron Chevron Branch
250 Industrial Rd Pascagoula MS
BAXTER
Baxter Baxter Branch
911 N. Davis Avenue Cleveland MS
CHEVRON
Chevron Chevron Branch
250 Industrial Rd Pascagoula MS
CHEVRON
Chevron Chevron Branch
250 Industrial Rd Pascagoula MS
CHEVRON
Chevron Chevron Branch
250 Industrial Rd Pascagoula MS
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
CBC Naval Station, NEX Complex, BLDG 448 Second St Gulfport MS
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
CBC Naval Station, NEX Complex, BLDG 448 Second St Gulfport MS
BAXTER
Baxter Baxter Branch
911 N. Davis Avenue Cleveland MS
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
CBC Naval Station, NEX Complex, BLDG 448 Second St Gulfport MS
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
CBC Naval Station, NEX Complex, BLDG 448 Second St Gulfport MS
BAXTER
Baxter Baxter Branch
911 N. Davis Avenue Cleveland MS
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
CBC Naval Station, NEX Complex, BLDG 448 Second St Gulfport MS
KEESLER
Keesler Keesler Branch
2602 Pass Road Biloxi MS
KEESLER
Keesler Keesler Branch
2602 Pass Road Biloxi MS
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
CBC Naval Station, NEX Complex, BLDG 448 Second St Gulfport MS
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
CBC Naval Station, NEX Complex, BLDG 448 Second St Gulfport MS
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
CBC Naval Station, NEX Complex, BLDG 448 Second St Gulfport MS
CHEVRON
Chevron Chevron Branch
250 Industrial Rd Pascagoula MS
FERGUSON
Ferguson Ferguson Branch
Ferguson FCU, 577 NA Sandifer Hwy Monticello MS
MUNA
Muna Muna Branch
4400 Hwy 39 North Meridian MS
SUNBELT
Central Sunbelt Central Sunbelt Branch
1506 Congress St. Laurel MS
HOPE
Drew Branch Drew Branch
140 W Shaw Ave Drew MS
SUNBELT
Central Sunbelt Central Sunbelt Branch
1506 Congress St. Laurel MS
SINGING RIVER
Singing River Singing River Branch
6006 HIGHWAY 63 MOSS POINT MS
MEMBERS EXCHANGE
Members Exchange Members Exchange Branch
107 Marketridge Drive Ridgeland MS
NAVIGATOR CU
Navigator Cu Navigator Cu Branch
2721 Jerry St.PE. Hwy Pascagoula MS
NAVIGATOR CU
Navigator Cu Navigator Cu Branch
2721 Jerry St.PE. Hwy Pascagoula MS
MEMBERS EXCHANGE
Members Exchange Members Exchange Branch
107 Marketridge Drive Ridgeland MS
BAXTER
Baxter Baxter Branch
911 N. Davis Avenue Cleveland MS
MUTUAL
Mutual Mutual Branch
1604 Cherry St Vicksburg MS
NAVIGATOR CU
Navigator Cu Navigator Cu Branch
2721 Jerry St.PE. Hwy Pascagoula MS
SINGING RIVER
Singing River Singing River Branch
6006 HIGHWAY 63 MOSS POINT MS
NAVIGATOR CU
Navigator Cu Navigator Cu Branch
2721 Jerry St.PE. Hwy Pascagoula MS
MUNA
Muna Muna Branch
4400 Hwy 39 North Meridian MS
HEALTHNET
Healthnet Healthnet Branch
84 Airways Pl Southaven MS
MEMBERS EXCHANGE
Members Exchange Members Exchange Branch
107 Marketridge Drive Ridgeland MS
VERITAS
Veritas Veritas Branch
276 Nissan Pkwy, Ste A Canton MS
NAVIGATOR CU
Navigator Cu Navigator Cu Branch
2721 Jerry St.PE. Hwy Pascagoula MS
CENTURYFIRST
Sm Federal Cu Sm Federal Cu Branch
3318 HARDY ST HATTIESBURG MS
FERGUSON
Ferguson Ferguson Branch
Ferguson FCU, 577 NA Sandifer Hwy Monticello MS
SINGING RIVER
Singing River Singing River Branch
6006 HIGHWAY 63 MOSS POINT MS
GULF COAST COMMUNITY
Gulf Coast Community Gulf Coast Community Branch
12364 Highway 49 Gulfport MS
BAXTER
Baxter Baxter Branch
911 N. Davis Avenue Cleveland MS
MERIDIAN MUTUAL
Meridian Mutual Meridian Mutual Branch
809 26TH AVE MERIDIAN MS
MERIDIAN MUTUAL
Meridian Mutual Meridian Mutual Branch
809 26TH AVE MERIDIAN MS
KEESLER
Keesler Keesler Branch
2602 Pass Road Biloxi MS
SECURTRUST
Securtrust Securtrust Branch
4975 Highway 51 N Senatobia MS
HOPE
Drew Branch Drew Branch
140 W Shaw Ave Drew MS
MUTUAL
Mutual Mutual Branch
1604 Cherry St Vicksburg MS
VERITAS
Veritas Veritas Branch
276 Nissan Pkwy, Ste A Canton MS
SUNBELT
Central Sunbelt Central Sunbelt Branch
1506 Congress St. Laurel MS
FERGUSON
Ferguson Ferguson Branch
Ferguson FCU, 577 NA Sandifer Hwy Monticello MS
SINGING RIVER
Singing River Singing River Branch
6006 HIGHWAY 63 MOSS POINT MS
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
CBC Naval Station, NEX Complex, BLDG 448 Second St Gulfport MS
MERIDIAN MUTUAL
Meridian Mutual Meridian Mutual Branch
809 26TH AVE MERIDIAN MS
FIRST SOUTH FINANCIAL
Southaven Southaven Branch
185 Goodman Rd W Southaven MS
SOUTHERN SECURITY
Southern Security Southern Security Branch
303 West Park Avenue Greenwood MS
FORT FINANCIAL
Fort Financial Fort Financial Branch
1808 Fulton Dr Corinth MS
SOUTHEAST FINANCIAL
Southeast Financial Southeast Financial Branch
102 Highway 72 West Corinth MS
1ST MISSISSIPPI
1st Mississippi 1st Mississippi Branch
600 19th Ave Meridian MS
MERIDIAN MISSISSIPPI ANG
Meridian Mississippi Meridian Mississippi Branch
6225 M ST BLDG 305 MERIDIAN MS
BAXTER
Baxter Baxter Branch
911 N. Davis Avenue Cleveland MS
NAVIGATOR CU
Navigator Cu Navigator Cu Branch
2721 Jerry St.PE. Hwy Pascagoula MS
POWERCO
Powerco Powerco Branch
2207 17th Street Gulfport MS
FORT FINANCIAL
Fort Financial Fort Financial Branch
1808 Fulton Dr Corinth MS
SOUTHEAST FINANCIAL
Southeast Financial Southeast Financial Branch
102 Highway 72 West Corinth MS
RIVERLAND
Jackson Office Jackson Office Branch
1340 Echelon Pkwy Jackson MS
1ST MISSISSIPPI
1st Mississippi 1st Mississippi Branch
600 19th Ave Meridian MS
BAXTER
Baxter Baxter Branch
911 N. Davis Avenue Cleveland MS
F A A
F A A F A A Branch
1804 S. Green St Tupelo MS
POWERCO
Powerco Powerco Branch
2207 17th Street Gulfport MS
HEALTHNET
Healthnet Healthnet Branch
84 Airways Pl Southaven MS
FIRST SOUTH FINANCIAL
Southaven Southaven Branch
185 Goodman Rd W Southaven MS
SOUTHERN SECURITY
Southern Security Southern Security Branch
303 West Park Avenue Greenwood MS
SOUTHEAST FINANCIAL
Southeast Financial Southeast Financial Branch
102 Highway 72 West Corinth MS
STATEWIDE
Statewide Statewide Branch
295 East Layfair Drive Flowood MS
VERITAS
Veritas Veritas Branch
276 Nissan Pkwy, Ste A Canton MS
1ST MISSISSIPPI
1st Mississippi 1st Mississippi Branch
600 19th Ave Meridian MS
GULF COAST COMMUNITY
Gulf Coast Community Gulf Coast Community Branch
12364 Highway 49 Gulfport MS
THE NEW ORLEANS FIREMEN'S
The New Orleans Fire The New Orleans Fire Branch
1620 Goodyear Blvd., Suite C Picayune MS
BAXTER
Baxter Baxter Branch
911 N. Davis Avenue Cleveland MS
MEMBERS EXCHANGE
Members Exchange Members Exchange Branch
107 Marketridge Drive Ridgeland MS
POWERCO
Powerco Powerco Branch
2207 17th Street Gulfport MS
FIRST SOUTH FINANCIAL
Southaven Southaven Branch
185 Goodman Rd W Southaven MS
SOUTHERN SECURITY
Southern Security Southern Security Branch
303 West Park Avenue Greenwood MS
FORT FINANCIAL
Fort Financial Fort Financial Branch
1808 Fulton Dr Corinth MS
SOUTHEAST FINANCIAL
Southeast Financial Southeast Financial Branch
102 Highway 72 West Corinth MS
RIVERLAND
Jackson Office Jackson Office Branch
1340 Echelon Pkwy Jackson MS
GULF COAST COMMUNITY
Gulf Coast Community Gulf Coast Community Branch
12364 Highway 49 Gulfport MS
F A A
F A A F A A Branch
1804 S. Green St Tupelo MS
STATEWIDE
Statewide Statewide Branch
295 East Layfair Drive Flowood MS
BAXTER
Baxter Baxter Branch
911 N. Davis Avenue Cleveland MS
THE NEW ORLEANS FIREMEN'S
The New Orleans Fire The New Orleans Fire Branch
1620 Goodyear Blvd., Suite C Picayune MS


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

SAVINGS & CD CALCULATOR

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