Mutual Credit Union
Verified rate book
Current Mutual Credit Union rates
81 published offers verified as of August 4, 2026.
Mortgage rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Land Loans (Loan Land)other | 8.440% APR | 8.440% | — | Standard |
| Land Loanother | 8.440% APR | 8.440% | — | Standard |
| Loan Landother | 8.440% APR | 8.440% | — | Standard |
| Mobile Homeother | 9.750% APR | 9.750% | — | Standard |
| Home Land Loans (Loan Mobile Home (New or Used))other | 9.750% APR | 9.750% | — | Standard |
| Loan Mobile Home (New or Used)other | 9.750% APR | 9.750% | — | Standard |
Auto & vehicle rates
41 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 36-Month Used Auto Loanauto_used_36mo | 3.990% APR | 3.990% | 36 mo · used | Standard |
| Up to 24-Month Used Auto Loanauto_used_24mo | 3.990% APR | 3.990% | 24 mo · used | Standard |
| Up to 36-Month New Auto Loanauto_new_36mo | 3.990% APR | 3.990% | 36 mo · new | Standard |
| Used Auto Loanauto_used | 3.990% APR | 3.990% | used | Standard |
| Up to 24-Month New Auto Loanauto_new_24mo | 3.990% APR | 3.990% | 24 mo · new | Standard |
| Up to 48-Month New Auto Loanauto_new_48mo | 4.190% APR | 4.190% | 48 mo · new | Standard |
| Up to 48-Month Used Auto Loanauto_used_48mo | 4.190% APR | 4.190% | 48 mo · used | Standard |
| Up to 60-Month Used Auto Loanauto_used_60mo | 4.990% APR | 4.990% | 60 mo · used | Standard |
| Up to 60-Month New Auto Loanauto_new_60mo | 4.990% APR | 4.990% | 60 mo · new | Standard |
| Motorcycles (New Used) and ATVs (New Used) (Terms Up to 24 Months)motorcycle_any_24mo | 5.790% APR | 5.790% | 24 mo · any | Standard |
| Boats and RVsboat_any_24mo | 5.790% APR | 5.790% | 24 mo | Standard |
| Motorcycles and ATVsmotorcycle_any_24mo | 5.790% APR | 5.790% | 24 mo | Standard |
| Boats (New Used) and RVs (New Used) (Terms Up to 24 Months)boat_any_24mo | 5.790% APR | 5.790% | 24 mo · any | Standard |
| Boats (New Used) and RVs (New Used) (Terms Up to 36 Months)boat_any_36mo | 5.890% APR | 5.890% | 36 mo · any | Standard |
| Motorcycles and ATVsmotorcycle_any_36mo | 5.890% APR | 5.890% | 36 mo | Standard |
| Motorcycles (New Used) and ATVs (New Used) (Terms Up to 36 Months)motorcycle_any_36mo | 5.890% APR | 5.890% | 36 mo · any | Standard |
| Boats and RVsboat_any_36mo | 5.890% APR | 5.890% | 36 mo | Standard |
| Up to 72-Month Used Auto Loanauto_used_72mo | 5.890% APR | 5.890% | 72 mo · used | Standard |
| Up to 72-Month New Auto Loanauto_new_72mo | 5.890% APR | 5.890% | 72 mo · new | Standard |
| Motorcycles and ATVsmotorcycle_any_48mo | 6.090% APR | 6.090% | 48 mo | Standard |
| Boats and RVsboat_any_48mo | 6.090% APR | 6.090% | 48 mo | Standard |
| Boats (New Used) and RVs (New Used) (Terms Up to 48 Months)boat_any_48mo | 6.090% APR | 6.090% | 48 mo · any | Standard |
| Motorcycles (New Used) and ATVs (New Used) (Terms Up to 48 Months)motorcycle_any_48mo | 6.090% APR | 6.090% | 48 mo · any | Standard |
| Up to 84-Month New Auto Loanauto_new_84mo | 6.390% APR | 6.390% | 84 mo · new | Standard |
| Up to 84-Month Used Auto Loanauto_used_84mo | 6.390% APR | 6.390% | 84 mo · used | Standard |
| Motorcycles (New Used) and ATVs (New Used) (Terms Up to 60 Months)motorcycle_any_60mo | 6.590% APR | 6.590% | 60 mo · any | Standard |
| Boats and RVsboat_any_60mo | 6.590% APR | 6.590% | 60 mo | Standard |
| Motorcycles and ATVsmotorcycle_any_60mo | 6.590% APR | 6.590% | 60 mo | Standard |
| Boats (New Used) and RVs (New Used) (Terms Up to 60 Months)boat_any_60mo | 6.590% APR | 6.590% | 60 mo · any | Standard |
| Motorcycles (New Used) and ATVs (New Used) (Terms Up to 72 Months)motorcycle_any_72mo | 7.190% APR | 7.190% | 72 mo · any | Standard |
| Motorcycles and ATVsmotorcycle_any_72mo | 7.190% APR | 7.190% | 72 mo | Standard |
| Boats and RVsboat_any_72mo | 7.190% APR | 7.190% | 72 mo | Standard |
| Boats (New Used) and RVs (New Used) (Terms Up to 72 Months)boat_any_72mo | 7.190% APR | 7.190% | 72 mo · any | Standard |
| Motorcycles and ATVsmotorcycle_any_84mo | 7.290% APR | 7.290% | 84 mo | Standard |
| Motorcycles (New Used) and ATVs (New Used) (Terms Up to 84 Months)motorcycle_any_84mo | 7.290% APR | 7.290% | 84 mo · any | Standard |
| Boats (New Used) and RVs (New Used) (Terms Up to 84 Months)boat_any_84mo | 7.390% APR | 7.390% | 84 mo · any | Standard |
| Boats and RVsboat_any_84mo | 7.390% APR | 7.390% | 84 mo | Standard |
| Boats and RVsboat_any_96mo | 7.790% APR | 7.790% | 96 mo | Standard |
| Boats (New Used) and RVs (New Used) (Terms Up to 96 Months)boat_any_96mo | 7.790% APR | 7.790% | 96 mo · any | Standard |
| Boats (New Used) and RVs (New Used) (Terms Up to 120 Months)boat_any_120mo | 7.990% APR | 7.990% | 120 mo · any | Standard |
| Boats and RVsboat_any_120mo | 7.990% APR | 7.990% | 120 mo | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 2nd HELOC (>80% LTV)heloc_variable | 4.990% APR | 4.990% | — | Standard |
| 1st HELOC (>90% LTV)heloc_variable | 4.990% APR | 4.990% | — | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Signature Loanpersonal_unsecured | 7.990% APR | 7.990% | — | Standard |
| 72-Month Signature Loanpersonal_unsecured_72mo | 7.990% APR | 7.990% | 72 mo | Standard |
| Personal Loans (Loan FlashCash)personal_unsecured | 28.000% APR | 28.000% | — | Standard |
Savings & CD rates
28 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Business Certificates (Term 6 Month)cd_6mo | 0.15% APY | 0.15% | 6 mo | Standard |
| 3-Month Certificatecd_3mo | 0.15% APY | 0.15% | 3 mo | Standard |
| IRAs (Term 6 Month)ira | 0.15% APY | 0.15% | 6 mo | Standard |
| Account Share Savings 1share_savings | 0.25% APY | 0.25% | — | Standard |
| Account Secondary Savingssavings | 0.25% APY | 0.25% | — | Standard |
| IRAs (Term IRA Share Account)ira | 0.25% APY | 0.25% | — | Standard |
| 8-Month Certificatecd_8mo | 0.25% APY | 0.25% | 8 mo | Standard |
| Business Certificates (Term 12 Month)cd_12mo | 0.35% APY | 0.35% | 12 mo | Standard |
| IRAs (Term 12 Month)ira | 0.35% APY | 0.35% | 12 mo | Standard |
| Business Certificates (Term 18 Month)cd_18mo | 0.40% APY | 0.40% | 18 mo | Standard |
| Investment Accounts (Account Mutual Asset Management Account (MAMA))savings | 0.40% APY | 0.40% | — | Standard |
| Investment Accounts (Account Premier Money Market Account (Tiered Rate Account))money_market | 0.40% APY | 0.40% | — | Standard |
| IRAs (Term 18 Month)ira | 0.40% APY | 0.40% | 18 mo | Standard |
| Account MY Investment Account 1savings | 0.50% APY | 0.50% | — | Standard |
| Business Certificates (Term 24 Month)cd_24mo | 0.50% APY | 0.50% | 24 mo | Standard |
| IRAs (Term 24 Month)ira | 0.50% APY | 0.50% | 24 mo | Standard |
| Business Certificates (Term 30 Month)cd_30mo | 0.60% APY | 0.60% | 30 mo | Standard |
| IRAs (Term 30 Month)ira | 0.60% APY | 0.60% | 30 mo | Standard |
| Business Certificates (Term 36 Month)cd_36mo | 0.70% APY | 0.70% | 36 mo | Standard |
| IRAs (Term 36 Month)ira | 0.70% APY | 0.70% | 36 mo | Standard |
| Business Certificates (Term 48 Month)cd_48mo | 0.75% APY | 0.75% | 48 mo | Standard |
| IRAs (Term 48 Month)ira | 0.75% APY | 0.75% | 48 mo | Standard |
| Investment Accounts (Account Premier Money Market Account)money_market | 1.50% APY | 1.50% | — | Standard |
| Investment Accounts (Account Premier Money Market Account)money_market | 2.50% APY | 2.50% | — | Standard |
| 18-Month Certificatecd_18mo | 3.00% APY | 3.00% | 18 mo | Standard |
| 12-Month Certificatecd_12mo | 3.75% APY | 3.75% | 12 mo | Standard |
| Limited-Time Certificateshare_certificate | 4.25% APY | 4.25% | — | Standard |
| 8-Month Certificatecd_8mo | 4.25% APY | 4.25% | 8 mo | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Loan FlashCashother | 28.000% % | 28.000% | — | Standard |
As of August 4, 2026, Mutual Credit Union offers mortgage rates from 8.44% APR. Vehicle loans available from 3.99% APR for 36 months. HELOC rates from 4.99% APR. Personal loan rates from 7.99% APR. Savings and certificate yields up to 4.25% APY.
Source: RateAPI.dev, verified from Mutual Credit Union's official website
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About Mutual Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 42.4K
- Assets
- $517.3M
- Founded
- 1931
- Locations reported
- 11
- NCUA charter
- 24948
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- Student scholarships
- Credit-builder products
- Payday Alternative Loans I
- Payday Alternative Loans II
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join Mutual Credit Union
Membership eligibility from Mutual Credit Union's own published criteria. How we verify this.
Community charter: live/work in MS, AL, LA +2 more
- LocationMS, AL, LA, AR, TN
Cost to join: About $15.
Verified from Mutual Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Mutual Credit Union?
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Frequently Asked Questions
What rates does Mutual Credit Union offer?
Mutual Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Mutual Credit Union rates updated?
RateAPI verifies Mutual Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Mutual Credit Union's rate data?
Rate data is collected directly from Mutual Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Mutual Credit Union's mortgage rate?
As of August 4, 2026, Mutual Credit Union offers mortgage rates from 8.44% APR.
What are Mutual Credit Union's auto, boat & motorcycle loan rates?
As of August 4, 2026, Mutual Credit Union offers vehicle loans from 3.99% APR.
What is Mutual Credit Union's HELOC rate?
As of August 4, 2026, Mutual Credit Union offers home equity lines of credit from 4.99% APR.
What is Mutual Credit Union's personal loan rate?
As of August 4, 2026, Mutual Credit Union offers personal loans from 7.99% APR.
What is Mutual Credit Union's best CD rate?
As of August 4, 2026, Mutual Credit Union offers savings and certificate (CD) yields up to 4.25% APY.
Related Rate Data
Compare Mutual Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Mutual Credit Union
curl "https://api.rateapi.dev/credit-unions/mississippi/mutual" \
-H "Authorization: Bearer YOUR_API_KEY"