--- title: "Mutual Credit Union Rates - Mississippi" description: "Current mortgage, vehicle loan, heloc, personal loan, and savings & cd rates from Mutual Credit Union in Mississippi. Updated daily with source verification. See who can join Mutual Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/mississippi/mutual" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mutual Credit Union Rates - Mississippi ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Loan Land** other | — APR | 8.970% | — | Standard | | **Home Land Loans (Loan Land)** other | — APR | 8.970% | — | Standard | | **Home Land Loans (Loan Mobile Home (New or Used))** other | — APR | 9.750% | — | Standard | | **Loan Mobile Home (New or Used)** other | — APR | 9.750% | — | Standard | Mutual Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 27 offers | Product | Published | Rate | Term / condition | Status | | **Used Auto Loan** auto_used | — APR | 3.990% | used | Standard | | **Up to 36-Month Used Auto Loan** auto_used_36mo | — APR | 3.990% | 36 mo · used | Standard | | **Up to 24-Month New Auto Loan** auto_new_24mo | — APR | 3.990% | 24 mo · new | Standard | | **Up to 24-Month Used Auto Loan** auto_used_24mo | — APR | 3.990% | 24 mo · used | Standard | | **Up to 36-Month New Auto Loan** auto_new_36mo | — APR | 3.990% | 36 mo · new | Standard | | **Up to 48-Month New Auto Loan** auto_new_48mo | — APR | 4.190% | 48 mo · new | Standard | | **Up to 48-Month Used Auto Loan** auto_used_48mo | — APR | 4.190% | 48 mo · used | Standard | | **Up to 60-Month Used Auto Loan** auto_used_60mo | — APR | 4.990% | 60 mo · used | Standard | | **Up to 60-Month New Auto Loan** auto_new_60mo | — APR | 4.990% | 60 mo · new | Standard | | **Boats (New Used) and RVs (New Used) (Terms Up to 24 Months)** boat_any_24mo | — APR | 5.790% | 24 mo · any | Standard | | **Motorcycles (New Used) and ATVs (New Used) (Terms Up to 24 Months)** motorcycle_any_24mo | — APR | 5.790% | 24 mo · any | Standard | | **Up to 72-Month New Auto Loan** auto_new_72mo | — APR | 5.890% | 72 mo · new | Standard | | **Boats (New Used) and RVs (New Used) (Terms Up to 36 Months)** boat_any_36mo | — APR | 5.890% | 36 mo · any | Standard | | **Up to 72-Month Used Auto Loan** auto_used_72mo | — APR | 5.890% | 72 mo · used | Standard | | **Motorcycles (New Used) and ATVs (New Used) (Terms Up to 36 Months)** motorcycle_any_36mo | — APR | 5.890% | 36 mo · any | Standard | | **Boats (New Used) and RVs (New Used) (Terms Up to 48 Months)** boat_any_48mo | — APR | 6.090% | 48 mo · any | Standard | | **Motorcycles (New Used) and ATVs (New Used) (Terms Up to 48 Months)** motorcycle_any_48mo | — APR | 6.090% | 48 mo · any | Standard | | **Up to 84-Month Used Auto Loan** auto_used_84mo | — APR | 6.390% | 84 mo · used | Standard | | **Up to 84-Month New Auto Loan** auto_new_84mo | — APR | 6.390% | 84 mo · new | Standard | | **Boats (New Used) and RVs (New Used) (Terms Up to 60 Months)** boat_any_60mo | — APR | 6.590% | 60 mo · any | Standard | | **Motorcycles (New Used) and ATVs (New Used) (Terms Up to 60 Months)** motorcycle_any_60mo | — APR | 6.590% | 60 mo · any | Standard | | **Motorcycles (New Used) and ATVs (New Used) (Terms Up to 72 Months)** motorcycle_any_72mo | — APR | 7.190% | 72 mo · any | Standard | | **Boats (New Used) and RVs (New Used) (Terms Up to 72 Months)** boat_any_72mo | — APR | 7.190% | 72 mo · any | Standard | | **Motorcycles (New Used) and ATVs (New Used) (Terms Up to 84 Months)** motorcycle_any_84mo | — APR | 7.290% | 84 mo · any | Standard | | **Boats (New Used) and RVs (New Used) (Terms Up to 84 Months)** boat_any_84mo | — APR | 7.390% | 84 mo · any | Standard | | **Boats (New Used) and RVs (New Used) (Terms Up to 96 Months)** boat_any_96mo | — APR | 7.790% | 96 mo · any | Standard | | **Boats (New Used) and RVs (New Used) (Terms Up to 120 Months)** boat_any_120mo | — APR | 7.990% | 120 mo · any | Standard | Mutual Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **2nd HELOC (>80% LTV)** heloc_variable | — APR | 4.990% | — | Standard | | **1st HELOC (>90% LTV)** heloc_variable | — APR | 4.990% | — | Standard | Mutual Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 7.990% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 9.990% | — | Standard | | **72-Month Signature Loan** personal_unsecured_72mo | — APR | 9.990% | 72 mo | Standard | | **Personal Loans (Loan FlashCash)** personal_unsecured | — APR | 28.000% | — | Standard | Mutual Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 28 offers | Product | Published | Rate | Term / condition | Status | | **3-Month Certificate** cd_3mo | — APY | 0.15% | 3 mo | Context only | | **IRAs (Term 6 Month)** ira | — APY | 0.15% | 6 mo | Standard | | **Business Certificates (Term 6 Month)** cd_6mo | — APY | 0.15% | 6 mo | Eligibility restricted | | **IRAs (Term IRA Share Account)** ira | — APY | 0.25% | — | Standard | | **8-Month Certificate** cd_8mo | — APY | 0.25% | 8 mo | Context only | | **Account Share Savings 1** share_savings | — APY | 0.25% | — | Standard | | **Account Secondary Savings** savings | — APY | 0.25% | — | Standard | | **Business Certificates (Term 12 Month)** cd_12mo | — APY | 0.35% | 12 mo | Eligibility restricted | | **IRAs (Term 12 Month)** ira | — APY | 0.35% | 12 mo | Standard | | **Investment Accounts (Account Premier Money Market Account (Tiered Rate Account))** money_market | — APY | 0.40% | — | Standard | | **Business Certificates (Term 18 Month)** cd_18mo | — APY | 0.40% | 18 mo | Eligibility restricted | | **IRAs (Term 18 Month)** ira | — APY | 0.40% | 18 mo | Standard | | **Investment Accounts (Account Money Market Account)** money_market | — APY | 0.40% | — | Standard | | **Business Certificates (Term 24 Month)** cd_24mo | — APY | 0.50% | 24 mo | Eligibility restricted | | **Account MY Investment Account 1** savings | — APY | 0.50% | — | Standard | | **IRAs (Term 24 Month)** ira | — APY | 0.50% | 24 mo | Standard | | **IRAs (Term 30 Month)** ira | — APY | 0.60% | 30 mo | Standard | | **Business Certificates (Term 30 Month)** cd_30mo | — APY | 0.60% | 30 mo | Eligibility restricted | | **IRAs (Term 36 Month)** ira | — APY | 0.70% | 36 mo | Standard | | **Business Certificates (Term 36 Month)** cd_36mo | — APY | 0.70% | 36 mo | Eligibility restricted | | **Business Certificates (Term 48 Month)** cd_48mo | — APY | 0.75% | 48 mo | Eligibility restricted | | **IRAs (Term 48 Month)** ira | — APY | 0.75% | 48 mo | Standard | | **Investment Accounts (Account Premier Money Market Account)** money_market | — APY | 1.50% | — | Standard | | **Investment Accounts (Account Premier Money Market Account)** money_market | — APY | 2.50% | — | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.00% | 18 mo | Context only | | **12-Month Certificate** cd_12mo | — APY | 3.75% | 12 mo | Context only | | **8-Month Certificate** cd_8mo | — APY | 4.25% | 8 mo | Context only | | **Limited-Time Certificate** share_certificate | — APY | 4.25% | — | Standard | Mutual Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Loan FlashCash** other | — % | 28.000% | — | Standard | Mutual Credit Union other rates as of November 12, 2026 Mutual Credit Union is a credit union in Mississippi. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/mississippi/mutual) , verified from [Mutual Credit Union's official website](https://www.mutualcu.org/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Vicksburg Railroad** Vicksburg Railroad Credit Union · Vicksburg · MS · 39180-3805 Branch in the same ZIP](https://rateapi.dev/credit-unions/mississippi/vicksburg-railroad) [**Vickswood** Vicksburg Main Branch · Vicksburg · MS · 39183 About 16.0 miles away](https://rateapi.dev/credit-unions/mississippi/vickswood) [**Riverland** Grand Gulf Branch · Port Gibson · MS · 39150 About 18.2 miles away](https://rateapi.dev/credit-unions/louisiana/riverland) [**Hope** Utica · Utica · MS · 39175 About 20.5 miles away](https://rateapi.dev/credit-unions/mississippi/hope) [**Jackson Area** JAFCU-Clinton · Clinton · MS · 39056 About 34.5 miles away](https://rateapi.dev/credit-unions/mississippi/jackson-area) [**Centuryfirst** Clinton Office · Clinton · MS · 39056-5337 About 35.3 miles away](https://rateapi.dev/credit-unions/mississippi/centuryfirst) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Mutual Credit Union Membership eligibility from Mutual Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in MS, AL, LA +2 more - Location MS, AL, LA, AR, TN **Cost to join:** About $15. Verified from [Mutual Credit Union's membership page](https://www.mutualcu.org/) . Final membership determination is always made by the credit union. ## Work at Mutual Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Mutual Credit Union ranks against Mississippi peers. - See which AI assistants fetched Mutual Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Mississippi - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=mutual&state=mississippi&code=MS&name=Mutual%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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. ### Who can join Mutual Credit Union? Community charter: live/work in MS, AL, LA +2 more ## Related Rate Data Compare Mutual Credit Union's rates against national credit-union benchmarks. [More Mississippi credit unions](https://rateapi.dev/credit-unions/mississippi) [Mississippi mortgage rate leaders](https://rateapi.dev/mortgage-rates/mississippi) [Mississippi auto loan rate leaders](https://rateapi.dev/auto-loan-rates/mississippi) [Mississippi HELOC rate leaders](https://rateapi.dev/heloc-rates/mississippi) [Mississippi personal loan leaders](https://rateapi.dev/personal-loan-rates/mississippi) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.mutualcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Mutual Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Mississippi credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Mutual Credit Union curl "https://api.rateapi.dev/credit-unions/mississippi /mutual " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Mutual Credit Union locations Search, filter, and browse all 11 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/mississippi/mutual Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp