Credit union · NCUA insured
MSCU
Top CarrotA $379.1M credit union headquartered in Shelton, CT, with 26,354 members and 10 branches in Connecticut. Best rates: CDs 0.90% and savings 2.25% APY.
MSCU Carrot Score
Carrot ScoreTop Carrot
Higher than 97% of U.S. banks and credit unions
#1 of 38 in Bridgeport, CT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MSCU
Founded in 1954, Mutual Security Credit Union is a 100% member-owned institution serving more than 28,000 members across Western Connecticut.
MSCU holds the Juntos Avanzamos designation, demonstrating its commitment to supporting Latino and immigrant communities across its service area.
- Headquarters
- 1000 Bridgeport Ave Ste 503, Shelton, CT 06484-4602
- NCUA charter
- 68479
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Fairfield, Litchfield, or New Haven counties in Connecticut.
Family and household
- Family members of current members are eligible to join.
Branches
10 branches in Connecticut
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Connecticut
10 branches
Bridgeport area · 6
- Bridgeport Branch3710 Main St, Bridgeport, CT 06606Directions
- Danbury Branch97 Newtown Rd, Danbury, CT 06810Directions
- Utc Dby Branch100 WOOSTER Hts, Danbury, CT 06810Directions
- Norwalk Branch541 Westport Ave, Norwalk, CT 06851Directions
- Boehringer Ingelheim (Brc) Branch900 Ridgebury Rd, (Brc), Ridgefield, CT 06877Directions
- Asml Branch77 Danbury Rd, Wilton, CT 06897Directions
Waterbury area · 3
- Pe Shelton Branch710 Bridgeport Ave, Shelton, CT 06484Directions
- Shelton Branch1000 Bridgeport Ave, Shelton, CT 06484Directions
- Watertown Branch764 Straits Turnpike, Watertown, CT 06795Directions
New Haven area · 1
- Masonicare BranchMasonicare at Ashlar Village, PO Box 70, Wallingford, CT 06492Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.69% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.37% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.31% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $90 | $76 | — |
- CapitalNet worth ratio8.69%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.37%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.31%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$90Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of MSCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.