Credit union · NCUA insured
Mutual Credit Union
A $517.3M credit union headquartered in Vicksburg, MS, with 42,421 members and 11 branches in Mississippi. Best rates: CDs 4.25% and savings 0.40% APY.
Mutual Credit Union Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#14 of 26 in Jackson, MS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mutual Credit Union
Mutual Credit Union serves individuals who live, work, worship, volunteer, or attend school within its designated service area across Mississippi, Alabama, Louisiana, Arkansas, and Tennessee.
- Headquarters
- 1604 Cherry St, Vicksburg, MS 39180
- NCUA charter
- 24948
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to anyone who lives, works, worships, volunteers, or attends school within the credit union's designated service area across counties and parishes in Mississippi, Alabama, Louisiana, Arkansas, and Tennessee.
Cost to join
- Members can join the credit union with as little as $15.
Branches
11 branches in Mississippi
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Mississippi
11 branches
Jackson area · 5
- Clinton500 Clinton Center Drive, Clinton, MS 39056Directions
- Ummc100 Alumni Drive, Jackson, MS 39216Directions
- Raymond503 E Main St, Raymond, MS 39154Directions
- Ridgeland325 Commerce Center Drive, Ridgeland, MS 39157Directions
- Yazoo City Branch1505 Grand Ave, Yazoo City, MS 39194Directions
Vicksburg area · 3
- Mutual Credit UnionMain office1604 Cherry St, Vicksburg, MS 39180Directions
- Clay Street4210 Clay St, Vicksburg, MS 39183Directions
- South Frontage Road Branch2086 S Frontage Rd, Vicksburg, MS 39180Directions
Columbus area · 1
- Columbus108 Alabama St, Columbus, MS 39702Directions
Grenada area · 1
- Grenada960 J K Avent Drive, Grenada, MS 38901Directions
Oxford area · 1
- Jackson Avenue1101 Jackson Avenue, Oxford, MS 38655Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.98% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.08% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.75% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $64 | $76 | — |
- CapitalNet worth ratio13.98%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.08%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.75%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$64Peers’ 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 Mutual Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.