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Marine

P.O. Box 1551, Jacksonville, NC 28541
NCUA Insured3.6 (104 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1959

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. Box 1551

Jacksonville, NC 28541

Service Area

This credit union is located in Jacksonville and serves members in the NC area. Currently serving 77,774 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.40%

Used Auto Loan

6.50%

Personal Loan

12.25%

Credit Card APR

12.25%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NC

Lowest rates currently reported by credit unions in NC (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(14 total)

Member Reviews

3.6

104 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Tina Acevedo

Tina Acevedo

5 months ago

Twice now. your ATM machines, one by MHC Walmart and the one by Bojangels in Newport has taken my deposit and stated that “there’s an issue at this time, your cash will be retained. Please contact a branch.” That first one was Nov 25 th and I’m still waiting to see if the “provisional” loan will be rescinded or not. You say you need to send someone out to check the bin. Yet you fixed it and loaded it? No receipt showing the dollar amount I loaded into either machines! This second time, Dec. 26th was the same issue. They say they'll investigate it and get back to me. I feel as if I’m on some Punked show!

Vince P

Vince P

8 months ago

Totally incompetent when it comes to sending wire transfers. The first few times they would call before denying my wire application and now they just deny it even though they are making the same mistakes and after calling them and they say that it won’t happen again, they still mess it up. Part of the problem is that they keep rotating people in and out so everyone is clueless. Whoever is in charge needs to fired.

Ashawndra Edwards (KawaiiSenshi)

Ashawndra Edwards (KawaiiSenshi)

9 months ago

MFCU biggest cons is the policies themselves I have never known any financial institution that charges to do an external ACH transfer to your own accounts before! $5.00 That's mad! They've come a long way with their back office and Mobile Banking functions But man.... there really gonna charge for an ACH transfer .... wow just wow

Rj Royal

Rj Royal

9 months ago

I’ve been banking with marine federal credit union for 4 years and I’ll say that it’s been nothing but politeness, and always a happy smile when dealing with the teller

Richard Austin

Richard Austin

a year ago

This is a terrible financial institution. I’ve had nothing but problems from them since day 1. What really pushed me to change financial institutions was when they stole money out of my account. I had just changed careers and specified I was tight on funds. I had informed them that I was inquiring about refinancing a vehicle loan with them to get all my finances under one roof. They asked me if so and so was my spouse because there was a negative unpaid balance on her account. I had told them she was, and I’d speak with her about that. They had informed me that it may cause issues processing my loan. I had stated that’s fine, but let’s see first if you guys could offer me a better rate. The next morning, when I had checked my account, they had taken her negative balance from my checking account. When contacted, they refused to reimburse the fees. I was told she’s your spouse and your money is her money. I had reached out multiple times about enrolling in the MRAP program to avoid my account going to collections. I had asked if they would please remove the overdrafted feeds associated with the transaction I did not authorize so I could afford the monthly payments. They denied removing the fees and demanded that the money be refunded immediately. Now I’m being told I can no longer make payments on my secure credit card or loan because I cannot have access to my account. I will be informing all my customers and close friends of how terrible they are. I’ll also be contacting military instillation Camp Lejune, NC, that they are a scam and requesting for them to be listed on the blacklisted forums.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).