Heloc-Special-Jan2025-hero
    Mutual-Federal-logo-wht
    DGTT-white-transp

    Let’s do great things together.

    Whether you’re opening your first savings account, applying for a loan, or buying your dream home, count on us to be your trusted advisor.

    Checking
    Accounts

    Whether you want just the basics or an account with added benefits, we have an account to fit your financial needs. 

    Use

    Savings
    Accounts

    Build financial security through effective saving strategies. Find your pathway to economic strength and stability. 

    Save

    Home
    Loans

    From building to buying, or taking out equity on your current home, we have options to help you meet your goals.

    Live

    Car
    Loans

    Shop for your new car, truck, or SUV with confidence when you have a pre-approval from Mutual Federal.

    Drive

    Banking whenever, wherever you are.

    Our powerful digital banking tools make it easier to manage your money. Not only can you open accounts, pay your loans & bills, view transactions & statements and order checks, but you also have added personal finance and security features built into your digital experience!

    Open Online

    In a matter of minutes, you can open a variety of accounts online.

    Card Control

    Manage your debit card usage by defining when, where, and how your card is used.

    Financial Tools

    No need to have multiple online accounts with multiple bank and credit card relationships.

    Mobile Deposit

    Deposit checks instantly by using your mobile camera features.

    Card Swap

    Apply and monitor your debit card information across all your favorite subscriptions.

    People Pay

    Send money without missing a beat with People Pay.

    Know more!

    Featured Banzai! Articles

    article-federal-income-tax-hero

    Federal Income Taxes

    Always asking yourself why taxes matter? Here’s a quick look at what they are and why we pay them.

    READ NOW

    article-Tax-Status-&-Benefits-hero

    Taxes Brackets and Statuses

    Always wondered what determines how much taxes you’re required to pay? Learn more with our Tax Brackets and Statuses article.

    READ NOW

    paying-taxes

    Paying Taxes

    If you plan ahead, you can make decisions that will reduce or postpone the tax you owe. Take a look at this article to learn more.

    READ NOW

    DGTT-white-transp

    © 2025 Mutual Federal
    Navigation
    Contact

    121 S. Ohio Avenue
    Sidney, OH 45365

    Routing Number: 274970791

     

    FDIC-EHL

     

    If you use links provided on the Mutual Federal website that redirect to a third party website, you are acknowledging that you are leaving www.mutualfederal.com and are going to a website that is not operated by Mutual Federal, a division of First Bank Richmond. Mutual Federal is not responsible for the content or availability of linked sites. Mutual Federal does not represent either the third party or the visitor if a transaction is entered. In addition, privacy and security policies may differ from those at Mutual Federal.