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    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!

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    I Love My Bank

    Rosebud's Real Food

    "What started as a banking choice out of convenience has turned into a bank that feels like family. The folks at Mutual Federal are always so warm and welcoming and have my best interest in mind, for my personal banking and my business." — Amber Stephenson, Rosebud's Real Food

    Featured Banzai! Articles

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    What is Financial Literacy?

    This Banzai article gives you tips on how to broaden your perspective when it comes to building a financially stable future. It also provides a budgeting calculator to show how much of your money should be put towards necessities, wants, and savings.

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    Financial Wellness Assessment 

    The Financial Wellness Assessment addresses your individual financial decisions—spending, budgeting, and saving habits—before giving you recommendations on where you can improve and how to get started.

    TRY IT NOW

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    Teach Financial Literacy at Home

    Looking for ways to teach your kids how to be mindful of finances? This Banzai article will show you lots of entertaining ways to teach finances in you home.

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    © 2025 Mutual Federal
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    Contact

    121 S. Ohio Avenue
    Sidney, OH 45365

    Routing Number: 274970791

     

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    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.