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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.

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    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.

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    Car
    Loans

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

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    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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    Credit Cards

    Do you know the difference between a charge card and an affinity card? What about different kinds of rates? This article will walk you through everything you need to know about credit cards and how they work.

     
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    Best Practices for Using a Credit Card

    Used correctly, your credit card can help you build your credit score and earn rewards. Read all about how to make your card work for you.

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    Using Credit

    Learn all about what it actually means to use credit in your everyday life including key terms, the benefits and downsides, and regulations surrounding credit.

    READ NOW

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    © 2026 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.