New ReportFall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%.Read the report
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Members Advantage Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
Members Advantage Credit Union's CDs - 60 Month rates are at 3.46%, CDs - 48 Month rates are at 3.35%, CDs - 36 Month rates are at 3.10%, CDs - 30 Month rates are at 2.89%, CDs - 24 Month rates are at 2.84%. Members Advantage Credit Union's savings rates are at 3.05%. Members Advantage Credit Union's money market rates are at 1.77%. Members Advantage Credit Union's checking rates are as high as 0.05%. Members Advantage Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.59%. Members Advantage Credit Union's Credit Card Rates are at 11.99%. Members Advantage Credit Union's CD rates are 10% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Members Advantage Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.72%. Rates last updated and verified on 10/29/2026.
Members Advantage Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Members Advantage Credit Union? Share your experience about Members Advantage Credit Union by leaving a review below, or read customer reviews before you decide to use Members Advantage Credit Union.
Members Advantage Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Members Advantage Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
0.72%
ExcellentLower than avg
Members Advantage Credit Union Texas Ratio
Members Advantage Credit Union's Texas Ratio is 0.72%, which is considered excellent and is lower than the national average of 6.13%.
Members Advantage Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.92% to 0.72% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Members Advantage Credit Union CD Rates
Product
Rate
APY
Term
View More
IRA Share Certificate - 60 Month
3.40%
3.46%
60 Month
Min Deposit$1,000
DetailsIRA - $1000 min. deposit; Traditional / Roth and Education SAs
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.46% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Share Certificates - 60 Month
3.40%
3.46%
60 Month
Min Deposit$1,000
DetailsEarly withdrawal will result in penalty
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.46% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Youth Share Certificates - 60 Month
3.40%
3.46%
60 Month
Min Deposit$250
DetailsAges: 0-17; $250 min. deposit
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.46% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
IRA Share Certificate - 48 Month
3.30%
3.35%
48 Month
Min Deposit$1,000
DetailsIRA - $1000 min. deposit; Traditional / Roth and Education SAs
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Share Certificates - 48 Month
3.30%
3.35%
48 Month
Min Deposit$1,000
DetailsEarly withdrawal will result in penalty
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Youth Share Certificates - 48 Month
3.30%
3.35%
48 Month
Min Deposit$250
DetailsAges: 0-17; $250 min. deposit
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
IRA Share Certificate - 36 Month
3.05%
3.10%
36 Month
Min Deposit$1,000
DetailsIRA - $1000 min. deposit; Traditional / Roth and Education SAs
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Share Certificates - 36 Month
3.05%
3.10%
36 Month
Min Deposit$1,000
DetailsEarly withdrawal will result in penalty
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Youth Share Certificates - 36 Month
3.05%
3.10%
36 Month
Min Deposit$250
DetailsAges: 0-17; $250 min. deposit
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
IRA Share Certificate - 30 Month
2.85%
2.89%
30 Month
Min Deposit$1,000
DetailsIRA - $1000 min. deposit; Traditional / Roth and Education SAs
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.89% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Share Certificates - 30 Month
2.85%
2.89%
30 Month
Min Deposit$1,000
DetailsEarly withdrawal will result in penalty
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.89% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
IRA Share Certificate - 24 Month
2.80%
2.84%
24 Month
Min Deposit$1,000
DetailsIRA - $1000 min. deposit; Traditional / Roth and Education SAs
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.84% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Share Certificates - 24 Month
2.80%
2.84%
24 Month
Min Deposit$1,000
DetailsEarly withdrawal will result in penalty
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.84% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
IRA Share Certificate - 18 Month
2.75%
2.79%
18 Month
Min Deposit$1,000
DetailsIRA - $1000 min. deposit; Traditional / Roth and Education SAs
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.79% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Share Certificates - 18 Month
2.75%
2.79%
18 Month
Min Deposit$1,000
DetailsEarly withdrawal will result in penalty
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.79% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
IRA Share Certificate - 12 Month
2.50%
2.53%
12 Month
Min Deposit$1,000
DetailsIRA - $1000 min. deposit; Traditional / Roth and Education SAs
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.53% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Share Certificates - 12 Month
2.50%
2.53%
12 Month
Min Deposit$1,000
DetailsEarly withdrawal will result in penalty
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.53% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Youth Share Certificates - 12 Month
2.50%
2.53%
12 Month
Min Deposit$250
DetailsAges: 0-17; $250 min. deposit
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Share Certificates - 6 Month
1.25%
1.26%
6 Month
Min Deposit$1,000
DetailsEarly withdrawal will result in penalty
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 1.26% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Youth Share Certificates - 6 Month
1.25%
1.26%
6 Month
Min Deposit$250
DetailsAges: 0-17; $250 min. deposit
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Youth Share Certificates - 3 Month
1.00%
1.01%
3 Month
Min Deposit$250
DetailsAges: 0-17; $250 min. deposit
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Members Advantage Credit Union Savings Rates
Product
Rate
APY
View More
Money Market Savings
3.00%
3.05%
Min Deposit$1,000
Min Balance$250,000
DetailsBalance: $250,000.00 or more; $1000 to open/HSA Money Market Savings (no minimum)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Savings
2.75%
2.79%
Min Deposit$1,000
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99; $1000 to open/HSA Money Market Savings (no minimum)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Savings
2.05%
2.07%
Min Deposit$1,000
Min Balance$25,000
DetailsBalance: $25,000.00 - $99,999.99; $1000 to open/HSA Money Market Savings (no minimum)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Christmas Club Accounts
1.25%
1.26%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Vacation Club Accounts
1.25%
1.26%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Savings
0.85%
0.85%
Min Deposit$1,000
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99; $1000 to open/HSA Money Market Savings (no minimum)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
IRA Share Accounts
0.75%
0.75%
DetailsTraditional / Roth and Education SAs
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 0.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Savings
0.75%
0.75%
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1000.00 - $9999.99; $1000 to open/HSA Money Market Savings (no minimum)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Savings
0.65%
0.65%
Min Deposit$1,000
Min Balance$25
DetailsBalance: $25 - $999.99; $1000 to open/HSA Money Market Savings (no minimum)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Kid's Savings
0.15%
0.15%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Regular Share Savings
0.15%
0.15%
DetailsFees may reduce the earnings on these accounts
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Members Advantage Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Savings
3.00%
3.05%
Min Deposit$1,000
Min Balance$250,000
DetailsBalance: $250,000.00 or more; $1000 to open/HSA Money Market Savings (no minimum)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Savings
2.75%
2.79%
Min Deposit$1,000
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99; $1000 to open/HSA Money Market Savings (no minimum)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Savings
2.05%
2.07%
Min Deposit$1,000
Min Balance$25,000
DetailsBalance: $25,000.00 - $99,999.99; $1000 to open/HSA Money Market Savings (no minimum)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Savings
0.85%
0.85%
Min Deposit$1,000
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99; $1000 to open/HSA Money Market Savings (no minimum)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Savings
0.75%
0.75%
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1000.00 - $9999.99; $1000 to open/HSA Money Market Savings (no minimum)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Savings
0.65%
0.65%
Min Deposit$1,000
Min Balance$25
DetailsBalance: $25 - $999.99; $1000 to open/HSA Money Market Savings (no minimum)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Members Advantage Credit Union Checking Rates
Product
Rate
APY
View More
Money Market Sharedraft (checking)
1.75%
1.77%
Min Balance$250,000
DetailsBalance: $250,000.00 or more
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.77% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Sharedraft (checking)
1.50%
1.51%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Sharedraft (checking)
1.25%
1.26%
Min Balance$25,000
DetailsBalance: $25,000.00 - $99,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Sharedraft (checking)
1.00%
1.01%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Sharedraft (checking)
0.50%
0.50%
Min Balance$1,000
DetailsBalance: $1,000.00 - $9999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Money Market Sharedraft (checking)
0.45%
0.45%
Min Balance$25
DetailsBalance: $25 - $999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Traditional Sharedraft (checking)
0.05%
0.05%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Members Advantage Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan - New Autos
-
-
5.09%
36 months
DetailsAs Low As
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 4.99% → 5.09% ▲ 0.10 pts · high 5.09% / low 4.99%
Oct 26, 20265.09%▲ from 4.99%
Oct 13, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Auto Loan - New Autos
-
-
5.19%
48 months
DetailsAs Low As
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 5.09% → 5.19% ▲ 0.10 pts · high 5.19% / low 5.09%
Oct 26, 20265.19%▲ from 5.09%
Oct 13, 20265.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Auto Loan - New Autos
-
-
5.19%
60 months
DetailsAs Low As
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 5.09% → 5.19% ▲ 0.10 pts · high 5.19% / low 5.09%
Oct 26, 20265.19%▲ from 5.09%
Oct 13, 20265.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Auto Loan - New Autos
-
-
5.39%
72 months
DetailsAs Low As
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 5.29% → 5.39% ▲ 0.10 pts · high 5.39% / low 5.29%
Oct 26, 20265.39%▲ from 5.29%
Oct 13, 20265.29%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Auto Loan - Used 2026 to 2020 Autos
-
-
5.49%
48 months
DetailsAs Low As
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Auto Loan - Used 2019 to 2015
-
-
5.69%
36 months
DetailsAs Low As
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Auto Loan - Used 2026 to 2020 Autos
-
-
5.69%
60 months
DetailsAs Low As
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Auto Loan - Used 2019 to 2015
-
-
5.79%
48 months
DetailsAs Low As
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Auto Loan - Used 2019 to 2015
-
-
5.89%
60 months
DetailsAs Low As
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.89% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Auto Loan - 2014 and Older Autos
-
-
6.19%
24 months
DetailsAs Low As
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.19% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Auto Loan - Used 2026 to 2020 Autos
-
-
6.29%
72 months
DetailsAs Low As
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.29% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Auto Loan - 2014 and Older Autos
-
-
6.39%
36 months
DetailsAs Low As
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.39% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Auto Loan - 2014 and Older Autos
-
-
6.69%
48 months
DetailsAs Low As; Minimum amount to finance: $5,000
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Auto Loan - Used 2019 to 2015
-
-
6.69%
72 months
DetailsAs Low As
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Members Advantage Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational & Unsecured Loans - Used: 2018-2025
-
6.59%
Up to 48 months
DetailsAs Low As; Max Term column header has no unit, read as months
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.59% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Recreational & Unsecured Loans - Used: 2018-2025
-
6.79%
Up to 60 months
DetailsAs Low As; Min Amt To Finance: $5,000; Max Term column header has no unit, read as months
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.79% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Recreational & Unsecured Loans - 2021 to 2027 (Boats, Campers, and UTVs)
-
7.19%
Up to 120 months
DetailsAs Low As; Min Amt To Finance: $25,000; Max Term column header has no unit, read as months
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.19% APR · checked 3 times
DetailsAs Low As; Min Amt To Finance: $40,000-$100,000; Max Term column header has no unit, read as months
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 8.69% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Recreational & Unsecured Loans - Unsecured Loans
9.79%
Up to 36 months
DetailsAs Low As; Min Amt To Finance: $500; Max Term column header has no unit, read as months
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 9.79% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Members Advantage Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Escrow Accounts
0.17%
-
0.17%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.17% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Financial Health History
Members Advantage Credit Union’s Texas Ratio stayed near 0.92% in Q3 2023 to 0.72% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$185M
0.72%
5.0
A+
March 31, 2026
$184M
0.50%
5.0
A+
December 31, 2025
$184M
0.60%
5.0
A+
September 30, 2025
$181M
0.47%
5.0
A+
June 30, 2025
$184M
0.57%
5.0
A+
March 31, 2025
$183M
0.80%
5.0
A+
December 31, 2024
$182M
1.39%
5.0
A+
September 30, 2024
$176M
1.34%
5.0
A+
June 30, 2024
$180M
1.10%
5.0
A+
March 31, 2024
$180M
0.98%
5.0
A+
December 31, 2023
$182M
1.57%
5.0
A+
September 30, 2023
$181M
0.92%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Members Advantage Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Members Advantage Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Members Advantage Credit Union's official website for the most current offers and terms.
Address
1610 Lincoln St,
Wisconsin Rapids, WI 54494-5920
Phone715-421-1610
Fax715-421-1617
PresidentThomas Scharff
CEOThomas Bulin
Full-Time Employees25
Part-Time Employees8
Branch Locations2
ATM Locations2
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.72%
Return on Assets (ROA)
0.9123%
Return on Equity (ROE)
4.7435%
Non-Performing Loans Ratio (NPL)
0.21%
Total Assets
185,161,630
Total Amount of Shares and Deposits
146,957,160
Total Shares and Deposits < 1 Year
138,634,678
Total Shares and Deposits 1 3 Years
5,202,162
Total Shares and Deposits > 3 Years
3,120,321
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,340,095
Total Uninsured Shares and Deposits > $250K (F+J)
9,340,095
Total Insured Shares and Deposits > $250K (item 17 less item K)
137,617,065
Total Interest Expense (Sum of items 6 8)
870,162
Share Certificates
981
Number of Accounts for Share Drafts
6,682
IRA KEOGH Accounts
366
Number of Accounts for Regular Shares
13,251
All other shares
618
Money Market Shares
647
Net Income (unless the amount is already included in Undivided Earnings)
1,687,114
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
957,304
Total Liabilities
150,297,602
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Members Advantage Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Members Advantage Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Members Advantage Credit Union
Frequently Asked Questions About Members Advantage Credit Union
Does Members Advantage Credit Union offer CDs?
Yes. Members Advantage Credit Union current CD rates include its CDs - 60 Month at 3.46% APY, its CDs - 48 Month at 3.35% APY and its CDs - 36 Month at 3.10% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Members Advantage Credit Union NCUA insured?
Yes. Members Advantage Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Members Advantage Credit Union?
The highest Members Advantage Credit Union CD rate is its IRA CD - 60 Month at 3.46% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Members Advantage Credit Union offer?
Members Advantage Credit Union CD rates are 2.53% APY for a 12 month CD, 2.79% APY for an 18 month CD, 2.84% APY for a 2 year CD, 2.89% APY for a 30 month CD, 3.10% APY for a 3 year CD, 3.35% APY for a 4 year CD and 3.46% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Members Advantage Credit Union for its full lineup.
What is the highest savings rate at Members Advantage Credit Union?
The highest Members Advantage Credit Union savings rate is its Kid's Savings at 0.15% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Members Advantage Credit Union?
The highest Members Advantage Credit Union money market rate is its Money Market Savings at 3.05% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Members Advantage Credit Union?
The highest Members Advantage Credit Union checking rate is its Money Market Sharedraft (checking) at 1.77% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Members Advantage Credit Union?
The lowest Members Advantage Credit Union auto loan rate is its Auto Loan - New Autos at 5.09% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Members Advantage Credit Union?
The lowest Members Advantage Credit Union personal loan rate is its Recreational & Unsecured Loans - Used: 2018-2025 at 6.59% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Members Advantage Credit Union?
The lowest Members Advantage Credit Union credit card APR is its MasterCard/Visa Classic Credit Card at 11.99% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Members Advantage Credit Union operate?
Members Advantage Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Members Advantage Credit Union?
Yes, to access services at Members Advantage Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Members Advantage Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Members Advantage Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Members Advantage Credit Union offer online and mobile banking?
Most modern institutions like Members Advantage Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.membersadvantagecu.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Members Advantage Credit Union rates compare?
Members Advantage Credit Union's CD rates are 10% lower than the MonitorBankRates national average, and it has an A+ health rating. Members Advantage Credit Union's top rates are its IRA CD - 60 Month at 3.46% APY, its Money Market Savings at 3.05% APY, its Money Market Sharedraft (checking) at 1.77% APY, its Traditional Sharedraft (checking) at 0.05% APY, its Recreational & Unsecured Loans - Used: 2018-2025 at 6.59% APR and its MasterCard/Visa Classic Credit Card at 11.99% APR, verified by MonitorBankRates on October 29, 2026.
Current Members Advantage Credit Union Rates
12-Month CD2.53%
18-Month CD2.79%
24-Month CD2.84%
60-Month CD3.46%
Savings3.05%
MMA1.77%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
