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iAdvertiser Disclosure
Advertiser Disclosure
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 Members Advantage Credit Union Michigan City, IN Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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 30, 2026
Members Advantage Credit Union Michigan City, IN's 14 Mo. CD rates are at 4.50%, 60 Mo. CD rates are at 4.29%, 48 Mo. CD rates are at 4.24%, 36 Mo. CD rates are at 4.18%, 24 Mo. CD rates are at 4.13%. Members Advantage Credit Union Michigan City, IN's savings rates are at 2.46%. Members Advantage Credit Union Michigan City, IN's money market rates are at 2.79%. Members Advantage Credit Union Michigan City, IN's checking rates are as high as 2.43%. Members Advantage Credit Union Michigan City, IN's Personal Loan Rates are as low as 12.99%. Members Advantage Credit Union Michigan City, IN's CD rates are 48% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Members Advantage Credit Union Michigan City, IN with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.96%. Rates last updated and verified on 10/30/2026. Members Advantage Credit Union Michigan City, IN 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 Michigan City, IN? Share your experience about Members Advantage Credit Union Michigan City, IN by leaving a review below, or read customer reviews before you decide to use Members Advantage Credit Union Michigan City, IN. Members Advantage Credit Union Michigan City, IN
Ohio Steet Branch 3064 Ohio St
https://www.macuonline.org Michigan City, IN 46360-6866  Customer Reviews
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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 Michigan City, IN CD Rates
Members Advantage Credit Union Michigan City, IN Savings Rates
Members Advantage Credit Union Michigan City, IN Money Market Rates
Members Advantage Credit Union Michigan City, IN Checking Rates
Members Advantage Credit Union Michigan City, IN Home Equity & HELOC
Members Advantage Credit Union Michigan City, IN RV, Boat and Powersport Loan Rates
Members Advantage Credit Union Michigan City, IN Personal Loan Rates
Members Advantage Credit Union Michigan City, IN Other Rates
Financial Health HistoryMembers Advantage Credit Union Michigan City, IN’s Texas Ratio rose from 1.63% in Q3 2023 to 4.96% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Members Advantage Credit Union Michigan City, IN 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 Michigan City, IN 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 Michigan City, IN's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Members Advantage Credit Union Michigan City, IN
Website
https://www.macuonline.org
Address
3064 Ohio St,
Michigan City, IN 46360-6866
Phone
219-874-6943
Fax
219-873-0568
President
Michael Palmer
CEO
Frank Beachnau
Full-Time Employees
22
Part-Time Employees
2
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.96%
Return on Assets (ROA)
0.2219%
Return on Equity (ROE)
2.3423%
Non-Performing Loans Ratio (NPL)
1.23%
Total Assets
132,187,253
Total Amount of Shares and Deposits
120,463,109
Total Shares and Deposits < 1 Year
115,595,559
Total Shares and Deposits 1 3 Years
2,655,759
Total Shares and Deposits > 3 Years
2,211,791
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,224,633
Total Uninsured Shares and Deposits > $250K (F+J)
3,224,633
Total Insured Shares and Deposits > $250K (item 17 less item K)
117,238,476
Total Interest Expense (Sum of items 6 8)
791,400
Share Certificates
812
Number of Accounts for Share Drafts
5,539
IRA KEOGH Accounts
241
Number of Accounts for Regular Shares
9,280
All other shares
7
Money Market Shares
310
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)
-228,289
Total Liabilities
120,987,267
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Members Advantage Credit Union Michigan City, INDoes Members Advantage Credit Union Michigan City, IN offer CDs?Yes. Members Advantage Credit Union Michigan City, IN current CD rates include its 14 Mo. CD at 4.50% APY, its 60 Mo. CD at 4.289% APY and its 48 Mo. CD at 4.237% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Members Advantage Credit Union Michigan City, IN NCUA insured?Yes. Members Advantage Credit Union Michigan City, IN 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 Michigan City, IN?The highest Members Advantage Credit Union Michigan City, IN CD rate is its 14 Mo. CD at 4.50% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Members Advantage Credit Union Michigan City, IN offer?Members Advantage Credit Union Michigan City, IN CD rates are 4.50% APY for a 14 month CD, 4.133% APY for a 2 year CD, 4.185% APY for a 3 year CD, 4.237% APY for a 4 year CD and 4.289% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Members Advantage Credit Union Michigan City, IN for its full lineup. What is the highest savings rate at Members Advantage Credit Union Michigan City, IN?The highest Members Advantage Credit Union Michigan City, IN savings rate is its Advantage Savings at 2.46% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Members Advantage Credit Union Michigan City, IN?The highest Members Advantage Credit Union Michigan City, IN money market rate is its Max Money Market at 2.785% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Members Advantage Credit Union Michigan City, IN?The highest Members Advantage Credit Union Michigan City, IN checking rate is its Advantage Checking at 2.429% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Members Advantage Credit Union Michigan City, IN?The lowest Members Advantage Credit Union Michigan City, IN personal loan rate is its Signature Loans at 12.99% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Members Advantage Credit Union Michigan City, IN operate?Members Advantage Credit Union Michigan City, IN 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 Michigan City, IN?Yes, to access services at Members Advantage Credit Union Michigan City, IN, 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 Michigan City, IN 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 Michigan City, IN provides members with tools to manage their accounts and build a solid financial history. Does Members Advantage Credit Union Michigan City, IN offer online and mobile banking?Most modern institutions like Members Advantage Credit Union Michigan City, IN 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.macuonline.org. 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 Michigan City, IN rates compare?Members Advantage Credit Union Michigan City, IN's CD rates are 48% higher than the MonitorBankRates national average, and it has an A+ health rating. Members Advantage Credit Union Michigan City, IN's top rates are its 14 Mo. CD at 4.50% APY, its Advantage Savings at 2.46% APY, its Max Money Market at 2.785% APY, its Advantage Checking at 2.429% APY and its Signature Loans at 12.99% APR, verified by MonitorBankRates on October 30, 2026. Current Members Advantage Credit Union Michigan City, IN Rates
Retrieved from our database of financial products. Rates subject to change.
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