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 Members Choice Credit Union Ashland, KY Rates & Review April 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: April 12, 2026
Members Choice Credit Union Ashland, KY's 60 month IRA CDs rates are at 3.41%, 48 month IRA CDs rates are at 3.30%, 36 month IRA CDs rates are at 3.20%, 24 month IRA CDs rates are at 3.05%, 30 month IRA CDs rates are at 3.05%. Members Choice Credit Union Ashland, KY's savings rates are at 0.50%. Members Choice Credit Union Ashland, KY's money market rates are at 1.01%. Members Choice Credit Union Ashland, KY's Personal Loan Rates are at 12.24%. MonitorBankRates evaluates the financial stability of Members Choice Credit Union Ashland, KY with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.39%. Rates were last updated on 04/12/2026. Members Choice Credit Union Ashland, KY 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 Choice Credit Union Ashland, KY? Share your experience about Members Choice Credit Union Ashland, KY by leaving a review below, or read customer reviews before you decide to use Members Choice Credit Union Ashland, KY. Members Choice Credit Union Ashland, KY
RUSSELL ROAD OFFICE 145 RUSSELL RD
https://www.mccu.net ASHLAND, KY 41101 
Members Choice Credit Union Ashland, KY CD Rates
Members Choice Credit Union Ashland, KY Savings Rates
Members Choice Credit Union Ashland, KY Money Market Rates
Members Choice Credit Union Ashland, KY Checking Rates
Members Choice Credit Union Ashland, KY Mortgage Rates
Members Choice Credit Union Ashland, KY Auto Loan Rates
Members Choice Credit Union Ashland, KY Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Members Choice Credit Union Ashland, KY 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 Choice Credit Union Ashland, KY 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 Choice Credit Union Ashland, KY's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Members Choice Credit Union Ashland, KY
Website
https://www.mccu.net
Address
145 RUSSELL RD,
ASHLAND, KY 41101
Phone
606-329-7876
Fax
President
DON NEIKIRK
CEO
Jason Suman
Full-Time Employees
85
Part-Time Employees
0
Branch Locations
7
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.39%
Return on Assets (ROA)
0.3136%
Return on Equity (ROE)
3.8166%
Non-Performing Loans Ratio (NPL)
0.90%
Total Assets
411,328,391
Total Amount of Shares and Deposits
370,888,707
Total Shares and Deposits < 1 Year
316,532,128
Total Shares and Deposits 1 3 Years
49,033,759
Total Shares and Deposits > 3 Years
5,322,820
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
34,590,087
Total Uninsured Shares and Deposits > $250K (F+J)
34,590,087
Total Insured Shares and Deposits > $250K (item 17 less item K)
336,298,620
Total Interest Expense (Sum of items 6 8)
6,579,137
Share Certificates
2,673
Number of Accounts for Share Drafts
12,056
IRA KEOGH Accounts
1,215
Number of Accounts for Regular Shares
29,952
All other shares
144
Money Market Shares
1,245
Net Income (unless the amount is already included in Undivided Earnings)
1,290,019
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,495,871
Total Liabilities
377,527,922
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Members Choice Credit Union Ashland, KYIs Members Choice Credit Union Ashland, KY a safe place to deposit money?Yes, Members Choice Credit Union Ashland, KY is considered a safe financial institution. With a Texas Ratio of 7.394205092243%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Members Choice Credit Union Ashland, KY operate?Members Choice Credit Union Ashland, KY 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 Choice Credit Union Ashland, KY?Yes, to access services at Members Choice Credit Union Ashland, KY, 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 Choice Credit Union Ashland, KY 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 Choice Credit Union Ashland, KY provides members with tools to manage their accounts and build a solid financial history. Does Members Choice Credit Union Ashland, KY offer online and mobile banking?Most modern institutions like Members Choice Credit Union Ashland, KY 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.mccu.net. Current Members Choice Credit Union Ashland, KY Rates
Retrieved from our database of financial products. Rates subject to change.
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