What are the current interest rates at Members Choice Credit Union Ashland, KY?

Current rates for Members Choice Credit Union Ashland, KY include: 12-Month CD: 2.89%, 18-Month CD: 2.89%, 24-Month CD: 3.05%, 60-Month CD: 3.41%

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Members Choice Credit Union Ashland, KY

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Members Choice Credit Union Ashland, KY Rates & Review May 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 10, 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 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 05/10/2026.

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.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.39%

Excellent Higher than avg

Members Choice Credit Union Ashland, KY
RUSSELL ROAD OFFICE

145 RUSSELL RD
ASHLAND, KY 41101

https://www.mccu.net

Members Choice Credit Union Ashland, KY CD Rates

Product	Rate	APY	Term
60 month IRA Certificates	-	3.41%	60
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.39%
48 month IRA Certificates	-	3.30%	48
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.39%
36 month IRA Certificates	-	3.20%	36
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.39%
24 month IRA Certificates	-	3.05%	24
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.39%
30 month IRA Certificates	-	3.05%	30
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.39%
12 month IRA Certificates	-	2.89%	12
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.39%
18 month IRA Certificates	-	2.89%	18
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.39%

Members Choice Credit Union Ashland, KY Checking Rates

Product	Rate	APY	View More
MyChoice Advantage (Checking)	-	5.00%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.39%

Members Choice Credit Union Ashland, KY Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage Loans	-	-	5.75%	15 Year Fixed
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.39%
Mortgage Loans	-	-	6.00%	5 Year Fixed
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.39%
Mortgage Loans	-	-	6.25%	20 Year Fixed
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.39%

Members Choice Credit Union Ashland, KY Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.49%
Details As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.39%

Members Choice Credit Union Ashland, KY Personal Loan Rates

Product	Rate	APR	View More
Personal Loans	-	12.24%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.39%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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

2026 MBR Health & Safety Badge

Members Choice Credit Union Ashland, KY earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Members Choice Credit Union Ashland, KY

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.