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iAdvertiser Disclosure
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 Cooperative Credit Union 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.
Read Full Bio →
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 25, 2026
You can compare Members Cooperative Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.21%, 6-month share certificate rates at 1.00% and 3-month share certificate rates at 0.50%. Savings rates are at 0.15% and money market rates are at 3.85%. Mortgage rates on 30-year fixed loans are around 6.16%. All these rates can be compared to Members Cooperative Credit Union rates. MonitorBankRates evaluates the financial stability of Members Cooperative Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.23%. Rates were last updated on 04/25/2026. Members Cooperative 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 Cooperative Credit Union? Share your experience about Members Cooperative Credit Union by leaving a review below, or read customer reviews before you decide to use Members Cooperative Credit Union. Members Cooperative Credit Union
Duluth Spirit Valley 215 N 40th Ave W
https://www.membersccu.org Duluth, MN 55807 
Current Rate AvailabilityWe do not have Members Cooperative Credit Union rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Members Cooperative 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 Cooperative 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 Cooperative Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Members Cooperative Credit Union
Website
https://www.membersccu.org
Address
215 N 40th Ave W,
Duluth, MN 55807
Phone
218-625-8500
Fax
218-624-1571
President
Doris Dahl
CEO
Stephen Ewers
Full-Time Employees
198
Part-Time Employees
5
Branch Locations
12
ATM Locations
12
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
12.23%
Return on Assets (ROA)
0.4154%
Return on Equity (ROE)
4.1006%
Non-Performing Loans Ratio (NPL)
1.53%
Total Assets
1,162,745,310
Total Amount of Shares and Deposits
946,708,791
Total Shares and Deposits < 1 Year
909,218,466
Total Shares and Deposits 1 3 Years
32,034,997
Total Shares and Deposits > 3 Years
5,455,328
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
68,883,329
Total Uninsured Shares and Deposits > $250K (F+J)
68,883,329
Total Insured Shares and Deposits > $250K (item 17 less item K)
877,825,462
Total Interest Expense (Sum of items 6 8)
12,997,886
Share Certificates
8,700
Number of Accounts for Share Drafts
44,377
IRA KEOGH Accounts
2,919
Number of Accounts for Regular Shares
69,247
Non Member Deposits
74
Money Market Shares
5,225
Net Income (unless the amount is already included in Undivided Earnings)
4,829,939
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
25,640,131
Total Liabilities
1,050,635,444
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Members Cooperative Credit UnionIs Members Cooperative Credit Union a safe place to deposit money?Yes, Members Cooperative Credit Union is considered a safe financial institution. With a Texas Ratio of 12.228652935139%, 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 Cooperative Credit Union operate?Members Cooperative 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 Cooperative Credit Union?Yes, to access services at Members Cooperative 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 Cooperative 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 Cooperative Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Members Cooperative Credit Union offer online and mobile banking?Most modern institutions like Members Cooperative 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.membersccu.org. Compare to Other Credit Unions
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