What are the current interest rates at Members Cooperative Credit Union?

Current rates for Members Cooperative Credit Union include: 12-Month CD: 1.70%, 24-Month CD: 2.10%, 60-Month CD: 2.85%, Savings: 0.05%

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Members Cooperative Credit Union

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Members Cooperative Credit Union Rates & Review November 2026

Q: What CD terms does Members Cooperative Credit Union offer?

Members Cooperative Credit Union CD rates are 3.60% APY for a 12 month CD, 4.10% APY for a 13 month CD, 2.10% APY for a 2 year CD and 2.85% 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 Cooperative Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Members Cooperative Credit Union's MembersPlus 13 Month CD rates are at 4.10%, MembersBasic 13 Month CD rates are at 4.00%, BusinessPlus 12 Month CD rates are at 3.60%, MembersPlus 12 Month CD rates are at 3.60%, BusinessPlus 24 Month CD rates are at 3.40%. Members Cooperative Credit Union's savings rates are at 0.05%. Members Cooperative Credit Union's checking rates are as high as 0.01%. Members Cooperative Credit Union's Personal Loan Rates are as low as 8.99%. Members Cooperative Credit Union's CD rates are 5% higher than the MonitorBankRates national average, and it has an A health rating. 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 10.43%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.43%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Members Cooperative Credit Union
Duluth-Spirit Valley

215 N 40th Ave W
Duluth, MN 55807

https://www.membersccu.org

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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 Cooperative Credit Union CD Rates

Product	Rate	APY	Term
MembersPlus 13 Month Share Certificate	-	4.10%	13 Month
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 13 Month Share Certificate	-	4.10%	13 Month
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 13 Month Share IRA Certificate	-	4.10%	13 months
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 13 Month Share IRA Certificate	-	4.10%	13 months
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 13 Month Share Certificate	-	4.00%	13 Month
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 13 Month Share Certificate	-	4.00%	13 Month
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 13 Month Share IRA Certificate	-	4.00%	13 months
Min Balance $1,000 Details Minimum balance $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 13 Month Share IRA Certificate	-	4.00%	13 months
Min Balance $100,000 Details Minimum balance $100,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessPlus 12 Month Share Certificate	-	3.60%	12 Month
Min Balance $100,000 Details Minimum balance $100,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 12 Month Share Certificate	-	3.60%	12 Month
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 12 Month Share IRA Certificate	-	3.60%	12 months
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessPlus 12 Month Share Certificate	-	3.50%	12 Month
Min Balance $1,000 Details Minimum balance $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 12 Month Share Certificate	-	3.50%	12 Month
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 12 Month Share IRA Certificate	-	3.50%	12 months
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessPlus 24 Month Share Certificate	-	3.40%	24 Month
Min Balance $100,000 Details Minimum balance $100,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 24 Month Share Certificate	-	3.40%	24 Month
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 24 Month Share IRA Certificate	-	3.40%	24 months
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessPlus 60 Month Share Certificate	-	3.35%	60 Month
Min Balance $100,000 Details Minimum balance $100,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 60 Month Share Certificate	-	3.35%	60 Month
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 60 Month Share IRA Certificate	-	3.35%	60 months
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessPlus 36 Month Share Certificate	-	3.30%	36 Month
Min Balance $100,000 Details Minimum balance $100,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessPlus 48 Month Share Certificate	-	3.30%	48 Month
Min Balance $100,000 Details Minimum balance $100,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 36 Month Share Certificate	-	3.30%	36 Month
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 36 Month Share IRA Certificate	-	3.30%	36 months
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 48 Month Share Certificate	-	3.30%	48 Month
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 48 Month Share IRA Certificate	-	3.30%	48 months
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessPlus 60 Month Share Certificate	-	3.25%	60 Month
Min Balance $1,000 Details Minimum balance $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 60 Month Share Certificate	-	3.25%	60 Month
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 60 Month Share IRA Certificate	-	3.25%	60 months
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessPlus 24 Month Share Certificate	-	3.20%	24 Month
Min Balance $1,000 Details Minimum balance $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessPlus 36 Month Share Certificate	-	3.20%	36 Month
Min Balance $1,000 Details Minimum balance $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessPlus 48 Month Share Certificate	-	3.20%	48 Month
Min Balance $1,000 Details Minimum balance $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 24 Month Share Certificate	-	3.20%	24 Month
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 24 Month Share IRA Certificate	-	3.20%	24 months
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 36 Month Share Certificate	-	3.20%	36 Month
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 36 Month Share IRA Certificate	-	3.20%	36 months
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 48 Month Share Certificate	-	3.20%	48 Month
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersPlus 48 Month Share IRA Certificate	-	3.20%	48 months
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessBasic 60 Month Share Certificate	-	2.95%	60 Month
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 60 Month Share Certificate	-	2.95%	60 months
Min Balance $100,000 Details Balance: $100,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 60 Month Share IRA Certificate	-	2.95%	60 months
Min Balance $100,000 Details Minimum balance $100,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessBasic 36 Month Share Certificate	-	2.90%	36 Month
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessBasic 48 Month Share Certificate	-	2.90%	48 Month
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 36 Month Share Certificate	-	2.90%	36 months
Min Balance $100,000 Details Balance: $100,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 36 Month Share IRA Certificate	-	2.90%	36 months
Min Balance $100,000 Details Minimum balance $100,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 48 Month Share Certificate	-	2.90%	48 months
Min Balance $100,000 Details Balance: $100,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 48 Month Share IRA Certificate	-	2.90%	48 months
Min Balance $100,000 Details Minimum balance $100,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessBasic 60 Month Share Certificate	-	2.85%	60 Month
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 60 Month Share Certificate	-	2.85%	60 months
Min Balance $1,000 Details Balance: $1,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 60 Month Share IRA Certificate	-	2.85%	60 months
Min Balance $1,000 Details Minimum balance $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessBasic 36 Month Share Certificate	-	2.80%	36 Month
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessBasic 48 Month Share Certificate	-	2.80%	48 Month
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 36 Month Share Certificate	-	2.80%	36 months
Min Balance $1,000 Details Balance: $1,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 36 Month Share IRA Certificate	-	2.80%	36 months
Min Balance $1,000 Details Minimum balance $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 48 Month Share Certificate	-	2.80%	48 months
Min Balance $1,000 Details Balance: $1,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 48 Month Share IRA Certificate	-	2.80%	48 months
Min Balance $1,000 Details Minimum balance $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessBasic 12 Month Share Certificate	-	2.25%	12 Month
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 12 Month Share Certificate	-	2.25%	12 months
Min Balance $100,000 Details Balance: $100,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 12 Month Share IRA Certificate	-	2.25%	12 months
Min Balance $100,000 Details Minimum balance $100,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Account Youth 24 Month Share Certificate	-	2.20%	24 months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessBasic 24 Month Share Certificate	-	2.20%	24 Month
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 24 Month Share Certificate	-	2.20%	24 months
Min Balance $100,000 Details Balance: $100,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 24 Month Share IRA Certificate	-	2.20%	24 months
Min Balance $100,000 Details Minimum balance $100,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessBasic 12 Month Share Certificate	-	2.15%	12 Month
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 12 Month Share Certificate	-	2.15%	12 months
Min Balance $1,000 Details Balance: $1,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 12 Month Share IRA Certificate	-	2.15%	12 months
Min Balance $1,000 Details Minimum balance $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Account Youth 24 Month Share Certificate	-	2.10%	24 months
Min Balance $250 Details Balance: $250.00 and over Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
BusinessBasic 24 Month Share Certificate	-	2.10%	24 Month
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 24 Month Share Certificate	-	2.10%	24 months
Min Balance $1,000 Details Balance: $1,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
MembersBasic 24 Month Share IRA Certificate	-	2.10%	24 months
Min Balance $1,000 Details Minimum balance $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Account Basic 6 Month Share Certificate	-	2.00%	6 months
Min Balance $1,000 Details Balance: $1,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Account Basic 6 Month Share Certificate	-	2.00%	6 months
Min Balance $100,000 Details Balance: $100,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Product Basic 6 Month Share Certificate	-	2.00%	6 months
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Product Basic 6 Month Share Certificate	-	2.00%	6 months
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Account Youth 12 Month Share Certificate	-	1.80%	12 months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 1.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Account Youth 12 Month Share Certificate	-	1.70%	12 months
Min Balance $250 Details Balance: $250.00 and over Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 1.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Account Basic 3 Month Share Certificate	-	1.25%	3 months
Min Balance $1,000 Details Balance: $1,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Account Basic 3 Month Share Certificate	-	1.25%	3 months
Min Balance $100,000 Details Balance: $100,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Product Basic 3 Month Share Certificate	-	1.25%	3 months
Min Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Product Basic 3 Month Share Certificate	-	1.25%	3 months
Min Balance $100,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%

Members Cooperative Credit Union Savings Rates

Product	Rate	APY
Account Share IRA	-	0.35%
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Account Share Roth	-	0.35%
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Account Share SEP and Share Education	-	0.35%
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Account Share Savings	-	0.05%
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Product Share Savings	-	0.05%
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Secondary Savings	-	0.05%
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Youth Savings	-	0.05%
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%

Members Cooperative Credit Union Checking Rates

Product	Rate	APY
Account Checking	-	0.01%
Min Balance $2,500 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
EcoChoice Checking	-	0.01%
Min Balance $2,500 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%

Members Cooperative Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat and RV Loan	-	5.79%	60 months
Details As Low As; Model Year: 2023 and newer Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 5.79% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Boat and RV Loan	-	6.09%	72 months
Details As Low As; Model Year: 2023 and newer Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.09% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Boat and RV Loan	-	6.19%	84 months
Details As Low As; Model Year: 2023 and newer Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.19% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Boat and RV Loan	-	6.79%	120 months
Details As Low As; Model Year: 2023 and newer Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.79% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Boat and RV Loan	-	6.79%	60 months
Details As Low As; Model Year: 2017 - 2022 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.79% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Boat and RV Loan	-	7.89%	72 months
Details As Low As; Model Year: 2017 - 2022 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.89% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Boat and RV Loan	-	8.39%	84 months
Details As Low As; Model Year: 2017 - 2022 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 8.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%

Members Cooperative Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Line of Credit	8.99%
Details As Low As; Loan Personal Line of Credit Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%

Members Cooperative Credit Union Other Rates

Product	Rate	Points	APY/APR
Loan Credit Builder loan	-	-	5.13%
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.13% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Account Funeral Share Certificate	-	-	2.85%
Min Balance $1,000 Details Balance: $1,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%
Account Funeral Share Certificate	-	-	2.95%
Min Balance $100,000 Details Balance: $100,000.00 minimum Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.43%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Members Cooperative Credit Union’s Texas Ratio rose from 8.99% in Q3 2023 to 10.43% in Q2 2026, so its financial health has held steady at a healthy level 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)

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	$1.2B	10.43%	5.0	A
March 31, 2026	$1.2B	9.51%	5.0	A
December 31, 2025	$1.2B	11.27%	5.0	A
September 30, 2025	$1.2B	11.30%	5.0	A
June 30, 2025	$1.2B	10.20%	5.0	A
March 31, 2025	$1.2B	10.38%	5.0	A
December 31, 2024	$1.2B	13.91%	5.0	A
September 30, 2024	$1.1B	12.60%	5.0	A
June 30, 2024	$1.1B	10.99%	5.0	A
March 31, 2024	$1.2B	12.38%	5.0	A
December 31, 2023	$1.2B	10.10%	5.0	A
September 30, 2023	$1.2B	8.99%	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 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 203

Part-Time Employees 4

Branch Locations 12

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.43%

Return on Assets (ROA)

0.5283%

Return on Equity (ROE)

4.8928%

Non-Performing Loans Ratio (NPL)

1.49%

Total Assets

1,163,556,627

Total Amount of Shares and Deposits

968,654,423

Total Shares and Deposits < 1 Year

924,509,636

Total Shares and Deposits 1 3 Years

38,336,893

Total Shares and Deposits > 3 Years

5,807,892

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

80,180,022

Total Uninsured Shares and Deposits > $250K (F+J)

80,180,022

Total Insured Shares and Deposits > $250K (item 17 less item K)

888,474,401

Total Interest Expense (Sum of items 6 8)

8,000,585

Share Certificates

8,417

Number of Accounts for Share Drafts

45,140

IRA KEOGH Accounts

2,801

Number of Accounts for Regular Shares

71,427

Non Member Deposits

Money Market Shares

5,223

Net Income (unless the amount is already included in Undivided Earnings)

6,147,608

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)

33,898,802

Total Liabilities

1,043,880,130

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Members Cooperative 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Members Cooperative Credit Union

Does Members Cooperative Credit Union offer CDs?

Yes. Members Cooperative Credit Union current CD rates include its MembersPlus 13 Month CD at 4.10% APY, its MembersBasic 13 Month CD at 4.00% APY and its BusinessPlus 12 Month CD at 3.60% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Members Cooperative Credit Union NCUA insured?

Yes. Members Cooperative 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 Cooperative Credit Union?

The highest Members Cooperative Credit Union CD rate is its MembersPlus 13 Month CD at 4.10% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Members Cooperative Credit Union offer?

Members Cooperative Credit Union CD rates are 3.60% APY for a 12 month CD, 4.10% APY for a 13 month CD, 2.10% APY for a 2 year CD and 2.85% 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 Cooperative Credit Union for its full lineup.

What is the highest savings rate at Members Cooperative Credit Union?

The highest Members Cooperative Credit Union savings rate is its Account Savings at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Members Cooperative Credit Union?

The highest Members Cooperative Credit Union checking rate is its Account Checking at 0.01% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Members Cooperative Credit Union?

The lowest Members Cooperative Credit Union personal loan rate is its Personal Line of Credit at 8.99% APR, verified by MonitorBankRates as of October 29, 2026.

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.

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 Cooperative Credit Union rates compare?

Members Cooperative Credit Union's CD rates are 5% higher than the MonitorBankRates national average, and it has an A health rating. Members Cooperative Credit Union's top rates are its MembersPlus 13 Month CD at 4.10% APY, its Account Savings at 0.05% APY, its Account Checking at 0.01% APY and its Personal Line of Credit at 8.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Members Cooperative Credit Union Rates

12-Month CD1.70%
24-Month CD2.10%
60-Month CD2.85%
Savings0.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Members Cooperative Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Members Cooperative Credit Union Texas Ratio

Members Cooperative Credit Union Health Trend

Members Cooperative Credit Union CD Rates

Members Cooperative Credit Union Savings Rates

Members Cooperative Credit Union Checking Rates

Members Cooperative Credit Union RV, Boat and Powersport Loan Rates

Members Cooperative Credit Union Personal Loan Rates

Members Cooperative Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Members Cooperative Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Members Cooperative Credit Union

Does Members Cooperative Credit Union offer CDs?

Are CDs from Members Cooperative Credit Union NCUA insured?

What is the highest CD rate at Members Cooperative Credit Union?

What CD terms does Members Cooperative Credit Union offer?

What is the highest savings rate at Members Cooperative Credit Union?

What is the highest checking rate at Members Cooperative Credit Union?

What is the lowest personal loan rate at Members Cooperative Credit Union?

How many branches does Members Cooperative Credit Union operate?

Is a member application needed to join Members Cooperative Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Members Cooperative Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Members Cooperative Credit Union rates compare?

Current Members Cooperative Credit Union Rates

Compare to Other Credit Unions