|
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 Heritage Credit Union 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.
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 and Verified: October 30, 2026
Members Heritage Credit Union's CD - 15-Month rates are at 4.25%, CD - 1-Year rates are at 4.00%. Members Heritage Credit Union's Personal Loan Rates are as low as 9.75%. Members Heritage Credit Union's Credit Card Rates are at 9.75%. Members Heritage Credit Union's CD rates are 33% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Members Heritage Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.52%. Rates last updated and verified on 10/30/2026. Members Heritage 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 Heritage Credit Union? Share your experience about Members Heritage Credit Union by leaving a review below, or read customer reviews before you decide to use Members Heritage Credit Union. Members Heritage Credit Union
Park Place 440 Park Pl
https://www.membersheritage.org Lexington, KY 40511-1829  Customer Reviews
Be the first to review
Write a Review
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 Heritage Credit Union CD Rates
Members Heritage Credit Union Home Equity & HELOC
Members Heritage Credit Union RV, Boat and Powersport Loan Rates
Members Heritage Credit Union Credit Card Rates
Members Heritage Credit Union Personal Loan Rates
Members Heritage Credit Union Other Rates
Financial Health HistoryMembers Heritage Credit Union’s Texas Ratio rose from 1.91% in Q3 2023 to 4.52% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade
Powered by
MonitorBankRates
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 Heritage 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 Heritage 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 Heritage Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Members Heritage Credit Union
Website
https://www.membersheritage.org
Address
440 Park Pl,
Lexington, KY 40511-1829
Phone
859-259-3466
Fax
859-455-7281
President
Mike Proctor
CEO
Pat Ferry
Full-Time Employees
93
Part-Time Employees
3
Branch Locations
5
ATM Locations
5
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
4.52%
Return on Assets (ROA)
0.3402%
Return on Equity (ROE)
2.7457%
Non-Performing Loans Ratio (NPL)
0.92%
Total Assets
590,835,550
Total Amount of Shares and Deposits
515,755,635
Total Shares and Deposits < 1 Year
497,666,088
Total Shares and Deposits 1 3 Years
7,815,945
Total Shares and Deposits > 3 Years
10,273,602
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
36,115,902
Total Uninsured Shares and Deposits > $250K (F+J)
36,115,902
Total Insured Shares and Deposits > $250K (item 17 less item K)
479,639,733
Total Interest Expense (Sum of items 6 8)
4,399,184
Share Certificates
3,921
Number of Accounts for Share Drafts
21,480
IRA KEOGH Accounts
1,440
Number of Accounts for Regular Shares
46,194
Money Market Shares
1,751
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)
123,408,692
Total Liabilities
518,428,028
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Members Heritage Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Members Heritage Credit Union
Frequently Asked Questions About Members Heritage Credit UnionDoes Members Heritage Credit Union offer CDs?Yes. Members Heritage Credit Union current CD rates include its CD - 15-Month at 4.25% APY and its CD - 1-Year at 4.00% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Members Heritage Credit Union NCUA insured?Yes. Members Heritage 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 Heritage Credit Union?The highest Members Heritage Credit Union CD rate is its CD - 15-Month at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Members Heritage Credit Union offer?Members Heritage Credit Union CD rates are 4.00% APY for a 12 month CD and 4.25% APY for a 15 month 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 Heritage Credit Union for its full lineup. What is the lowest personal loan rate at Members Heritage Credit Union?The lowest Members Heritage Credit Union personal loan rate is its Signature Loan (fixed) at 9.75%, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Members Heritage Credit Union?The lowest Members Heritage Credit Union credit card APR is its VISA - Set Rate Credit Card at 9.75% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Members Heritage Credit Union operate?Members Heritage 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 Heritage Credit Union?Yes, to access services at Members Heritage 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 Heritage 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 Heritage Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Members Heritage Credit Union offer online and mobile banking?Most modern institutions like Members Heritage 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.membersheritage.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 Heritage Credit Union rates compare?Members Heritage Credit Union's CD rates are 33% higher than the MonitorBankRates national average, and it has an A+ health rating. Members Heritage Credit Union's top rates are its CD - 15-Month at 4.25% APY, its Signature Loan (fixed) at 9.75% APR and its VISA - Set Rate Credit Card at 9.75% APR, verified by MonitorBankRates on October 30, 2026. Current Members Heritage Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Jersey Shore Federal Credit Union
Building Trades Federal Credit Union
Chelsea Employees Federal Credit Union
Church of God Credit Union
Capitol View Credit Union
St Thomas Federal Credit Union
United Nations Federal Credit Union
Manville Area Federal Credit Union
600 Atlantic Federal Credit Union
AUB Employees Credit Union
Deming Schools Employees Credit Union
PrimeWay Federal Credit Union
First Community Credit Union Coquille, OR
Monroe County Teachers Federal Credit Union
Augusta Health Care Credit Union
Independence Teachers Credit Union
Buckeye State Credit Union
Washington State Employees Credit Union
The Catholic Credit Union
Shore to Shore Community Federal Credit Union
Ellafi Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
