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MemberSource Credit Union Rates & Review November 2026

Q: What are the current interest rates at MemberSource Credit Union?

Current rates for MemberSource Credit Union include: 12-Month CD: 3.95%, 24-Month CD: 3.85%, 60-Month CD: 4.00%, Savings: 0.15%, MMA: 0.30%

Q: What CD terms does MemberSource Credit Union offer?

MemberSource Credit Union CD rates are 4.05% APY for a 12 month CD, 3.95% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.05% APY for a 4 year CD and 4.10% APY for a 5 year 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 MemberSource Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

MemberSource Credit Union's 60 Month Term CDs rates are at 4.10%, 12 Month Term CDs rates are at 4.05%, 48 Month Term CDs rates are at 4.05%, 36 Month Term CDs rates are at 4.00%, 24 Month Term CDs rates are at 3.95%. MemberSource Credit Union's savings rates are at 0.15%. MemberSource Credit Union's money market rates are at 0.30%. MemberSource Credit Union's checking rates are as high as 0.20%. MemberSource Credit Union's Personal Loan Rates are as low as 7.98%. MemberSource Credit Union's Credit Card Rates are at 12.50%. MemberSource Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of MemberSource Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.25%. Rates last updated and verified on 10/30/2026.

MemberSource 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 MemberSource Credit Union? Share your experience about MemberSource Credit Union by leaving a review below, or read customer reviews before you decide to use MemberSource Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.25%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

MemberSource Credit Union
Westchase

10100 Richmond Ave
Houston, TX 77042

https://www.membersourcecu.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.

MemberSource Credit Union CD Rates

Product	Rate	APY	Term
60 Month IRA Term Share Certificates	4.12%	4.20%	60 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
12 Month IRA Term Share Certificates	4.08%	4.15%	12 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
48 Month IRA Term Share Certificates	4.08%	4.15%	48 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
60 Month IRA Term Share Certificates	4.07%	4.15%	60 months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
12 Month IRA Term Share Certificates	4.03%	4.10%	12 months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 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: 2.25%
36 Month IRA Term Share Certificates	4.03%	4.10%	36 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/30/2026 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: 2.25%
48 Month IRA Term Share Certificates	4.03%	4.10%	48 months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 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: 2.25%
60 Month IRA Term Share Certificates	4.03%	4.10%	60 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/30/2026 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: 2.25%
60 Month Term Share Certificates	4.03%	4.10%	60 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/30/2026 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: 2.25%
12 Month IRA Term Share Certificates	3.98%	4.05%	12 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
12 Month Term Share Certificates	3.98%	4.05%	12 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
24 Month IRA Term Share Certificates	3.98%	4.05%	24 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
36 Month IRA Term Share Certificates	3.98%	4.05%	36 months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
48 Month IRA Term Share Certificates	3.98%	4.05%	48 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
48 Month Term Share Certificates	3.98%	4.05%	48 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
60 Month Term Share Certificates	3.98%	4.05%	60 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
12 Month Term Share Certificates	3.93%	4.00%	12 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 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: 2.25%
24 Month IRA Term Share Certificates	3.93%	4.00%	24 months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 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: 2.25%
36 Month IRA Term Share Certificates	3.93%	4.00%	36 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/30/2026 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: 2.25%
36 Month Term Share Certificates	3.93%	4.00%	36 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/30/2026 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: 2.25%
48 Month Term Share Certificates	3.93%	4.00%	48 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 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: 2.25%
60 Month Term Share Certificates	3.93%	4.00%	60 Months
Min Balance $500 Details Balance: $500 - $49,999.99 Last Updated 10/30/2026 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: 2.25%
12 Month Term Share Certificates	3.88%	3.95%	12 Months
Min Balance $500 Details Balance: $500 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
24 Month IRA Term Share Certificates	3.88%	3.95%	24 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
24 Month Term Share Certificates	3.88%	3.95%	24 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
36 Month Term Share Certificates	3.88%	3.95%	36 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
48 Month Term Share Certificates	3.88%	3.95%	48 Months
Min Balance $500 Details Balance: $500 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
6 Month IRA Term Share Certificates	3.88%	3.95%	6 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
24 Month Term Share Certificates	3.83%	3.90%	24 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
36 Month Term Share Certificates	3.83%	3.90%	36 Months
Min Balance $500 Details Balance: $500 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
6 Month IRA Term Share Certificates	3.83%	3.90%	6 months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
24 Month Term Share Certificates	3.78%	3.85%	24 Months
Min Balance $500 Details Balance: $500 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
6 Month IRA Term Share Certificates	3.78%	3.85%	6 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
6 Month Term Share Certificates	3.78%	3.85%	6 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
6 Month Term Share Certificates	3.74%	3.80%	6 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
6 Month Term Share Certificates	3.69%	3.75%	6 Months
Min Balance $500 Details Balance: $500 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

MemberSource Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.15%	0.15%
Min Deposit $25 Min Balance $100 Details Balance: $100 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
IRA Savings	0.15%	0.15%
Min Deposit $50 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Regular Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $100 Details Balance: $100-$4,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Regular Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Regular Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
WILD Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Balance: $5 - $4,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
WILD Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000.00-$24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
WILD Savings	0.10%	0.10%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000.00+ Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

MemberSource Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus	0.30%	0.30%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00+; $25 fee if balance falls below $2,500 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Plus	0.25%	0.25%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00-$99,999.99; $25 fee if balance falls below $2,500 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Plus	0.20%	0.20%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00-$49,999.99; $25 fee if balance falls below $2,500 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Plus	0.15%	0.15%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00-$24,999.99; $25 fee if balance falls below $2,500 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Plus	0.10%	0.10%
Min Deposit $2,500 Min Balance $5,000 Details Balance: $5,000.00-$9,999.99; $25 fee if balance falls below $2,500 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Plus	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00-$4,999.99; $25 fee if balance falls below $2,500 Last Updated 10/30/2026 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: 2.25%
Money Market Plus	0.00%	0.00%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01-$2,499.99; $25 fee if balance falls below $2,500 Last Updated 10/30/2026 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: 2.25%

MemberSource Credit Union Checking Rates

Product	Rate	APY
Emerald+ Checking	0.20%	0.20%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Emerald+ Checking	0.15%	0.15%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00-$49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Emerald+ Checking	0.10%	0.10%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000.00-$24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Emerald+ Checking	0.05%	0.05%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500.00-$9,999.99 Last Updated 10/30/2026 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: 2.25%
Emerald+ Checking	0.00%	0.00%
Min Deposit $25 Min Balance $0 Details Balance: $.01-$2,499.99 Last Updated 10/30/2026 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: 2.25%

MemberSource Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	8.99%	-	8.99%	Up to 60 Months
Details Texas properties only; Loan amount $25,000 - $250,000; based on value of home, amount of equity, etc. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity Loan	9.24%	-	9.24%	61 to 120 Months
Details Texas properties only; Loan amount $25,000 - $250,000; based on value of home, amount of equity, etc. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity Loan	9.49%	-	9.49%	121 to 180 Months
Details Texas properties only; Loan amount $25,000 - $250,000; based on value of home, amount of equity, etc. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity Loan	9.74%	-	9.74%	181 to 240 Months
Details Texas properties only; Loan amount $25,000 - $250,000; based on value of home, amount of equity, etc. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

MemberSource Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto Loan - Year Models - 2020 & Newer	-	-	3.73%	Up to 36 Months
Details As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.73% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New & Used Auto Loan - Year Models - 2021 & Newer	-	-	3.80%	37 - 48 Months
Details As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.80% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New & Used Auto Loan - Year Models - 2022 & Newer	-	-	3.86%	49 - 60 Months
Details As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; $10,000 Minimum; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.86% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New & Used Auto Loan - Year Models - 2023 & Newer	-	-	3.92%	61 - 72 Months
Details As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; $20,000 Minimum; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.92% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New & Used Auto Loan - Year Models - 2025 & Newer	-	-	3.98%	73 - 84 Months
Details As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; $35,000 Minimum; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.98% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

MemberSource Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles/4-Wheelers/Jet Skis/Boats/Recreational Vehicles Loan - Up to 48 Months	-	5.73%	Up to 48 Months
Details As Low As; Year Models - 2021 & Newer; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.73% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycles/4-Wheelers/Jet Skis/Boats/Recreational Vehicles Loan - 49 to 60 Months	-	5.80%	49 to 60 Months
Details As Low As; Year Models - 2022 & Newer; $10,000 Minimum; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.80% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycles/4-Wheelers/Jet Skis/Boats/Recreational Vehicles Loan - 61 to 84 Months	-	5.86%	61 to 84 Months
Details As Low As; Year Models - 2021 & Newer; LT Boats/RVs $20,000 Minimum; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.86% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycles/4-Wheelers/Jet Skis/Boats/Recreational Vehicles Loan - 85 to 120 Months	-	5.92%	85 to 120 Months
Details As Low As; Year Models - 2023 & Newer; LT Boats/RVs $25,000 Minimum; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.92% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycles/4-Wheelers/Jet Skis/Boats/Recreational Vehicles Loan - 121 to 144 Months	-	5.98%	121 to 144 Months
Details As Low As; Year Models - 2025 & Newer; LT Boats/RVs $35,000 Minimum; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.98% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

MemberSource Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Visa	-	12.50%
Details Published APR range: 12.50% - 17.50%. Regular APR: 12.50% - 17.50%; Rate Type: Non-variable, depends on applicant's creditworthiness; uChoose Rewards program Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 12.50% → 12.50% ▼ 0.00 pts · high 19.99% / low 12.50% Sep 27, 202612.50%▼ from 19.99% Sep 22, 202619.99%▲ from 12.50% Sep 14, 202612.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

MemberSource Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	7.98%	Up to 60 Months
Details As Low As; Financing: Up to $35,000 ($1,000 minimum) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.98% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

MemberSource Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	9.24%	-	9.24%	Up to 60 Months
Details Texas properties only; Loan amount $25,000 - $250,000; based on value of home, amount of equity, etc. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Improvement Loan	9.49%	-	9.49%	61 to 120 Months
Details Texas properties only; Loan amount $25,000 - $250,000; based on value of home, amount of equity, etc. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Improvement Loan	9.74%	-	9.74%	121 to 180 Months
Details Texas properties only; Loan amount $25,000 - $250,000; based on value of home, amount of equity, etc. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Improvement Loan	9.99%	-	9.99%	181 to 240 Months
Details Texas properties only; Loan amount $25,000 - $250,000; based on value of home, amount of equity, etc. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Educational IRA	0.25%	-	0.25%
Min Deposit $25 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Roth Money Fund IRA	0.25%	-	0.25%
Min Deposit $25 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

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

MemberSource Credit Union’s Texas Ratio stayed near 2.14% in Q3 2023 to 2.25% 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

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	$196M	2.25%	5.0	A+
March 31, 2026	$205M	2.50%	5.0	A+
December 31, 2025	$201M	3.11%	5.0	A+
September 30, 2025	$202M	2.53%	5.0	A+
June 30, 2025	$205M	3.22%	5.0	A+
March 31, 2025	$184M	1.67%	5.0	A+
December 31, 2024	$180M	3.05%	5.0	A+
September 30, 2024	$186M	2.32%	5.0	A+
June 30, 2024	$209M	2.80%	5.0	A+
March 31, 2024	$213M	2.76%	5.0	A+
December 31, 2023	$196M	2.46%	5.0	A+
September 30, 2023	$198M	2.14%	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 MemberSource 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 MemberSource 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 MemberSource Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MemberSource Credit Union

Website https://www.membersourcecu.org

Address 10100 Richmond Ave, Houston, TX 77042

Phone 713-627-4000

Fax 713-244-3300

President Patrick Gibson

CEO Kenneth Harrington

Full-Time Employees 53

Part-Time Employees 2

Branch Locations 5

ATM Locations 4

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.25%

Return on Assets (ROA)

0.0677%

Return on Equity (ROE)

0.5436%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

196,476,383

Total Amount of Shares and Deposits

171,363,364

Total Shares and Deposits < 1 Year

166,255,804

Total Shares and Deposits 1 3 Years

3,826,471

Total Shares and Deposits > 3 Years

1,281,089

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

13,631,059

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

13,631,059

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

157,732,305

Total Interest Expense (Sum of items 6 8)

851,788

Share Certificates

788

Number of Accounts for Share Drafts

5,836

IRA KEOGH Accounts

338

Number of Accounts for Regular Shares

15,534

Non Member Deposits

Money Market Shares

244

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

132,968

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)

18,480,783

Total Liabilities

172,639,977

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About MemberSource Credit Union

Does MemberSource Credit Union offer CDs?

Yes. MemberSource Credit Union current CD rates include its 60 Month Term CDs at 4.10% APY, its 12 Month Term CDs at 4.05% APY and its 48 Month Term CDs at 4.05% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from MemberSource Credit Union NCUA insured?

Yes. MemberSource 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 MemberSource Credit Union?

The highest MemberSource Credit Union CD rate is its 60 Month IRA Term CDs at 4.20% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does MemberSource Credit Union offer?

MemberSource Credit Union CD rates are 4.05% APY for a 12 month CD, 3.95% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.05% APY for a 4 year CD and 4.10% APY for a 5 year 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 MemberSource Credit Union for its full lineup.

What is the highest savings rate at MemberSource Credit Union?

The highest MemberSource Credit Union savings rate is its IRA Savings at 0.15% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at MemberSource Credit Union?

The highest MemberSource Credit Union money market rate is its Money Market Plus at 0.30% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at MemberSource Credit Union?

The highest MemberSource Credit Union checking rate is its Emerald+ Checking at 0.20% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at MemberSource Credit Union?

The lowest MemberSource Credit Union auto loan rate is its New & Used Auto Loan - Year Models - 2020 & Newer at 3.73% APR, verified by MonitorBankRates as of October 30, 2026. MemberSource Credit Union auto loan rates are 5.80% APR for a 60 month auto loan, 5.86% APR for an 84 month auto loan, 5.92% APR for a 120 month auto loan and 5.98% APR for a 144 month auto loan.

What is the lowest personal loan rate at MemberSource Credit Union?

The lowest MemberSource Credit Union personal loan rate is its Personal Loan at 7.98% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at MemberSource Credit Union?

The lowest MemberSource Credit Union credit card APR is its Platinum Visa Credit Card at 12.50% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does MemberSource Credit Union operate?

MemberSource 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 MemberSource Credit Union?

Yes, to access services at MemberSource 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, MemberSource 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, MemberSource Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does MemberSource Credit Union offer online and mobile banking?

Most modern institutions like MemberSource 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.membersourcecu.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 MemberSource Credit Union rates compare?

MemberSource Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. MemberSource Credit Union's top rates are its 60 Month IRA Term CDs at 4.20% APY, its IRA Savings at 0.15% APY, its Money Market Plus at 0.30% APY, its Emerald+ Checking at 0.20% APY, its Personal Loan at 7.98% APR and its Platinum Visa Credit Card at 12.50% APR, verified by MonitorBankRates on October 30, 2026.

Current MemberSource Credit Union Rates

12-Month CD3.95%
24-Month CD3.85%
60-Month CD4.00%
Savings0.15%
MMA0.30%

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

Compare to Other Credit Unions

MemberSource Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

MemberSource Credit Union Texas Ratio

MemberSource Credit Union Health Trend

MemberSource Credit Union CD Rates

MemberSource Credit Union Savings Rates

MemberSource Credit Union Money Market Rates

MemberSource Credit Union Checking Rates

MemberSource Credit Union Home Equity & HELOC

MemberSource Credit Union Auto Loan Rates

MemberSource Credit Union RV, Boat and Powersport Loan Rates

MemberSource Credit Union Credit Card Rates

MemberSource Credit Union Personal Loan Rates

MemberSource Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

MemberSource Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About MemberSource Credit Union

Does MemberSource Credit Union offer CDs?

Are CDs from MemberSource Credit Union NCUA insured?

What is the highest CD rate at MemberSource Credit Union?

What CD terms does MemberSource Credit Union offer?

What is the highest savings rate at MemberSource Credit Union?

What is the highest money market rate at MemberSource Credit Union?

What is the highest checking rate at MemberSource Credit Union?

What is the lowest auto loan rate at MemberSource Credit Union?

What is the lowest personal loan rate at MemberSource Credit Union?

What is the lowest credit card APR at MemberSource Credit Union?

How many branches does MemberSource Credit Union operate?

Is a member application needed to join MemberSource Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does MemberSource 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 MemberSource Credit Union rates compare?

Current MemberSource Credit Union Rates

Compare to Other Credit Unions