|
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.
 MembersOwn 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 29, 2026
MembersOwn Credit Union's 12-month CD special rates are at 3.75%, 36-month Share and IRA CD rates are at 1.75%, 48-month Share and IRA CD rates are at 1.75%, 12-month Share and IRA CD rates are at 1.50%, 24-month Share and IRA CD rates are at 1.50%. MembersOwn Credit Union's savings rates are at 0.15%. MembersOwn Credit Union's checking rates are as high as 0.02%. MembersOwn Credit Union's Personal Loan Rates are as low as 13.50%. MembersOwn Credit Union's Credit Card Rates are at 9.99%. MembersOwn Credit Union's CD rates are 32% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of MembersOwn Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.93%. Rates last updated and verified on 10/29/2026. MembersOwn 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 MembersOwn Credit Union? Share your experience about MembersOwn Credit Union by leaving a review below, or read customer reviews before you decide to use MembersOwn Credit Union. 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. MembersOwn Credit Union CD Rates
MembersOwn Credit Union Savings Rates
MembersOwn Credit Union Checking Rates
MembersOwn Credit Union Home Equity & HELOC
MembersOwn Credit Union Auto Loan Rates
MembersOwn Credit Union RV, Boat and Powersport Loan Rates
MembersOwn Credit Union Credit Card Rates
MembersOwn Credit Union Personal Loan Rates
MembersOwn Credit Union Other Rates
Financial Health HistoryMembersOwn Credit Union’s Texas Ratio rose from 2.39% in Q3 2023 to 3.93% 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; 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)
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 MembersOwn 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 MembersOwn 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 MembersOwn Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
MembersOwn Credit Union
Website
https://www.membersowncu.org
Address
1391 S 33rd St,
Lincoln, NE 68510-4508
Phone
402-436-5365
Fax
402-436-4354
President
Paul Barnett
CEO
Linda Carter
Full-Time Employees
24
Part-Time Employees
3
Branch Locations
2
ATM Locations
2
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
3.93%
Return on Assets (ROA)
0.5514%
Return on Equity (ROE)
3.9089%
Non-Performing Loans Ratio (NPL)
0.91%
Total Assets
109,317,397
Total Amount of Shares and Deposits
94,313,304
Total Shares and Deposits < 1 Year
92,042,344
Total Shares and Deposits 1 3 Years
1,900,364
Total Shares and Deposits > 3 Years
370,595
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
651,011
Total Uninsured Shares and Deposits > $250K (F+J)
651,011
Total Insured Shares and Deposits > $250K (item 17 less item K)
93,662,293
Total Interest Expense (Sum of items 6 8)
537,343
Share Certificates
821
Number of Accounts for Share Drafts
4,964
IRA KEOGH Accounts
257
Number of Accounts for Regular Shares
10,665
Money Market Shares
145
Net Income (unless the amount is already included in Undivided Earnings)
602,747
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)
655,592
Total Liabilities
95,765,187
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for MembersOwn 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 MembersOwn Credit Union
Frequently Asked Questions About MembersOwn Credit UnionDoes MembersOwn Credit Union offer CDs?Yes. MembersOwn Credit Union current CD rates include its 12-month CD special at 3.75% APY, its 36-month Share and IRA CD at 1.75% APY and its 48-month Share and IRA CD at 1.75% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from MembersOwn Credit Union NCUA insured?Yes. MembersOwn 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 MembersOwn Credit Union?The highest MembersOwn Credit Union CD rate is its 12-month CD special at 3.75% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does MembersOwn Credit Union offer?MembersOwn Credit Union CD rates are 1.50% APY for a 12 month CD, 1.50% APY for a 2 year CD, 1.75% APY for a 3 year CD and 1.75% APY for a 4 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 MembersOwn Credit Union for its full lineup. What is the highest savings rate at MembersOwn Credit Union?The highest MembersOwn Credit Union savings rate is its Savings Accounts, Club Accounts and IRAs at 0.15% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at MembersOwn Credit Union?The highest MembersOwn Credit Union checking rate is its Checking Account at 0.02% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at MembersOwn Credit Union?The lowest MembersOwn Credit Union auto loan rate is its New & 1-5 Year Old Used Autos at 4.25% APR, verified by MonitorBankRates as of October 29, 2026. MembersOwn Credit Union auto loan rates are 4.25% APR for a 60 month auto loan and 5.25% APR for a 144 month auto loan. What is the lowest personal loan rate at MembersOwn Credit Union?The lowest MembersOwn Credit Union personal loan rate is its Personal Installment Loan at 13.50% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at MembersOwn Credit Union?The lowest MembersOwn Credit Union credit card APR is its Credit Card at 9.99% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does MembersOwn Credit Union operate?MembersOwn 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 MembersOwn Credit Union?Yes, to access services at MembersOwn 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, MembersOwn 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, MembersOwn Credit Union provides members with tools to manage their accounts and build a solid financial history. Does MembersOwn Credit Union offer online and mobile banking?Most modern institutions like MembersOwn 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.membersowncu.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 MembersOwn Credit Union rates compare?MembersOwn Credit Union's CD rates are 32% lower than the MonitorBankRates national average, and it has an A+ health rating. MembersOwn Credit Union's top rates are its 12-month CD special at 3.75% APY, its Savings Accounts, Club Accounts and IRAs at 0.15% APY, its Checking Account at 0.02% APY, its Personal Installment Loan at 13.50% APR and its Credit Card at 9.99% APR, verified by MonitorBankRates on October 29, 2026. Current MembersOwn Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Family Financial Credit Union
Camino Federal Credit Union
Union Square Credit Union
WeDevelopment Federal Credit Union
Jessop Community Federal Credit Union
Minnesota Power Employees Credit Union
Reed Credit Union
WCU Credit Union
Lonza Federal Credit Union
New Bedford Credit Union
Penlanco Federal Credit Union
NRS Community Development Federal Credit Union
Camden Firemens Federal Credit Union
Valley Educators Credit Union
Alabama Central Credit Union
Mid-Atlantic Federal Credit Union
Virginia State University Credit Union
Newrizons Federal Credit Union
St Louis Policemen`s Credit Union
Chicago Avenue Garage Federal Credit Union
Clearpath Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
