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MembersOwn Credit Union

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MembersOwn Credit Union Rates & Review April 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 19, 2026

You can compare MembersOwn Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.75%, 6-month share certificate rates at 0.20% and 3-month share certificate rates at 0.05%. Savings rates are at 0.15% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 6.09%. All these rates can be compared to MembersOwn Credit Union rates. 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 6.45%. Rates were last updated on 04/19/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.45%

Excellent Higher than avg

MembersOwn Credit Union
Lincoln

1391 S 33rd St
Lincoln, NE 68510 4508

https://www.membersowncu.org

MembersOwn Credit Union Checking Rates

Product	Rate	APY	View More
Checking Account	-	0.02%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.45%

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.

Methodology & Data Sources

MonitorBankRates 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 23

Part-Time Employees 3

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.45%

Return on Assets (ROA)

0.7418%

Return on Equity (ROE)

5.3563%

Non-Performing Loans Ratio (NPL)

1.35%

Total Assets

106,523,635

Total Amount of Shares and Deposits

92,452,929

Total Shares and Deposits < 1 Year

89,966,846

Total Shares and Deposits 1 3 Years

2,358,689

Total Shares and Deposits > 3 Years

127,391

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

329,305

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

329,305

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

92,123,624

Total Interest Expense (Sum of items 6 8)

904,689

Share Certificates

836

Number of Accounts for Share Drafts

4,882

IRA KEOGH Accounts

274

Number of Accounts for Regular Shares

10,651

Money Market Shares

140

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

790,210

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

404,157

Total Liabilities

93,752,929

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About MembersOwn Credit Union

Is MembersOwn Credit Union a safe place to deposit money?

Yes, MembersOwn Credit Union is considered a safe financial institution. With a Texas Ratio of 6.4533719934052%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does 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.