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 Memphis City Employees 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.
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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
Memphis City Employees Credit Union's 6 Month CD rates are at 4.06%, CD of Deposit - 6 month rates are at 4.06%, 12 Month CD rates are at 3.85%, CD of Deposit - 12 month rates are at 3.85%, 42 Month CD rates are at 3.55%. Memphis City Employees Credit Union's savings rates are at 0.15%. Memphis City Employees Credit Union's money market rates are at 3.00%. Memphis City Employees Credit Union's checking rates are as high as 0.05%. Memphis City Employees Credit Union's 1st Mortgage 10-year balloon (30-year term) rates are at 6.00%, 1st Mortgage (15-year term) rates are at 6.25%, 1st Mortgage 15-year balloon (30-year term) rates are at 6.25%. Memphis City Employees Credit Union's Personal Loan Rates are as low as 9.75%. Memphis City Employees Credit Union's Credit Card Rates are at 7.90%. Memphis City Employees Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Memphis City Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.01%. Rates last updated and verified on 10/29/2026. Memphis City Employees 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 Memphis City Employees Credit Union? Share your experience about Memphis City Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Memphis City Employees Credit Union. Memphis City Employees Credit Union
Mt. Moriah Admin 2686 Mount Moriah Ter
https://www.memphiscu.org Memphis, TN 38115  Customer Reviews
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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. Memphis City Employees Credit Union CD Rates
Memphis City Employees Credit Union Savings Rates
Memphis City Employees Credit Union Money Market Rates
Memphis City Employees Credit Union Checking Rates
Memphis City Employees Credit Union Mortgage Rates
Memphis City Employees Credit Union Home Equity & HELOC
Memphis City Employees Credit Union Auto Loan Rates
Memphis City Employees Credit Union RV, Boat and Powersport Loan Rates
Memphis City Employees Credit Union Credit Card Rates
Memphis City Employees Credit Union Personal Loan Rates
Memphis City Employees Credit Union Other Rates
Financial Health HistoryMemphis City Employees Credit Union’s Texas Ratio rose from 1.30% in Q3 2023 to 2.01% 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
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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 Memphis City Employees 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 Memphis City Employees 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 Memphis City Employees Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Memphis City Employees Credit Union
Website
https://www.memphiscu.org
Address
2686 Mount Moriah Ter,
Memphis, TN 38115
Phone
901-321-1200
Fax
901-202-9712
President
Jorge Ortega
CEO
Kenneth Swann
Full-Time Employees
93
Part-Time Employees
9
Branch Locations
6
ATM Locations
12
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.01%
Return on Assets (ROA)
0.2738%
Return on Equity (ROE)
1.8915%
Non-Performing Loans Ratio (NPL)
0.63%
Total Assets
502,510,399
Total Amount of Shares and Deposits
420,240,815
Total Shares and Deposits < 1 Year
417,556,528
Total Shares and Deposits 1 3 Years
2,164,308
Total Shares and Deposits > 3 Years
519,979
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,190,512
Total Uninsured Shares and Deposits > $250K (F+J)
12,190,512
Total Insured Shares and Deposits > $250K (item 17 less item K)
408,050,303
Total Interest Expense (Sum of items 6 8)
2,649,804
Share Certificates
2,457
Number of Accounts for Share Drafts
25,681
IRA KEOGH Accounts
828
Number of Accounts for Regular Shares
45,569
All other shares
1,484
Money Market Shares
1,016
Net Income (unless the amount is already included in Undivided Earnings)
1,375,876
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)
41,868,063
Total Liabilities
430,652,367
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Memphis City Employees Credit UnionDoes Memphis City Employees Credit Union offer CDs?Yes. Memphis City Employees Credit Union current CD rates include its 6 Month CD at 4.06% APY, its CD of Deposit - 6 month at 4.06% APY and its 12 Month CD at 3.85% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Memphis City Employees Credit Union NCUA insured?Yes. Memphis City Employees 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 Memphis City Employees Credit Union?The highest Memphis City Employees Credit Union CD rate is its 6 Month CD at 4.06% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Memphis City Employees Credit Union offer?Memphis City Employees Credit Union CD rates are 4.06% APY for a 6 month CD, 3.85% APY for a 12 month CD, 3.39% APY for a 2 year CD and 3.55% APY for a 42 month 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 Memphis City Employees Credit Union for its full lineup. What is the highest savings rate at Memphis City Employees Credit Union?The highest Memphis City Employees Credit Union savings rate is its Regular Savings at 0.15% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Memphis City Employees Credit Union?The highest Memphis City Employees Credit Union money market rate is its Premium Money Market at 3.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Memphis City Employees Credit Union?The highest Memphis City Employees Credit Union checking rate is its Share Draft/Checking at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest mortgage rate at Memphis City Employees Credit Union?The lowest Memphis City Employees Credit Union mortgage rate is its 1st Mortgage 10-year balloon (30-year term) at 6.00% APR, verified by MonitorBankRates as of October 29, 2026. Memphis City Employees Credit Union mortgage rates are 6.25% APR for a 15 year mortgage and 6.00% APR for a 10 year mortgage. What is the lowest auto loan rate at Memphis City Employees Credit Union?The lowest Memphis City Employees Credit Union auto loan rate is its New Auto at 4.49% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Memphis City Employees Credit Union?The lowest Memphis City Employees Credit Union personal loan rate is its Signature Loan at 9.75% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Memphis City Employees Credit Union?The lowest Memphis City Employees Credit Union credit card APR is its Mastercard Platinum Rewards Credit Card at 7.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Memphis City Employees Credit Union operate?Memphis City Employees 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 Memphis City Employees Credit Union?Yes, to access services at Memphis City Employees 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, Memphis City Employees 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, Memphis City Employees Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Memphis City Employees Credit Union offer online and mobile banking?Most modern institutions like Memphis City Employees 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.memphiscu.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 Memphis City Employees Credit Union rates compare?Memphis City Employees Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A+ health rating. Memphis City Employees Credit Union's top rates are its 6 Month CD at 4.06% APY, its Regular Savings at 0.15% APY, its Premium Money Market at 3.00% APY, its Share Draft/Checking at 0.05% APY, its 1st Mortgage 10-year balloon (30-year term) at 6.00%, its Debt Consolidation Loan at 9.75% APR and its Mastercard Platinum Rewards Credit Card at 7.90% APR, verified by MonitorBankRates on October 29, 2026. Current Memphis City Employees Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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