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My Community Credit Union Rates & Review November 2026

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

Current rates for My Community Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.00%, Savings: 0.85%, MMA: 0.20%

Q: What CD terms does My Community Credit Union offer?

My Community Credit Union CD rates are 3.85% APY for a 6 month CD, 3.85% APY for a 12 month CD, 3.85% APY for a 15 month CD, 3.50% APY for an 18 month CD, 3.50% APY for a 2 year CD and 3.00% 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 My Community Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

My Community Credit Union's 12 Month Regular CD rates are at 3.85%, 15 Month Regular CD rates are at 3.85%, 6 Month Regular CD rates are at 3.85%, 12 Month CD/CDs rates are at 3.75%, 15 Month CD/CDs rates are at 3.75%. My Community Credit Union's savings rates are at 0.85%. My Community Credit Union's money market rates are at 0.20%. My Community Credit Union's checking rates are as high as 5.00%. My Community Credit Union's Personal Loan Rates are as low as 12.74%. My Community Credit Union's Credit Card Rates are at 13.00%. My Community Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of My Community Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.92%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.92%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

My Community Credit Union
Main Office

600 W Louisiana Ave
Midland, TX 79701-1610

https://www.mccu.coop/

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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.

My Community Credit Union CD Rates

Product	Rate	APY	Term
12 Month Regular Certificate	3.78%	3.85%	12 Month
Min Balance $75,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
15 Month Regular Certificate	3.78%	3.85%	15 Month
Min Balance $75,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
6 Month Regular Certificate	3.78%	3.85%	6 Month
Min Balance $75,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
IRA Certificate - 12 Month	3.78%	3.85%	12 Month
Min Balance $75,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
IRA Certificate - 6 Month	3.78%	3.85%	6 Month
Min Balance $75,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
12 Month CD/Share Certificates	3.69%	3.75%	12 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
12 Month Youth Certificate	3.69%	3.75%	12 Month
Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
15 Month CD/Share Certificates	3.69%	3.75%	15 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
6 Month CD/Share Certificates	3.69%	3.75%	6 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
6 Month Youth Certificate	3.69%	3.75%	6 Month
Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
IRA Certificates - 12 Month	3.69%	3.75%	12 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
IRA Certificates - 6 Month	3.69%	3.75%	6 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
18 Month Regular Certificate	3.54%	3.60%	18 Month
Min Balance $75,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
24 Month CD/Share Certificates	-	3.60%	24 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
24 Month Regular Certificate	3.54%	3.60%	24 Month
Min Balance $75,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
36 Month Regular Certificate	3.54%	3.60%	36 Month
Min Balance $75,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
IRA Certificate - 24 Month	3.54%	3.60%	24 Month
Min Balance $75,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
IRA Certificate - 36 Month	3.54%	3.60%	36 Month
Min Balance $75,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
18 Month CD/Share Certificates	3.45%	3.50%	18 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
24 Month CD/Share Certificate	3.45%	3.50%	24 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.50% ▼ 0.10 pts · high 3.60% / low 3.50% Oct 19, 20263.50%▼ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
24 Month Youth Certificate	3.45%	3.50%	24 Month
Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
36 Month CD/Share Certificates	3.45%	3.50%	36 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
IRA Certificates - 24 Month	3.45%	3.50%	24 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
IRA Certificates - 36 Month	3.45%	3.50%	36 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
48 Month Regular Certificate	3.30%	3.35%	48 Month
Min Balance $75,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
IRA Certificate - 48 Month	3.30%	3.35%	48 Month
Min Balance $75,000 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 3.35% → 3.35% ▼ 0.00 pts · high 3.35% / low 3.30% Oct 26, 20263.35%▲ from 3.30% Oct 19, 20263.30%▼ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
48 Month Regular Certificate	3.30%	3.30%	48 Month
Min Balance $75,000 Details Balance: $75,000.00 minimum; Dividends compounded and credited quarterly; Rate fixed for the term; Early withdrawal penalty may apply Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.30% ▼ 0.05 pts · high 3.35% / low 3.30% Oct 30, 20263.30%▼ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
48 Month CD/Share Certificates	3.20%	3.25%	48 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
IRA Certificates - 48 Month	3.20%	3.25%	48 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
60 Month Regular Certificate	3.06%	3.10%	60 Month
Min Balance $75,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
IRA Certificate - 60 Month	3.06%	3.10%	60 Month
Min Balance $75,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
60 Month CD/Share Certificates	2.96%	3.00%	60 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
IRA Certificates - 60 Month	2.96%	3.00%	60 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%

My Community Credit Union Savings Rates

Product	Rate	APY
Regular Savings Account	0.85%	0.85%
Details Qualifications Required: 1 direct deposit or ACH payment transaction; 12 debit card purchases; be enrolled in and agree to receive eStatements; enroll and log into online banking; Balance tier $0 - $25,000; rate and APY 0.85% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Christmas Club	0.50%	0.50%
Details Balance: $0-25,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
IRA Savings	0.10%	0.10%
Details Balance: $0-25,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Savings Account	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Balance: $0-25,000; Minimum Balance to Earn: $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%

My Community Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $25,000.01 & over; Minimum Balance to Earn: $2,500.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 14, 20260.20%▲ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $0-25,000; Minimum Balance to Earn: $2,500.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%

My Community Credit Union Checking Rates

Product	Rate	APY
Kasasa Cash Checking	4.89%	5.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Balance: $0 - $25,000; Minimum deposit of $25.00 required to open Kasasa Cash account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Prime Checking	0.20%	0.20%
Min Deposit $25 Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%

My Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto & Motorcycle Loan - New (2026 - 2025)	-	-	5.24%	36 months
Details Model Year: 2026 - 2025; Collateral subject to approval; Rates based on creditworthiness Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Auto & Motorcycle Loan - New (2026 - 2025)	-	-	5.49%	60 months
Details Model Year: 2026 - 2025; Collateral subject to approval; Rates based on creditworthiness Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Auto & Motorcycle Loan - Used (2026 - 2022)	-	-	5.49%	36 months
Details Model Year: 2026 - 2022; Collateral subject to approval; Rates based on creditworthiness Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Auto & Motorcycle Loan - New (2026 - 2025)	-	-	5.74%	72 months
Details Model Year: 2026 - 2025; Collateral subject to approval; Rates based on creditworthiness Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Auto & Motorcycle Loan - Used (2026 - 2022)	-	-	5.74%	60 months
Details Model Year: 2026 - 2022; Collateral subject to approval; Rates based on creditworthiness Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Auto & Motorcycle Loan - Used (2026 - 2022)	-	-	5.99%	72 months
Details Model Year: 2026 - 2022; Collateral subject to approval; Rates based on creditworthiness Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Auto & Motorcycle Loan - Used (2021 - 2020)	-	-	6.04%	36 months
Details Model Year: 2021 - 2020; Collateral subject to approval; Rates based on creditworthiness Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.04% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Auto & Motorcycle Loan - Used (2021 - 2020)	-	-	6.04%	60 months
Details Model Year: 2021 - 2020; Collateral subject to approval; Rates based on creditworthiness Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.04% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Auto & Motorcycle Loan - Used (2019 and older)	-	-	7.09%	36 months
Details Model Year: 2019 and older; Collateral subject to approval; Rates based on creditworthiness Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.09% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Auto & Motorcycle Loan - Used (2021 - 2020)	-	-	7.24%	72 months
Details Model Year: 2021 - 2020; Collateral subject to approval; Rates based on creditworthiness Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Auto & Motorcycle Loan - Used (2019 and older)	-	-	7.64%	60 months
Details Model Year: 2019 and older; Collateral subject to approval; Rates based on creditworthiness Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%

My Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan - New	-	8.75%	36 Month
Details Model Year: 2026 - 2025; Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles - New (2026 - 2025) Loan	-	8.75%	36 Month
Details Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles - New Loan	-	8.75%	36 months
Details Model Year: 2026 - 2025; Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles Loan	-	8.75%	36 Month
Details Model Year: New (2026 - 2025); Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicle Loan - New	-	9.25%	60 Month
Details Model Year: 2026 - 2025; Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles - New (2026 - 2025) Loan	-	9.25%	60 Month
Details Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 9.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles - New Loan	-	9.25%	60 months
Details Model Year: 2026 - 2025; Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles Loan	-	9.25%	60 Month
Details Model Year: New (2026 - 2025); Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicle Loan - New	-	10.25%	72 Month
Details Model Year: 2026 - 2025; Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicle Loan - Used	-	10.25%	36 Month
Details Model Year: 2026 and older; Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles - New (2026 - 2025) Loan	-	10.25%	72 Month
Details Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 10.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles - New Loan	-	10.25%	72 months
Details Model Year: 2026 - 2025; Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles - Used (2026 and older) Loan	-	10.25%	36 Month
Details Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 10.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles - Used Loan	-	10.25%	36 months
Details Model Year: 2026 and older; Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles Loan	-	10.25%	72 Month
Details Model Year: New (2026 - 2025); Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles Loan	-	10.25%	36 Month
Details Model Year: Used (2026 and older); Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicle Loan - Used	-	10.70%	60 Month
Details Model Year: 2026 and older; Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles - Used (2026 and older) Loan	-	10.70%	60 Month
Details Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 10.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles - Used Loan	-	10.70%	60 months
Details Model Year: 2026 and older; Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles Loan	-	10.70%	60 Month
Details Model Year: Used (2026 and older); Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.70% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicle Loan - Used	-	11.00%	72 Month
Details Model Year: 2026 and older; Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles - Used (2026 and older) Loan	-	11.00%	72 Month
Details Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 11.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles - Used Loan	-	11.00%	72 months
Details Model Year: 2026 and older; Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Recreational Vehicles Loan	-	11.00%	72 Month
Details Model Year: Used (2026 and older); Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%

My Community Credit Union Credit Card Rates

Product	Rate	APR	View More
MasterCard Platinum Card	-	13.00%
Details As Low As; No Annual Fee, 25 Day Grace Period Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%

My Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans - Unsecured Loans	12.74%
Details As Low As; Collateral subject to approval. Rates based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 12.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Unsecured Loans	12.74%
Details As Low As; Personal Loans Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%

My Community Credit Union Other Rates

Product	Rate	Points	APY/APR
Free Kasasa Saver Savings	0.85%	-	0.85%
Min Balance $0 Details Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00; Links to a free Kasasa Checking account; Base rate 0.06% APY if qualifications are not met Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%
Kasasa Saver Savings	0.85%	-	0.85%
Min Balance $0 Details Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.92%

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.
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Financial Health History

My Community Credit Union’s Texas Ratio rose from 6.65% in Q3 2023 to 8.92% in Q2 2026, so its financial health has held steady at a healthy level 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)

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	$555M	8.92%	5.0	A
March 31, 2026	$559M	9.10%	5.0	A
December 31, 2025	$536M	10.92%	5.0	A
September 30, 2025	$538M	9.30%	5.0	A
June 30, 2025	$538M	7.63%	5.0	A
March 31, 2025	$509M	6.36%	5.0	A
December 31, 2024	$500M	7.67%	5.0	A
September 30, 2024	$506M	5.84%	5.0	A+
June 30, 2024	$492M	5.03%	5.0	A+
March 31, 2024	$494M	5.65%	5.0	A+
December 31, 2023	$494M	8.19%	5.0	A
September 30, 2023	$492M	6.65%	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 My Community 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 My Community 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 My Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name My Community Credit Union

Website https://www.mccu.coop/

Address 600 W Louisiana Ave, Midland, TX 79701-1610

Phone 432-688-8400

Fax

President Teresa DeShaw

CEO Donna Neal

Full-Time Employees 122

Part-Time Employees 5

Branch Locations 7

ATM Locations 7

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.92%

Return on Assets (ROA)

0.1352%

Return on Equity (ROE)

1.3142%

Non-Performing Loans Ratio (NPL)

1.24%

Total Assets

555,291,491

Total Amount of Shares and Deposits

492,005,044

Total Shares and Deposits < 1 Year

433,998,870

Total Shares and Deposits 1 3 Years

39,911,329

Total Shares and Deposits > 3 Years

18,094,845

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

50,753,264

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

50,753,264

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

441,251,780

Total Interest Expense (Sum of items 6 8)

3,376,542

Share Certificates

1,496

Number of Accounts for Share Drafts

27,744

IRA KEOGH Accounts

592

Number of Accounts for Regular Shares

53,944

Non Member Deposits

Money Market Shares

269

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)

46,511,560

Total Liabilities

499,300,353

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

My Community 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 My Community Credit Union

Does My Community Credit Union offer CDs?

Yes. My Community Credit Union current CD rates include its 12 Month Regular CD at 3.85% APY, its 15 Month Regular CD at 3.85% APY and its 6 Month Regular CD at 3.85% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from My Community Credit Union NCUA insured?

Yes. My Community 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 My Community Credit Union?

The highest My Community Credit Union CD rate is its 12 Month Regular CD at 3.85% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does My Community Credit Union offer?

My Community Credit Union CD rates are 3.85% APY for a 6 month CD, 3.85% APY for a 12 month CD, 3.85% APY for a 15 month CD, 3.50% APY for an 18 month CD, 3.50% APY for a 2 year CD and 3.00% 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 My Community Credit Union for its full lineup.

What is the highest savings rate at My Community Credit Union?

The highest My Community Credit Union savings rate is its Regular Savings Account at 0.85% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at My Community Credit Union?

The highest My Community Credit Union money market rate is its Money Market at 0.20% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at My Community Credit Union?

The highest My Community Credit Union checking rate is its Kasasa Cash Checking at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at My Community Credit Union?

The lowest My Community Credit Union auto loan rate is its Auto & Motorcycle Loan - New (2026 - 2025) at 5.24% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at My Community Credit Union?

The lowest My Community Credit Union personal loan rate is its Personal Loans - Unsecured Loans at 12.74% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at My Community Credit Union?

The lowest My Community Credit Union credit card APR is its MasterCard Platinum Card Credit Card at 13.00% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does My Community Credit Union operate?

My Community 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 My Community Credit Union?

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

Does My Community Credit Union offer online and mobile banking?

Most modern institutions like My Community 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.mccu.coop/.

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 My Community Credit Union rates compare?

My Community Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A health rating. My Community Credit Union's top rates are its 12 Month Regular CD at 3.85% APY, its Regular Savings Account at 0.85% APY, its Money Market at 0.20% APY, its Kasasa Cash Checking at 5.00% APY, its Personal Loans - Unsecured Loans at 12.74% APR and its MasterCard Platinum Card Credit Card at 13.00% APR, verified by MonitorBankRates on October 30, 2026.

Current My Community Credit Union Rates

12-Month CD3.75%
18-Month CD3.50%
24-Month CD3.50%
60-Month CD3.00%
Savings0.85%
MMA0.20%

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

Compare to Other Credit Unions

My Community Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

My Community Credit Union Texas Ratio

My Community Credit Union Health Trend

My Community Credit Union CD Rates

My Community Credit Union Savings Rates

My Community Credit Union Money Market Rates

My Community Credit Union Checking Rates

My Community Credit Union Auto Loan Rates

My Community Credit Union RV, Boat and Powersport Loan Rates

My Community Credit Union Credit Card Rates

My Community Credit Union Personal Loan Rates

My Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

My Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About My Community Credit Union

Does My Community Credit Union offer CDs?

Are CDs from My Community Credit Union NCUA insured?

What is the highest CD rate at My Community Credit Union?

What CD terms does My Community Credit Union offer?

What is the highest savings rate at My Community Credit Union?

What is the highest money market rate at My Community Credit Union?

What is the highest checking rate at My Community Credit Union?

What is the lowest auto loan rate at My Community Credit Union?

What is the lowest personal loan rate at My Community Credit Union?

What is the lowest credit card APR at My Community Credit Union?

How many branches does My Community Credit Union operate?

Is a member application needed to join My Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does My Community 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 My Community Credit Union rates compare?

Current My Community Credit Union Rates

Compare to Other Credit Unions