What are the current interest rates at Diversified Members Credit Union?

Current rates for Diversified Members Credit Union include: 12-Month CD: 3.00%, 24-Month CD: 3.60%, 60-Month CD: 3.00%, Savings: 0.35%, MMA: 2.95%

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Diversified Members Credit Union

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Diversified Members Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Diversified Members 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 and Verified: October 9, 2026

Diversified Members Credit Union's top rates as of October 9, 2026 are 5.15% APY on its 12 Month CD, 0.35% APY on savings, 2.95% APY on money market accounts, 0.05% APY on checking, auto loans from 3.50% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Diversified Members Credit Union CD rates include 12 Month Legacy CD at 5.15%, 24 month CD of Deposit at 3.60%, and 12 month CD of Deposit at 3.50%. MonitorBankRates evaluates the financial stability of Diversified Members Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.06%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.06%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Diversified Members Credit Union
Main Office

1480 E Jefferson Ave
Detroit, MI 48207

https://dmcu.com

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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.

Diversified Members Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	-	5.15%	12 Months
Min Balance $5,000 Last Updated 10/09/2026 Rate History 1 change since Sep 16, 2026 · 3.50% → 5.15% ▲ 1.65 pts · high 5.15% / low 3.50% Oct 9, 20265.15%▲ from 3.50% Sep 16, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
12 Month Legacy CD	-	5.15%	12 Months
Min Balance $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
24 month Certificate of Deposit	3.55%	3.60%	24 Months
Min Balance $200 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
12 month Certificate of Deposit	3.45%	3.50%	12 Months
Min Balance $200 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
6 Month Certificate of Deposit	3.37%	3.40%	6 Month
Min Balance $200 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
12 month Save to Win Certificate of Deposit	2.97%	3.00%	12 Months
Min Balance $25 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
48 month Certificate of Deposit	2.97%	3.00%	48 Months
Min Balance $200 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
60 month Certificate of Deposit	2.97%	3.00%	60 Months
Min Balance $200 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
36 month Certificate of Deposit	2.48%	2.50%	36 Months
Min Balance $200 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Diversified Members Credit Union Savings Rates

Product	Rate	APY
My Future Savings	0.35%	0.35%
Min Balance $100 Details Dividend Paid: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Christmas Club	0.30%	0.30%
Min Balance $0 Details Dividend Paid: November 1 Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Vacation Club	0.30%	0.30%
Min Balance $0 Details Dividend Paid: Annually Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Savings Shares	0.10%	0.10%
Min Balance $0 Details Dividend Paid: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Sub Share Savings	0.10%	0.10%
Min Balance $5 Details Dividend Paid: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Savings Account	-	0.05%
Min Deposit $5 Details Rates may change after the account is opened. Accurate as of the effective date stated above. Fees may reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Diversified Members Credit Union Money Market Rates

Product	Rate	APY
Money Market Tiers and APY	-	2.95%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 2.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Money Market Tiers and APY	-	2.45%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 2.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Money Market Tiers and APY	-	1.95%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 1.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Money Market Tiers and APY	-	1.70%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Money Market Tiers and APY	-	1.45%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 1.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Money Market Tiers and APY	-	1.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Money Market Tiers and APY	-	0.85%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Diversified Members Credit Union Checking Rates

Product	Rate	APY
Checking	-	0.05%
Details Rates may change after the account is opened. Accurate as of the effective date stated above. Fees may reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
DMCU Checking	0.05%	0.05%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
High Yield Checking	0.05%	0.05%
Min Balance $7,500 Details Rates may change after the account is opened. Accurate as of the effective date stated above. Fees may reduce earnings on the account. Rate is subject to change at any time. All accounts are subject to approval. One high yield checking account per membership. Must enroll in eStatements, have a minimum direct deposit of $500 per month, and use your Diversified Members Credit Union Debit Mastercard at least fifteen (15) times per month on signature and/or PIN-based transactions this does not include ATM transactions to earn increased APY. Transactions that are pending on your account and have not posted as of the end of the monthly qualification cycle will not count as a qualifying transaction for that cycle. If all qualifications are met, a high yield APY will apply to account balances of $7,500.00 or less and a lower APY will apply to balances of $7,500.01 or more. If you do not meet the qualifications during the qualification cycle, your entire balance earns the lower APY for that cycle. Your deposits are federally insured by the NCUA up to $250,000. Last Updated 10/09/2026 Rate History 2 changes since Sep 16, 2026 · 7.00% → 0.05% ▼ 6.95 pts · high 7.00% / low 0.05% Oct 9, 20260.05%▼ from 4.00% Sep 29, 20264.00%▼ from 7.00% Sep 16, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Diversified Members Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	5.75%	-	5.75%	up to 180 months
Details Loans from $10,000-$250,000; Fixed Monthly Payments; $200 processing fee is applicable for all Home Equity Loans and Home Equity Lines of Credit. Last Updated 10/09/2026 Rate History 1 change since Sep 16, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50% Sep 18, 20265.75%▲ from 5.50% Sep 16, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Home Equity Line of Credit	6.25%	-	6.25%
Details Variable Rate; Payments based on the funds used; Money is available when you need it; Loans from $10,000-$250,000; 10-year draw period; $200 processing fee is applicable for all Home Equity Loans and Home Equity Lines of Credit. Last Updated 10/09/2026 Rate History 1 change since Sep 16, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00% Sep 29, 20266.25%▲ from 6.00% Sep 16, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Diversified Members Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	3.50%	61 to 72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 3.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Auto Loan	-	-	3.50%	73 to 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 3.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Auto Loan	-	-	3.50%	Up to 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 3.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
New, Used Auto Loans - 2020 and older	-	-	4.50%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
New, Used Auto Loans - 2021 and newer	-	-	4.50%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
New, Used Auto Loans - 2020 and older	-	-	4.74%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
New, Used Auto Loans - 2021 and newer	-	-	4.74%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
New, Used Auto Loans - 2020 and older	-	-	4.99%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
New, Used Auto Loans - 2021 and newer	-	-	4.99%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
New, Used Auto Loans - 2020 and older	-	-	5.24%	75 months
Details Minimum Balance: $7,500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
New, Used Auto Loans - 2021 and newer	-	-	5.24%	75 months
Details Minimum Balance: $7,500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
New, Used Auto Loans - 2021 and newer	-	-	5.99%	84 months
Details New Untitled Vehicles Only, Minimum Balance: $7,500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Auto Loan	-	-	10.99%	Up to 48 months
Details As low as* Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Diversified Members Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motor Homes & Travel Trailers Loan	-	4.00%	180 months
Details APR = Annual Percentage Rate. The advertised rate is the lowest rate available. Qualifying rate based on the model year 2015 and newer. Advertised payment is based on a loan term of 180 months at an APR or annual percentage rate of 4.00%. Payment excludes taxes, title, fees, and any additional insurance products added to the loan. The prices displayed are examples based on average costs. Rates and terms may vary depending on credit qualifications, direct deposit, and auto pay from a DMCU checking or savings account. Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 4.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Motor Homes & Travel Trailers Loan	-	5.99%	Up to 60 months
Details As low as; Models 2016 or newer Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Motor Homes & Travel Trailers Loan	-	6.75%	Up to 180 months
Details As low as; Models 2016 or newer Last Updated 10/09/2026 Rate History 1 change since Sep 16, 2026 · 4.00% → 6.75% ▲ 2.75 pts · high 6.75% / low 4.00% Sep 22, 20266.75%▲ from 4.00% Sep 16, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Motor Homes & Travel Trailers Loan	-	6.75%	Up to 120 months
Details As low as; Models 2016 or newer Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Jet Ski - ATV - Snowmobiles Loan	-	7.25%	Up to 60 months
Details Model Year: 2016 or newer Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Motorcycles Loan	-	7.25%	Up to 60 months
Details Model Year: 2016 or newer Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Jet Ski - ATV - Snowmobiles Loan	-	7.50%	Up to 72 months
Details Model Year: 2016 or newer Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Motorcycles Loan	-	7.50%	Up to 72 months
Details Model Year: 2016 or newer Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Motor Homes & Travel Trailers Loan	-	7.99%	Up to 60 months
Details As low as; Models 2015 or older Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Motor Homes & Travel Trailers Loan	-	8.75%	Up to 180 months
Details As low as; Models 2015 or older Last Updated 10/09/2026 Rate History 1 change since Sep 16, 2026 · 4.00% → 8.75% ▲ 4.75 pts · high 8.75% / low 4.00% Sep 22, 20268.75%▲ from 4.00% Sep 16, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Motor Homes & Travel Trailers Loan	-	8.75%	Up to 120 months
Details As low as; Models 2015 or older Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Diversified Members Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	9.90%
Details Credit card rates start as low as 9.90% APR*. Click here to view our rates and disclosures. Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 9.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Diversified Members Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Rollover Traditional IRA	0.45%	-	0.45%
Min Balance $50 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

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

Diversified Members Credit Union’s Texas Ratio rose from 4.18% in Q3 2023 to 5.06% 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 — 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	$589M	5.06%	5.0	A+
March 31, 2026	$595M	4.56%	5.0	A+
December 31, 2025	$581M	5.55%	5.0	A+
September 30, 2025	$571M	5.38%	5.0	A+
June 30, 2025	$556M	3.81%	5.0	A+
March 31, 2025	$526M	3.26%	5.0	A+
December 31, 2024	$498M	3.83%	5.0	A+
September 30, 2024	$485M	3.23%	5.0	A+
June 30, 2024	$485M	3.37%	5.0	A+
March 31, 2024	$482M	3.55%	5.0	A+
December 31, 2023	$481M	4.21%	5.0	A+
September 30, 2023	$479M	4.18%	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 Diversified Members 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 Diversified Members 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 Diversified Members Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Diversified Members Credit Union

Website https://dmcu.com

Address 1480 E Jefferson Ave, Detroit, MI 48207

Phone 313-568-5000

Fax 313-568-6170

President Anthony Lamerato

CEO Sati Smith

Full-Time Employees 106

Part-Time Employees 2

Branch Locations 4

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+ (97/100)

Texas Ratio

5.06%

Return on Assets (ROA)

0.0255%

Return on Equity (ROE)

0.1735%

Non-Performing Loans Ratio (NPL)

1.73%

Total Assets

588,520,768

Total Amount of Shares and Deposits

455,576,962

Total Shares and Deposits < 1 Year

403,455,216

Total Shares and Deposits 1 3 Years

37,588,547

Total Shares and Deposits > 3 Years

14,533,199

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

84,083,059

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

84,083,059

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

371,493,903

Total Interest Expense (Sum of items 6 8)

5,442,242

Share Certificates

4,379

Number of Accounts for Share Drafts

17,256

IRA KEOGH Accounts

1,192

Number of Accounts for Regular Shares

38,325

All other shares

Non Member Deposits

Money Market Shares

814

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)

36,128,476

Total Liabilities

502,031,178

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Diversified Members Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Diversified Members Credit Union

How many branches does Diversified Members Credit Union operate?

Diversified Members 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 Diversified Members Credit Union?

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

Does Diversified Members Credit Union offer online and mobile banking?

Most modern institutions like Diversified Members 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://dmcu.com.