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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.
MADISON COUNTY Rates & Review September 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: September 22, 2026
MADISON COUNTY's 60 MONTH CD rates are at 2.79%, 48 MONTH CD rates are at 2.53%, 6 MONTH CD rates are at 2.53%, 30 MONTH CD rates are at 2.12%, 36 MONTH CD rates are at 2.12%. MADISON COUNTY's Personal Loan Rates are as low as 9.90%. MADISON COUNTY's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of MADISON COUNTY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.32%. Rates last updated and verified on 09/22/2026. MADISON COUNTY 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 MADISON COUNTY? Share your experience about MADISON COUNTY by leaving a review below, or read customer reviews before you decide to use MADISON COUNTY. MADISON COUNTY
Madison County Federal Credit Union 621 E 8th St
http://www.madcofcu.org Anderson, IN 46012-4018 
MADISON COUNTY CD Rates
MADISON COUNTY Savings Rates
MADISON COUNTY Home Equity & HELOC
MADISON COUNTY Auto Loan Rates
MADISON COUNTY RV, Boat and Powersport Loan Rates
MADISON COUNTY Credit Card Rates
MADISON COUNTY Personal Loan Rates
MADISON COUNTY Other Rates
Financial Health HistoryMADISON COUNTY’s Texas Ratio fell from 4.25% in Q2 2023 to 2.32% in Q1 2026, so its financial health has improved and is now 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)
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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 MADISON COUNTY 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 MADISON COUNTY 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 MADISON COUNTY's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
MADISON COUNTY
Website
http://www.madcofcu.org
Address
621 E 8th St,
Anderson, IN 46012-4018
Phone
765-644-3623
Fax
765-641-2346
President
Alan Esche
CEO
David Dodd
Full-Time Employees
32
Part-Time Employees
10
Branch Locations
5
ATM Locations
4
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
2.32%
Return on Assets (ROA)
0.2374%
Return on Equity (ROE)
2.2223%
Non-Performing Loans Ratio (NPL)
0.45%
Total Assets
117,132,779
Total Amount of Shares and Deposits
103,669,147
Total Shares and Deposits < 1 Year
103,376,032
Total Shares and Deposits 1 3 Years
215,884
Total Shares and Deposits > 3 Years
77,231
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,347,711
Total Uninsured Shares and Deposits > $250K (F+J)
3,347,711
Total Insured Shares and Deposits > $250K (item 17 less item K)
100,321,436
Total Interest Expense (Sum of items 6 8)
75,292
Share Certificates
268
Number of Accounts for Share Drafts
5,965
Number of Accounts for Regular Shares
13,223
All other shares
425
Net Income (unless the amount is already included in Undivided Earnings)
278,022
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)
11,617,601
Total Liabilities
104,811,889
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About MADISON COUNTYHow many branches does MADISON COUNTY operate?MADISON COUNTY 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 MADISON COUNTY?Yes, to access services at MADISON COUNTY, 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, MADISON COUNTY 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, MADISON COUNTY provides members with tools to manage their accounts and build a solid financial history. Does MADISON COUNTY offer online and mobile banking?Most modern institutions like MADISON COUNTY 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: http://www.madcofcu.org. Current MADISON COUNTY Rates
Retrieved from our database of financial products. Rates subject to change.
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