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 Members Advantage Credit Union 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
Members Advantage Credit Union's 60 Month CD rates are at 3.46%, IRA min. deposit 60 Month rates are at 3.46%, IRA CD - Traditional / Roth and Education SAs - 60 Month rates are at 3.46%, Youth CD - 60 Month rates are at 3.46%, 48 Month CD rates are at 3.35%. Members Advantage Credit Union's savings rates are at 0.15%. Members Advantage Credit Union's money market rates are at 0.45%. Members Advantage Credit Union's Personal Loan Rates are as low as 9.79%. Members Advantage Credit Union's Credit Card Rates are at 11.99%. MonitorBankRates evaluates the financial stability of Members Advantage Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.50%. Rates last updated and verified on 09/22/2026. Members Advantage 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 Members Advantage Credit Union? Share your experience about Members Advantage Credit Union by leaving a review below, or read customer reviews before you decide to use Members Advantage Credit Union. Members Advantage Credit Union
Wisconsin Rapids Office 1610 Lincoln St
https://www.membersadvantagecu.com Wisconsin Rapids, WI 54494-5920 
Members Advantage Credit Union CD Rates
Members Advantage Credit Union Savings Rates
Members Advantage Credit Union Money Market Rates
Members Advantage Credit Union Checking Rates
Members Advantage Credit Union Auto Loan Rates
Members Advantage Credit Union RV, Boat and Powersport Loan Rates
Members Advantage Credit Union Credit Card Rates
Members Advantage Credit Union Personal Loan Rates
Members Advantage Credit Union Other Rates
Financial Health HistoryMembers Advantage Credit Union’s Texas Ratio fell from 1.24% in Q2 2023 to 0.50% in Q1 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 Members Advantage 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 Members Advantage 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 Members Advantage Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Members Advantage Credit Union
Address
1610 Lincoln St,
Wisconsin Rapids, WI 54494-5920
Phone
715-421-1610
Fax
715-421-1617
President
Thomas Scharff
CEO
Thomas Bulin
Full-Time Employees
26
Part-Time Employees
8
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.50%
Return on Assets (ROA)
0.4214%
Return on Equity (ROE)
2.2290%
Non-Performing Loans Ratio (NPL)
0.14%
Total Assets
183,517,801
Total Amount of Shares and Deposits
146,753,310
Total Shares and Deposits < 1 Year
138,498,370
Total Shares and Deposits 1 3 Years
5,175,300
Total Shares and Deposits > 3 Years
3,079,640
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,277,953
Total Uninsured Shares and Deposits > $250K (F+J)
9,277,953
Total Insured Shares and Deposits > $250K (item 17 less item K)
137,475,357
Total Interest Expense (Sum of items 6 8)
431,940
Share Certificates
1,014
Number of Accounts for Share Drafts
6,677
IRA KEOGH Accounts
369
Number of Accounts for Regular Shares
13,306
All other shares
611
Money Market Shares
639
Net Income (unless the amount is already included in Undivided Earnings)
773,430
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)
1,944,442
Total Liabilities
149,630,743
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Members Advantage Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Members Advantage Credit UnionHow many branches does Members Advantage Credit Union operate?Members Advantage 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 Members Advantage Credit Union?Yes, to access services at Members Advantage 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, Members Advantage 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, Members Advantage Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Members Advantage Credit Union offer online and mobile banking?Most modern institutions like Members Advantage 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.membersadvantagecu.com. Current Members Advantage Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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