|
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.
 Members Advantage Credit Union Michigan City, IN 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.
Read Full Bio →
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 Michigan City, IN's 11 Mo. CD rates are at 4.25%, 7 Mo. CD rates are at 4.00%, 60 Mo. CD rates are at 3.81%, 36 Mo. CD rates are at 3.76%, 12 Mo. CD rates are at 3.71%. Members Advantage Credit Union Michigan City, IN's savings rates are at 0.07%. Members Advantage Credit Union Michigan City, IN's money market rates are at 2.68%. Members Advantage Credit Union Michigan City, IN's Personal Loan Rates are as low as 12.99%. MonitorBankRates evaluates the financial stability of Members Advantage Credit Union Michigan City, IN with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.92%. Rates last updated and verified on 09/22/2026. Members Advantage Credit Union Michigan City, IN 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 Michigan City, IN? Share your experience about Members Advantage Credit Union Michigan City, IN by leaving a review below, or read customer reviews before you decide to use Members Advantage Credit Union Michigan City, IN. Members Advantage Credit Union Michigan City, IN
Ohio Steet Branch 3064 Ohio St
https://www.macuonline.org Michigan City, IN 46360-6866 
Members Advantage Credit Union Michigan City, IN CD Rates
Members Advantage Credit Union Michigan City, IN Savings Rates
Members Advantage Credit Union Michigan City, IN Money Market Rates
Members Advantage Credit Union Michigan City, IN Checking Rates
Members Advantage Credit Union Michigan City, IN Home Equity & HELOC
Members Advantage Credit Union Michigan City, IN RV, Boat and Powersport Loan Rates
Members Advantage Credit Union Michigan City, IN Personal Loan Rates
Members Advantage Credit Union Michigan City, IN Other Rates
Financial Health HistoryMembers Advantage Credit Union Michigan City, IN’s Texas Ratio rose from 1.50% in Q2 2023 to 5.92% in Q1 2026, so its financial health has weakened 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)
Powered by
MonitorBankRates
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 Michigan City, IN 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 Michigan City, IN 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 Michigan City, IN's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Members Advantage Credit Union Michigan City, IN
Website
https://www.macuonline.org
Address
3064 Ohio St,
Michigan City, IN 46360-6866
Phone
219-874-6943
Fax
219-873-0568
President
Michael Palmer
CEO
Frank Beachnau
Full-Time Employees
17
Part-Time Employees
3
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.92%
Return on Assets (ROA)
0.0979%
Return on Equity (ROE)
1.0666%
Non-Performing Loans Ratio (NPL)
1.46%
Total Assets
134,726,601
Total Amount of Shares and Deposits
122,972,725
Total Shares and Deposits < 1 Year
118,438,510
Total Shares and Deposits 1 3 Years
2,477,574
Total Shares and Deposits > 3 Years
2,056,639
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,490,359
Total Uninsured Shares and Deposits > $250K (F+J)
3,490,359
Total Insured Shares and Deposits > $250K (item 17 less item K)
119,482,366
Total Interest Expense (Sum of items 6 8)
401,953
Share Certificates
817
Number of Accounts for Share Drafts
5,567
IRA KEOGH Accounts
253
Number of Accounts for Regular Shares
9,337
All other shares
7
Money Market Shares
302
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)
6,766,275
Total Liabilities
123,482,849
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Members Advantage Credit Union Michigan City, IN yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Members Advantage Credit Union Michigan City, IN
Frequently Asked Questions About Members Advantage Credit Union Michigan City, INHow many branches does Members Advantage Credit Union Michigan City, IN operate?Members Advantage Credit Union Michigan City, IN 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 Michigan City, IN?Yes, to access services at Members Advantage Credit Union Michigan City, IN, 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 Michigan City, IN 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 Michigan City, IN provides members with tools to manage their accounts and build a solid financial history. Does Members Advantage Credit Union Michigan City, IN offer online and mobile banking?Most modern institutions like Members Advantage Credit Union Michigan City, IN 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.macuonline.org. Current Members Advantage Credit Union Michigan City, IN Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
TruNorthern Federal Credit Union
Subiaco Federal Credit Union
FRB Federal Credit Union
BOSSIER
United Local Credit Union
Midwest Family Federal Credit Union
Georgia Heritage Federal Credit Union
GSA Federal Credit Union
edU Federal Credit Union
East End Baptist Tabernacle Federal Credit Union
Brazos Valley Schools Credit Union
Northwest Christian Credit Union
Cleveland Police Credit Union
Wescom Central Credit Union
SCI Federal Credit Union
Division #6 Highway Credit Union
L.E.O Credit Union
Northeast Alabama Postal FCU
Insight Credit Union
Nebo Credit Union
Coca Cola Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
