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 Members Advantage Credit Union Michigan City, IN Rates & Review October 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: October 1, 2026
Members Advantage Credit Union Michigan City, IN's top rates as of October 1, 2026 are 4.25% APY on its 11 Mo. CD, 2.46% APY on savings, 2.79% APY on money market accounts, 2.43% APY on checking, and personal loans from 12.99% APR, according to rates verified by MonitorBankRates. Other Members Advantage Credit Union Michigan City, IN CD rates include 7 Mo. CD at 4.00%, 60 Mo. CD at 3.81%, and 36 Mo. CD at 3.76%. 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 4.96%. Rates last updated and verified on 10/01/2026. 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  Customer Reviews
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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. 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 1.63% in Q3 2023 to 4.96% in Q2 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; 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 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
22
Part-Time Employees
2
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+ (98/100)
Texas Ratio
4.96%
Return on Assets (ROA)
0.2219%
Return on Equity (ROE)
2.3423%
Non-Performing Loans Ratio (NPL)
1.23%
Total Assets
132,187,253
Total Amount of Shares and Deposits
120,463,109
Total Shares and Deposits < 1 Year
115,595,559
Total Shares and Deposits 1 3 Years
2,655,759
Total Shares and Deposits > 3 Years
2,211,791
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,224,633
Total Uninsured Shares and Deposits > $250K (F+J)
3,224,633
Total Insured Shares and Deposits > $250K (item 17 less item K)
117,238,476
Total Interest Expense (Sum of items 6 8)
791,400
Share Certificates
812
Number of Accounts for Share Drafts
5,539
IRA KEOGH Accounts
241
Number of Accounts for Regular Shares
9,280
All other shares
7
Money Market Shares
310
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)
-228,289
Total Liabilities
120,987,267
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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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.
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