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 Members Credit Union Winston Salem, NC 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 9, 2026
Members Credit Union Winston Salem, NC's top rates as of October 9, 2026 are 3.66% APY on its 24 Month CD, 2.27% APY on savings, 2.07% APY on money market accounts, 0.01% APY on checking, personal loans from 14.00% APR, and credit cards from 14.00% APR, according to rates verified by MonitorBankRates. Other Members Credit Union Winston Salem, NC CD rates include 36 Month CD at 3.66%, 60 Month CD at 3.66%, and 12 Month CD at 3.45%. MonitorBankRates evaluates the financial stability of Members Credit Union Winston Salem, NC with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.03%. Rates last updated and verified on 10/09/2026. Members Credit Union Winston Salem, NC 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 Credit Union Winston Salem, NC? Share your experience about Members Credit Union Winston Salem, NC by leaving a review below, or read customer reviews before you decide to use Members Credit Union Winston Salem, NC. Members Credit Union Winston Salem, NC
Members Credit Union - Main 2098 Frontis Plaza Blvd Ste A
https://www.memcu.com Winston Salem, NC 27103-5779  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 Credit Union Winston Salem, NC CD Rates
Members Credit Union Winston Salem, NC Savings Rates
Members Credit Union Winston Salem, NC Money Market Rates
Members Credit Union Winston Salem, NC Checking Rates
Members Credit Union Winston Salem, NC Auto Loan Rates
Members Credit Union Winston Salem, NC Credit Card Rates
Members Credit Union Winston Salem, NC Personal Loan Rates
Members Credit Union Winston Salem, NC Other Rates
Financial Health HistoryMembers Credit Union Winston Salem, NC’s Texas Ratio fell from 3.88% in Q3 2023 to 2.03% in Q2 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 — 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 Credit Union Winston Salem, NC 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 Credit Union Winston Salem, NC 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 Credit Union Winston Salem, NC's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Members Credit Union Winston Salem, NC
Website
https://www.memcu.com
Address
2098 Frontis Plaza Blvd Ste A,
Winston Salem, NC 27103-5779
Phone
336-748-4800
Fax
336-748-4620
President
Jerry Church
CEO
Robert Donley
Full-Time Employees
119
Part-Time Employees
3
Branch Locations
17
ATM Locations
5
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
2.03%
Return on Assets (ROA)
0.5286%
Return on Equity (ROE)
3.5637%
Non-Performing Loans Ratio (NPL)
0.82%
Total Assets
477,083,365
Total Amount of Shares and Deposits
404,153,030
Total Shares and Deposits < 1 Year
393,629,378
Total Shares and Deposits 1 3 Years
9,172,052
Total Shares and Deposits > 3 Years
1,351,599
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,305,887
Total Uninsured Shares and Deposits > $250K (F+J)
13,305,887
Total Insured Shares and Deposits > $250K (item 17 less item K)
390,847,143
Total Interest Expense (Sum of items 6 8)
1,730,486
Share Certificates
1,501
Number of Accounts for Share Drafts
38,603
IRA KEOGH Accounts
1,217
Number of Accounts for Regular Shares
48,934
All other shares
280
Money Market Shares
2,554
Net Income (unless the amount is already included in Undivided Earnings)
2,521,871
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)
38,308,895
Total Liabilities
406,731,790
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Members Credit Union Winston Salem, NCHow many branches does Members Credit Union Winston Salem, NC operate?Members Credit Union Winston Salem, NC 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 Credit Union Winston Salem, NC?Yes, to access services at Members Credit Union Winston Salem, NC, 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 Credit Union Winston Salem, NC 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 Credit Union Winston Salem, NC provides members with tools to manage their accounts and build a solid financial history. Does Members Credit Union Winston Salem, NC offer online and mobile banking?Most modern institutions like Members Credit Union Winston Salem, NC 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.memcu.com. Current Members Credit Union Winston Salem, NC Rates
Retrieved from our database of financial products. Rates subject to change.
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