What are the current interest rates at MEMBERS EXCHANGE?

Current rates for MEMBERS EXCHANGE include: 12-Month CD: 1.00%, 24-Month CD: 1.10%

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MEMBERS EXCHANGE

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MEMBERS EXCHANGE Rates & Review October 2026

Q: How many branches does MEMBERS EXCHANGE operate?

MEMBERS EXCHANGE currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join MEMBERS EXCHANGE?

Yes, to access services at MEMBERS EXCHANGE, 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.

Q: Is there a first-time homebuyer program?

Currently, MEMBERS EXCHANGE 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, MEMBERS EXCHANGE provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

MEMBERS EXCHANGE's top rate as of October 10, 2026 is 1.30% APY on its 48 month Share & IRA CD, according to rates verified by MonitorBankRates. Other MEMBERS EXCHANGE CD rates include 36 month Share & IRA CD at 1.20%, 24 month Share & IRA CD at 1.10%, and 12 month Share & IRA CD at 1.00%. MonitorBankRates evaluates the financial stability of MEMBERS EXCHANGE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.77%. Rates last updated and verified on 10/10/2026.

MEMBERS EXCHANGE 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 EXCHANGE? Share your experience about MEMBERS EXCHANGE by leaving a review below, or read customer reviews before you decide to use MEMBERS EXCHANGE.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.77%

Excellent Lower than avg

Health Trend

Very strong 11 quarters

Full history ›

MEMBERS EXCHANGE
Branch - Marketridge

107 Marketridge Dr
Ridgeland, MS 39157-6027

http://www.mecuanywhere.com

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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 EXCHANGE CD Rates

Product	Rate	APY	Term
48 month Share & IRA Certificate	1.292%	1.30%	48 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
36 month Share & IRA Certificate	1.193%	1.20%	36 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
24 month Share & IRA Certificate	1.094%	1.10%	24 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
12 month Share & IRA Certificate	0.995%	1.00%	12 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
6 month Share & IRA Certificate	0.723%	0.725%	6 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.73% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

MEMBERS EXCHANGE’s Texas Ratio stayed near 0.54% in Q4 2023 to 0.77% in Q2 2026, so its financial health has stayed very strong over the past 11 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$144M	0.77%	5.0	A+
March 31, 2026	$144M	0.28%	5.0	A+
December 31, 2025	$140M	0.64%	5.0	A+
September 30, 2025	$138M	0.45%	5.0	A+
June 30, 2025	$141M	0.44%	5.0	A+
March 31, 2025	$139M	0.30%	5.0	A+
December 31, 2024	$133M	0.57%	5.0	A+
September 30, 2024	$132M	0.57%	5.0	A+
June 30, 2024	$133M	0.77%	5.0	A+
March 31, 2024	$134M	0.86%	5.0	A+
December 31, 2023	$130M	0.54%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for MEMBERS EXCHANGE 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 EXCHANGE 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 EXCHANGE's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MEMBERS EXCHANGE

Website http://www.mecuanywhere.com

Address 107 Marketridge Dr, Ridgeland, MS 39157-6027

Phone 601-922-3350

Fax 601-922-1733

President Kenneth Allison

CEO Susan Boshart

Full-Time Employees 44

Part-Time Employees 0

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.77%

Return on Assets (ROA)

0.3642%

Return on Equity (ROE)

1.7169%

Non-Performing Loans Ratio (NPL)

0.37%

Total Assets

143,553,289

Total Amount of Shares and Deposits

110,742,644

Total Shares and Deposits < 1 Year

104,294,257

Total Shares and Deposits 1 3 Years

4,285,629

Total Shares and Deposits > 3 Years

2,162,758

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

8,573,559

Total Uninsured Shares and Deposits > $250K (F+J)

8,573,559

Total Insured Shares and Deposits > $250K (item 17 less item K)

102,169,085

Total Interest Expense (Sum of items 6 8)

750,150

Share Certificates

1,171

Number of Accounts for Share Drafts

6,460

IRA KEOGH Accounts

651

Number of Accounts for Regular Shares

18,056

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

522,751

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)

11,448,408

Total Liabilities

113,503,205

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

MEMBERS EXCHANGE earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/members-exchange-rates-review-24952">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About MEMBERS EXCHANGE

How many branches does MEMBERS EXCHANGE operate?

MEMBERS EXCHANGE 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 EXCHANGE?

Yes, to access services at MEMBERS EXCHANGE, 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 EXCHANGE 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 EXCHANGE provides members with tools to manage their accounts and build a solid financial history.

Does MEMBERS EXCHANGE offer online and mobile banking?

Most modern institutions like MEMBERS EXCHANGE 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.mecuanywhere.com.