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 Plus Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 18, 2026
Members Plus Credit Union's 24 month 2 year CD rates are at 3.87%, 36 month 3 year CD rates are at 3.87%, 48 month 4 year CD rates are at 3.87%, 60 month 5 year CD rates are at 3.87%, 6 month CD rates are at 3.87%. Members Plus Credit Union's money market rates are at 0.20%. Members Plus Credit Union's Fixed Rate Mortgages - 15 Year Fixed rates are at 6.00%, 3/1 Year Adjustable Loan rates are at 5.62%, 5/1 Adjustable Loan rates are at 5.62%, Fixed Rate Mortgages - 30 Year Fixed rates are at 6.75%. Members Plus Credit Union's Personal Loan Rates are as low as 7.50%. Members Plus Credit Union's Credit Card Rates are at 4.90%. MonitorBankRates evaluates the financial stability of Members Plus Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.30%. Rates last updated and verified on 09/18/2026.
Members Plus 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 Plus Credit Union? Share your experience about Members Plus Credit Union by leaving a review below, or read customer reviews before you decide to use Members Plus Credit Union.
Members Plus Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Members Plus Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
3.30%
ExcellentLower than avg
Members Plus Credit Union Texas Ratio
Members Plus Credit Union's Texas Ratio is 3.30%, which is considered excellent and is lower than the national average of 6.13%.
Members Plus Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.18% to 3.30% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsFunds must be new money. The High Five Money Market is a blended rate account; you will earn the first-tier dividend rate and annual percentage yields on the balance up to $50,000.00. The High Five Money Market balance of $50,000.01 or over will match the dividend rates and annual percentage yields of the Money Market, WINN, Members Money Market, and W.E. Win Accounts.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Money Market
0.40%
0.40%
Min Balance$25,000
DetailsBalance: $25,000 and Over
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Money Market
0.25%
0.25%
Min Balance$10,000
DetailsBalance: $10,000-$24,999
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Money Market
0.20%
0.20%
Min Balance$0
DetailsBalance: $0-$999
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Money Market
0.20%
0.20%
Min Balance$1,000
DetailsBalance: $1,000-$9,999
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Members Plus Credit Union Checking Rates
Product
Rate
APY
View More
Members Plus Checking
0.10%
0.10%
No additional details.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Members Plus Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Fixed Rate Mortgages - 15 Year Fixed
6.00%
0
6.14%
15 years
DetailsRates and APRs effective August 3, 2026 and are subject to change without notice. Rates, APR, payments, and fees are based on 25% down payment and excellent credit history. Your actual interest rate, APR, payment, and fees may be different than what is displayed here and will be based on several factors, including but not limited to: your credit history, property type, and transaction type. All mortgages and home equity loans require property insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
3/1 Year Adjustable Loan
5.63%
0
6.42%
DetailsARM terms available.; 3/1 ARM- Your interest rate under this ARM can change after 36 months and every 12 months thereafter. Your interest rate cannot increase or decrease more than 2 percentage points at first adjustment and 2 percentage points per subsequent adjustment from the initial interest rate excluding any buydown. Your interest rate will never be greater than 5 percentage points above the initial interest rate or lower than 2.75%.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
5/1 Adjustable Loan
5.63%
0
6.58%
DetailsARM terms available.; 5/1 ARM- Your interest rate under this ARM can change after 60 months and every 12 months thereafter. Your interest rate cannot increase or decrease more than 5 percentage points at first adjustment and 2 percentage points per subsequent adjustment from the initial interest rate excluding any buydown. Your interest rate will never be greater than 5 percentage points above the initial interest rate or lower than 2.75%.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Fixed Rate Mortgages - 30 Year Fixed
6.75%
0
6.84%
30 years
DetailsRates and APRs effective August 3, 2026 and are subject to change without notice. Rates, APR, payments, and fees are based on 25% down payment and excellent credit history. Your actual interest rate, APR, payment, and fees may be different than what is displayed here and will be based on several factors, including but not limited to: your credit history, property type, and transaction type. All mortgages and home equity loans require property insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Members Plus Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Fixed Rate
6.25%
0
6.25%
1 - 3 Years
No additional details.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Home Equity Fixed Rate
6.50%
0
6.50%
4 - 5 Years
No additional details.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Home Equity Line of Credit
6.75%
0
6.75%
DetailsVariable rate based on Prime Rate as published by the Wall Street Journal. As of December 12, 2025, the Prime Rate is 6.75%. 12-year draw, 8-year repayment. Obtaining the best rate also requires the following criteria to be met: 1) A new home equity line of credit application, 2) A Loan-to-value (LTV) of 80% or less and 3) Strong creditworthiness. No closing costs, although properties held in trust may require additional fees. Early termination fee of $400 applies for lines of credit closed within first 36 months. All mortgages and home equity loans require property insurance. The maximum APR over the life of the loan is 18.00%
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Home Equity Fixed Rate
7.00%
0
7.00%
6 - 10 Years
No additional details.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Home Equity Fixed Rate
7.50%
0
7.50%
11 - 15 Years
No additional details.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Home Equity Fixed Rate
7.50%
0
7.50%
16 - 20 Years
No additional details.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Home Equity Unsecured
-
-
7.50%
0-36 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Home Equity Unsecured
-
-
7.75%
48 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Home Equity Unsecured
-
-
8.00%
60 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Home Equity Unsecured
-
-
8.25%
72 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Home Equity Unsecured
-
-
8.50%
84 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Members Plus Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loans
-
-
4.95%
up to 4-year term
DetailsFor new cars up to 4-year term
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Members Plus Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle - 3-Year Term Loan
-
6.99%
0-36 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Motorcycle - 4-Year Term Loan
-
7.24%
0-48 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Motorcycle - 5-Year Term Loan
-
7.74%
0-60 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Motorcycle - 6-Year Term Loan
-
7.99%
0-72 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
New Recreational Vehicle Loan
-
7.99%
0 - 60 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Used Recreational Vehicle Loan
-
8.49%
0 - 36 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Members Plus Credit Union Credit Card Rates
Product
Rate
APR
View More
MPCU Rewards Credit Card
-
4.90%
DetailsIntro rate expires: 4.90%**; Regular APR: See cardholder agreement for details.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Members Plus Credit Union Personal Loan Rates
Product
APR
Term
View More
Home Equity Unsecured
7.50%
0-36 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Home Equity Unsecured
7.75%
48 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Home Equity Unsecured
8.00%
60 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Home Equity Unsecured
8.25%
72 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Home Equity Unsecured
8.50%
84 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Personal Loan
9.99%
12 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Personal Loan
11.99%
24 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Personal Loan
13.99%
36-60 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Personal Loan
14.99%
72-84 months
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Members Plus Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Consumer Loans
-
-
9.99%
12 month term
DetailsStarting rate for 12 month term
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Mass Save HEAT Loan
-
-
0.00%
Details0% Interest Loan
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Open End Loan
-
-
12.90%
DetailsAPR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Additional Share Account
0.10%
-
0.10%
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Certificates of Deposit and IRAs
0.20%
-
0.20%
Min Deposit$500
Min Balance$0
DetailsBalance: $0-$999
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Certificates of Deposit and IRAs
0.20%
-
0.20%
Min Deposit$500
Min Balance$1,000
DetailsBalance: $1,000-$9,999
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Certificates of Deposit and IRAs
0.25%
-
0.25%
Min Deposit$500
Min Balance$10,000
DetailsBalance: $10,000-$24,999
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Certificates of Deposit and IRAs
0.40%
-
0.40%
Min Deposit$500
Min Balance$25,000
DetailsBalance: $25,000 or greater
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Certificates of Deposit and IRAs
0.10%
-
0.10%
DetailsBalance: $0 - unlimited
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
IRA Share Account
0.10%
-
0.10%
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Main Share Account
0.10%
-
0.10%
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Share Certificate
0.20%
-
0.20%
Min Balance$0
DetailsBalance: $0-$999
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Share Certificate
0.20%
-
0.20%
Min Balance$1,000
DetailsBalance: $1,000-$9,999
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Share Certificate
0.25%
-
0.25%
Min Balance$10,000
DetailsBalance: $10,000-$24,999
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Share Certificate
0.40%
-
0.40%
Min Balance$25,000
DetailsBalance: $25,000 or greater
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.30%
Financial Health History
Members Plus Credit Union’s Texas Ratio stayed near 3.18% in Q2 2023 to 3.30% 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; 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)
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
March 31, 2026
$356M
3.30%
5.0
A+
December 31, 2025
$341M
2.78%
5.0
A+
September 30, 2025
$345M
2.36%
5.0
A+
June 30, 2025
$344M
3.78%
5.0
A+
March 31, 2025
$337M
3.38%
5.0
A+
December 31, 2024
$322M
6.54%
5.0
A
September 30, 2024
$326M
5.06%
5.0
A+
June 30, 2024
$359M
1.30%
5.0
A+
March 31, 2024
$365M
1.61%
5.0
A+
December 31, 2023
$365M
2.11%
5.0
A+
September 30, 2023
$342M
4.84%
5.0
A+
June 30, 2023
$340M
3.18%
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 Plus 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 Plus 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 Plus Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
32,824,095
Total Uninsured Shares and Deposits > $250K (F+J)
32,824,095
Total Insured Shares and Deposits > $250K (item 17 less item K)
252,423,456
Total Interest Expense (Sum of items 6 8)
1,612,427
Share Certificates
1,898
Number of Accounts for Share Drafts
8,422
IRA KEOGH Accounts
539
Number of Accounts for Regular Shares
15,895
All other shares
65
Money Market Shares
856
Net Income (unless the amount is already included in Undivided Earnings)
-436,519
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)
77,397,196
Total Liabilities
335,754,630
Source: NCUA — Last Updated 03/31/2026
2026 MBR Health & Safety Badge
Members Plus Credit Union earned the Verified Healthy badge
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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Members Plus Credit Union
How many branches does Members Plus Credit Union operate?
Members Plus 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 Plus Credit Union?
Yes, to access services at Members Plus 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 Plus 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 Plus Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Members Plus Credit Union offer online and mobile banking?
Most modern institutions like Members Plus 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://memberspluscu.org.
Current Members Plus Credit Union Rates
12-Month CD3.75%
18-Month CD3.75%
24-Month CD3.87%
60-Month CD3.87%
MMA0.20%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
