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Members1st Community Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
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.
Read Full Bio →
| iEditorial Disclosure
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

Members1st Community Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 9 Month CD Special, 2.27% APY on savings, 7.00% APY on checking, personal loans from 11.00% APR, and credit cards from 11.40% APR, according to rates verified by MonitorBankRates. Other Members1st Community Credit Union CD rates include 9-month CD Special at 4.00%, IRA CD of Deposit - 9 month special at 4.00%, and 18 Month CD Special at 3.75%. MonitorBankRates evaluates the financial stability of Members1st Community Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.02%. Rates last updated and verified on 10/09/2026.

Members1st Community 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 Members1st Community Credit Union? Share your experience about Members1st Community Credit Union by leaving a review below, or read customer reviews before you decide to use Members1st Community Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.02%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
Members1st Community Credit Union
Marshalltown Main Office
104 W Anson St
Marshalltown, IA 50158
https://www.members1st.com
Member NCUA
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.

Members1st Community Credit Union CD Rates

Product Rate APY Term View More
9 Month Certificate Special 3.928% 4.00% 9 months
Details limited time!
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
9-month CD Special - 4.00% 9 months
Min Deposit $500
Details Some restrictions may apply.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
IRA Certificate of Deposit - 9 month special 3.928% 4.00% 9 months
Details special - limited time!
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
18 Month Certificate Special 3.687% 3.75% 18 months
Details limited time!
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
18-month CD Special - 3.75% 18 months
Min Deposit $500
Details Some restrictions may apply.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
IRA Certificate of Deposit - 18 month special 3.687% 3.75% 18 months
Details special - limited time!
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Kids1st CD - 24 month 3.50% 3.56% 24 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Kids1st CD - 12 month 3.25% 3.30% 12 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
24 Month Certificate 3.10% 3.15% 24 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
IRA Certificate of Deposit - 24 month 3.10% 3.15% 24 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
30 Month Certificate 3.05% 3.09% 30 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.09% APY · checked 5 times
2.59%3.09%3.59%Sep 18, 2026: 3.09% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
18 Month Certificate 3.00% 3.04% 18 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
36 Month Certificate 3.00% 3.04% 36 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
IRA Certificate of Deposit - 36 month 3.00% 3.04% 36 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
15 Month Certificate 2.95% 2.99% 15 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.99% APY · checked 5 times
2.49%2.99%3.49%Sep 18, 2026: 2.99% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
12 Month Certificate 2.90% 2.94% 12 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 18, 2026: 2.94% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
48 Month Certificate 2.90% 2.94% 48 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 18, 2026: 2.94% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
IRA Certificate of Deposit - 12 month 2.90% 2.94% 12 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 18, 2026: 2.94% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
IRA Certificate of Deposit - 48 month 2.90% 2.94% 48 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 18, 2026: 2.94% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
60 Month Certificate 2.80% 2.84% 60 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 5 times
2.34%2.84%3.34%Sep 18, 2026: 2.84% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
IRA Certificate of Deposit - 60 month 2.80% 2.84% 60 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 5 times
2.34%2.84%3.34%Sep 18, 2026: 2.84% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
9 Month Certificate 2.70% 2.73% 9 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.73% APY · checked 5 times
2.23%2.73%3.23%Sep 18, 2026: 2.73% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
6 Month Certificate 2.50% 2.53% 6 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 5 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
5 Month Certificate 2.40% 2.43% 5 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.43% APY · checked 5 times
1.93%2.43%2.93%Sep 18, 2026: 2.43% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

Members1st Community Credit Union Savings Rates

Product Rate APY View More
Money Market Savings 2.25% 2.27%
Min Balance $200,000
Details Balance: $200,000+
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 18, 2026: 2.27% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Money Market Savings 2.00% 2.02%
Min Balance $100,000
Details Balance: $100,000-$199,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 18, 2026: 2.02% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Money Market Savings 1.75% 1.76%
Min Balance $50,000
Details Balance: $50,000-$99,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 1.76% APY · checked 5 times
1.26%1.76%2.26%Sep 18, 2026: 1.76% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Money Market Savings 1.55% 1.56%
Min Balance $25,000
Details Balance: $25,000-$49,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 1.56% APY · checked 5 times
1.06%1.56%2.06%Sep 18, 2026: 1.56% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Money Market Savings 1.15% 1.16%
Min Balance $10,000
Details Balance: $10,000-$24,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 1.16% APY · checked 5 times
0.66%1.16%1.66%Sep 18, 2026: 1.16% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Money Market Savings 1.00% 1.01%
Min Balance $2,500
Details Balance: $2,500-$9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 5 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Health Savings Account 0.50% 0.50%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
IRA Share Savings 0.30% 0.30%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.30% APY · checked 5 times
0.00%0.40%0.80%Sep 18, 2026: 0.30% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Holiday Club 0.15% 0.15%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Set-a-Goal Savings 0.15% 0.15%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Share Savings 0.10% 0.10%
Min Balance $100
Details Balance: $100.00-$999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Share Savings 0.10% 0.10%
Min Balance $1,000
Details Balance: $1,000.00-$9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Share Savings 0.10% 0.10%
Min Balance $10,000
Details Balance: $10,000.00-$24,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Share Savings 0.10% 0.10%
Min Balance $25,000
Details Balance: $25,000.00-$49,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Share Savings 0.10% 0.10%
Min Balance $50,000
Details Balance: $50,000.00+
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

Members1st Community Credit Union Money Market Rates

Product Rate APY View More
Money Market Savings 2.25% 2.27%
Min Balance $200,000
Details Balance: $200,000+
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 18, 2026: 2.27% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Money Market Savings 2.00% 2.02%
Min Balance $100,000
Details Balance: $100,000-$199,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 18, 2026: 2.02% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Money Market Savings 1.75% 1.76%
Min Balance $50,000
Details Balance: $50,000-$99,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 1.76% APY · checked 5 times
1.26%1.76%2.26%Sep 18, 2026: 1.76% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Money Market Savings 1.55% 1.56%
Min Balance $25,000
Details Balance: $25,000-$49,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 1.56% APY · checked 5 times
1.06%1.56%2.06%Sep 18, 2026: 1.56% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Money Market Savings 1.15% 1.16%
Min Balance $10,000
Details Balance: $10,000-$24,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 1.16% APY · checked 5 times
0.66%1.16%1.66%Sep 18, 2026: 1.16% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Money Market Savings 1.00% 1.01%
Min Balance $2,500
Details Balance: $2,500-$9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 5 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

Members1st Community Credit Union Checking Rates

Product Rate APY View More
Yield 1st Checking - 7.00%
Min Balance $0
Details Balance: up to $5,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.00% APY · checked 5 times
6.50%7.00%7.50%Sep 18, 2026: 7.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
YIELD 1st Checking - 7.00%
Min Balance $5,000
Details Qualifications Required: eStatements enrollment; online banking login; 20+ debit or credit card purchases; ACH deposits of $500+ per month; 0.10% APY on balance above $5,000. Rate subject to change.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.00% APY · checked 5 times
6.50%7.00%7.50%Sep 18, 2026: 7.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Yield 1st Checking - 0.10%
Min Balance $5,000
Details Balance: over $5,000
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.00% → 0.10% ▼ 6.90 pts · high 7.00% / low 0.10%
0.00%6.95%13.90%Sep 18, 2026: 7.00% APYOct 9, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20260.10%▼ from 7.00%
  • Sep 18, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

Members1st Community Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New & Used Autos/Trucks - - 4.49% Up to 60 Months
Details Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
New & Used Autos/Trucks - - 4.74% 61 months
Details Term: 61 - 72 Months (Loan must be $18,001 or more); Apply Online
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 9, 2026: 4.74% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
New & Used Autos/Trucks - - 4.99% 73 months
Details Term: 73-84 Months (Loan must be $30,001 or more & mileage under 25,000 miles); Apply Online
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 9, 2026: 4.99% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Seasonal Vehicles Loan - - 4.99% Up to 60 months
Details As Low As; Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
New & Used Autos/Trucks - 49 - 60 Months - - 5.24% 49-60 months
Details Apply Online; **
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
New & Used Autos/Trucks - 61 - 72 Months - - 5.49% 61-72 months
Details Apply Online; **
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Seasonal Vehicles Loan - - 5.49% 61-84 months
Details As Low As; Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Seasonal Vehicles Loan - - 5.49% Up to 60 months
Details Model Years 2020-2023; Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
New & Used Autos/Trucks - Model Years 2017-2019 - - 5.79% Up to 36 Months
Details Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 16, 2026 · 5.79% APR · checked 3 times
5.29%5.79%6.29%Sep 16, 2026: 5.79% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Seasonal Vehicles Loan - - 5.99% 85-120 months
Details As Low As; Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Seasonal Vehicles Loan - - 5.99% 61-84 months
Details Model Years 2020-2023; Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
New & Used Autos/Trucks - Model Years 2017-2019 - - 6.04% 37-48 Months
Details Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 16, 2026 · 6.04% APR · checked 3 times
5.54%6.04%6.54%Sep 16, 2026: 6.04% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
New & Used Autos/Trucks - Model Years 2017-2019 - - 6.29% 49-60 Months
Details Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 16, 2026 · 6.29% APR · checked 3 times
5.79%6.29%6.79%Sep 16, 2026: 6.29% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Seasonal Vehicles Loan - - 6.49% 121-180 months
Details As Low As; Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.49% APR · checked 5 times
5.99%6.49%6.99%Sep 18, 2026: 6.49% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Seasonal Vehicles Loan - - 6.49% 85-120 months
Details Model Years 2020-2023; Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.49% APR · checked 5 times
5.99%6.49%6.99%Sep 18, 2026: 6.49% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Seasonal Vehicles - Model Years 2019 and older Loan - - 6.99% Up to 60 months
Details Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 5 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Seasonal Vehicles - Model Years 2019 and older Loan - - 7.49% 61-84 months
Details Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 16, 2026 · 7.49% APR · checked 5 times
6.99%7.49%7.99%Sep 16, 2026: 7.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
New & Used Autos/Trucks - Model Years 2016 and older - - 7.79% Up to 36 months
Details Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 16, 2026 · 7.79% APR · checked 6 times
7.29%7.79%8.29%Sep 16, 2026: 7.79% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
New & Used Autos/Trucks - Model Years 2016 and older - - 8.04% 37-48 months
Details Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 16, 2026 · 8.04% APR · checked 6 times
7.54%8.04%8.54%Sep 16, 2026: 8.04% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

Members1st Community Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
RVs & More Loan - 4.99%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

Members1st Community Credit Union Credit Card Rates

Product Rate APR View More
VISA - 11.40%
Details Published APR range: 11.40% - 21.00%. This APR may vary with the market based on the Prime Rate.; Regular APR: 11.40% - 21.00%
Last Updated 10/09/2026
Rate History
1 change since Sep 16, 2026 · 11.15% → 11.40% ▲ 0.25 pts · high 11.40% / low 11.15%
10.65%11.28%11.90%Sep 16, 2026: 11.15% APROct 9, 2026: 11.40% APRSep 16, 2026Oct 13, 2026
  • Oct 9, 202611.40%▲ from 11.15%
  • Sep 16, 202611.15%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

Members1st Community Credit Union Personal Loan Rates

Product APR Term View More
Personal Line of Credit 11.00%
Details VAPR***; Apply Online
Last Updated 10/09/2026
Rate History
1 change since Sep 16, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75%
10.25%10.88%11.50%Sep 16, 2026: 10.75% APROct 9, 2026: 11.00% APRSep 16, 2026Oct 13, 2026
  • Oct 9, 202611.00%▲ from 10.75%
  • Sep 16, 202610.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Personal/Signature Loan - Up to 36 months 11.74% Up to 36 months
Details Apply Online
Last Updated 10/09/2026
Rate History
No change since Sep 16, 2026 · 11.74% APR · checked 2 times
11.24%11.74%12.24%Sep 16, 2026: 11.74% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Personal/Signature Loan - 37-60 months 12.74% 37-60 months
Details Apply Online
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 12.74% APR
12.24%12.74%13.24%Oct 9, 2026: 12.74% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

Members1st Community Credit Union Other Rates

Product Rate Points APY/APR Term View More
LIQUIDITY1st 0.50% - 0.50%
Min Balance $1,000
Details Balance: $1,000-$9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
LIQUIDITY1st 0.50% - 0.50%
Min Balance $10,000
Details Balance: $10,000-$24,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
LIQUIDITY1st 0.50% - 0.50%
Min Balance $25,000
Details Balance: $25,000-$49,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
LIQUIDITY1st 0.70% - 0.70%
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 5 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Secondary Shares 0.10% - 0.10%
Min Balance $50
Details Balance: $50.00-$999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Secondary Shares 0.10% - 0.10%
Min Balance $1,000
Details Balance: $1,000.00-$9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Secondary Shares 0.10% - 0.10%
Min Balance $10,000
Details Balance: $10,000.00-$24,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Secondary Shares 0.10% - 0.10%
Min Balance $25,000
Details Balance: $25,000.00-$49,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Secondary Shares 0.10% - 0.10%
Min Balance $50,000
Details Balance: $50,000.00+
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Virtual Coin Jar 0.10% - 0.10%
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
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.
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Financial Health History

Members1st Community Credit Union’s Texas Ratio rose from 2.49% in Q3 2023 to 6.02% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 2.49% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A Q1 2026 6.02% A Q2 2026
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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$311M6.02%5.0A
March 31, 2026$307M6.39%5.0A
December 31, 2025$297M5.28%5.0A+
September 30, 2025$292M3.57%5.0A+
June 30, 2025$291M4.36%5.0A+
March 31, 2025$292M3.88%5.0A+
December 31, 2024$271M3.93%5.0A+
September 30, 2024$259M3.13%5.0A+
June 30, 2024$265M3.89%5.0A+
March 31, 2024$263M2.55%5.0A+
December 31, 2023$261M3.24%5.0A+
September 30, 2023$243M2.49%5.0A+
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 Members1st Community 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 Members1st Community 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 Members1st Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Members1st Community Credit Union
Website https://www.members1st.com
Address 104 W Anson St, Marshalltown, IA 50158
Phone 641-752-1582
Fax 641-752-1514
President Kelley Molitor
CEO Nicholas Tonelli
Full-Time Employees 63
Part-Time Employees 6
Branch Locations 7
ATM Locations 5
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.02%
Return on Assets (ROA)
0.2090%
Return on Equity (ROE)
2.1905%
Non-Performing Loans Ratio (NPL)
0.88%
Total Assets
311,109,658
Total Amount of Shares and Deposits
278,755,788
Total Shares and Deposits < 1 Year
271,658,075
Total Shares and Deposits 1 3 Years
6,469,788
Total Shares and Deposits > 3 Years
627,925
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,080,702
Total Uninsured Shares and Deposits > $250K (F+J)
11,080,702
Total Insured Shares and Deposits > $250K (item 17 less item K)
267,675,086
Total Interest Expense (Sum of items 6 8)
2,089,069
Share Certificates
3,200
Number of Accounts for Share Drafts
13,111
IRA KEOGH Accounts
467
Number of Accounts for Regular Shares
25,409
All other shares
275
Money Market Shares
986
Net Income (unless the amount is already included in Undivided Earnings)
650,139
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)
28,589,800
Total Liabilities
281,666,587
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Members1st Community Credit Union 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/members1st-community-credit-union-rates-review-62918">
  <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.

Customer Reviews

There are no reviews for Members1st Community Credit Union 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.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Members1st Community Credit Union

How many branches does Members1st Community Credit Union operate?

Members1st Community 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 Members1st Community Credit Union?

Yes, to access services at Members1st Community 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, Members1st Community 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, Members1st Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Members1st Community Credit Union offer online and mobile banking?

Most modern institutions like Members1st Community 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://www.members1st.com.

Current Members1st Community Credit Union Rates

  • 12-Month CD2.94%
  • 18-Month CD3.04%
  • 24-Month CD3.15%
  • 60-Month CD2.84%
  • Savings2.27%
Retrieved from our database of financial products. Rates subject to change.

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