What are the current interest rates at Monroe Community Credit Union?

Current rates for Monroe Community Credit Union include: 12-Month CD: 3.25%, 24-Month CD: 3.75%, 60-Month CD: 2.53%, Savings: 0.75%

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Monroe Community Credit Union

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Monroe Community Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Monroe Community Credit Union 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 9, 2026

Monroe Community Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 12 Month Youth CD, 0.75% APY on savings, 6.00% APY on checking, personal loans from 9.99% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other Monroe Community Credit Union CD rates include 24 Month Youth CD at 4.00%, 36 Month Youth CD at 4.00%, and 24 Month CD at 3.75%. MonitorBankRates evaluates the financial stability of Monroe Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.13%. Rates last updated and verified on 10/09/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.13%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Monroe Community Credit Union
Main Office (MOT)

715 N Telegraph Rd
Monroe, MI 48162-5130

https://www.monroecommunitycu.org

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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.

Monroe Community Credit Union CD Rates

Product	Rate	APY	Term
12 Month Youth CD	-	4.00%	12 Month
Min Deposit $250 Details Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
24 Month Youth CD	-	4.00%	24 Month
Min Deposit $250 Details Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
36 Month Youth CD	-	4.00%	36 Month
Min Deposit $250 Details Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
24 Month CD	-	3.75%	24 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
24 Month IRA CD	-	3.75%	24 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
12 Month CD	-	3.25%	12 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
12 Month IRA CD	-	3.25%	12 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
6 Month CD	-	3.00%	6 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
6 Month IRA CD	-	3.00%	6 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
60 Month CD	-	2.53%	60 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
60 Month IRA CD	-	2.53%	60 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
48 Month CD	-	2.27%	48 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
48 Month IRA CD	-	2.27%	48 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
36 Month CD	-	2.02%	36 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
36 Month IRA CD	-	2.02%	36 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Monroe Community Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	0.75%	0.75%
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
High Yield Savings	0.50%	0.50%
Min Balance $50,000 Details Balance: Over $50,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
High Yield Savings	0.50%	0.50%
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
High Yield Savings	0.30%	0.30%
Min Balance $25,000 Details Balance: Over $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
High Yield Savings	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
IRA Savings (Traditional, Roth, and Educational)	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Basic Savings	0.03%	0.03%
Min Deposit $5 Min Balance $300 Details Balance: $5.00 ($300 to earn) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Holiday Savings	0.03%	0.03%
Min Deposit $0 Min Balance $100 Details Balance: $0.00 ($100 to earn interest) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Vacation Savings	0.03%	0.03%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Monroe Community Credit Union Checking Rates

Product	Rate	APY	View More
Community Growth Checking	5.84%	6.00%
Min Deposit $0 Details Qualifications Required: minimum of $500 in direct deposits to the Community Growth checking account; enrollment in eStatements; at least 10 debit card purchases of $5.00 or more must post and clear the Community Growth checking account; APY=Annual Percentage Yield. Rates are subject to change without notice. If qualifications are met, balances up to $10,000 earn 6.00% APY; balances over $10,000 earn 0.10% APY on the portion of the balance above $10,000, resulting in a range from 0.10% to 6.00% APY depending on balance. If qualifications are not met, the account earns 0.00% APY. Fees could reduce earnings. Terms and conditions subject to change without notice. Membership eligibility required. Insured by the NCUA. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Monroe Community Credit Union Business Checking Rates

Product	Rate	APY
Business Plus Checking	0.15%	0.15%
Min Deposit $100 Details Balance Required to Waive Monthly Fee: $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Business Plus Checking	0.10%	0.10%
Min Deposit $100 Details Balance Required to Waive Monthly Fee: $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Business Plus Checking	0.05%	0.05%
Min Deposit $100 Details Balance Required to Waive Monthly Fee: $5,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Monroe Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	6.50%	10 year
Details Term: 10 year draw, 20 year amortization; Variable rate based on prime rate plus margin; APR = Annual Percentage Rate Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 2, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Home Equity Closed End Loan	-	-	6.99%	20 years
Details APR = Annual Percentage Rate Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.99% ▲ 0.50 pts · high 6.99% / low 6.49% Oct 2, 20266.99%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Monroe Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto (2024 and newer)	-	-	5.49%	84 Months
Details APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Used Auto (2019 - 2023)	-	-	6.24%	72 Months
Details APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Monroe Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle (2025 and newer) Loan	-	6.24%	84 months
Details As Low As; *APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Motorcycle (2021-2024) Loan	-	6.74%	72 months
Details *APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Monroe Community Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	9.99%
Details Published APR range: 9.99% - 17.99%. Payment will be 3% of balance owed or $30, whichever is greater. Lowest rate is for top tier credit. Click here for credit card information. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Monroe Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.99%	60 Months
Details APR = Annual Percentage Rate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

Monroe Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Cash on Demand Loan	-	-	10.50%	Revolving
Details Variable rate based on share rate plus margin; APR = Annual Percentage Rate Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.25% → 10.50% ▲ 0.25 pts · high 10.50% / low 10.25% Oct 9, 202610.50%▲ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Community Advantage (2025 and newer) Loan	-	-	5.24%	72 Months
Details APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Large Recreation Loan	-	-	6.49%	180 months
Details APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 9, 20266.49%▲ from 6.24%* Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Oldie but Goodie (2018 and older) Loan	-	-	6.99%	72 Months
Details APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Small Recreation (2021 - 2024) Loan	-	-	7.49%	72 months
Details *APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Small Recreation (2025 and newer) Loan	-	-	6.99%	72 months
Details *APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%
Sound Foundation Loan	-	-	5.50%	36 Months
Details APR = Annual Percentage Rate Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.13%

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

Monroe Community Credit Union’s Texas Ratio fell from 3.00% in Q3 2023 to 1.13% 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

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	$406M	1.13%	5.0	A+
March 31, 2026	$404M	1.03%	5.0	A+
December 31, 2025	$393M	1.00%	5.0	A+
September 30, 2025	$385M	1.22%	5.0	A+
June 30, 2025	$390M	1.38%	5.0	A+
March 31, 2025	$384M	1.54%	5.0	A+
December 31, 2024	$365M	1.40%	5.0	A+
September 30, 2024	$362M	1.34%	5.0	A+
June 30, 2024	$359M	1.51%	5.0	A+
March 31, 2024	$356M	1.16%	5.0	A+
December 31, 2023	$340M	1.05%	5.0	A+
September 30, 2023	$338M	3.00%	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 Monroe 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 Monroe 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 Monroe Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Monroe Community Credit Union

Website https://www.monroecommunitycu.org

Address 715 N Telegraph Rd, Monroe, MI 48162-5130

Phone 734-242-3222

Fax 734-242-6911

President Gary Sievert

CEO Kristine Brenner

Full-Time Employees 68

Part-Time Employees 7

Branch Locations 6

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+ (99/100)

Texas Ratio

1.13%

Return on Assets (ROA)

0.7392%

Return on Equity (ROE)

6.4672%

Non-Performing Loans Ratio (NPL)

0.20%

Total Assets

406,436,728

Total Amount of Shares and Deposits

355,248,498

Total Shares and Deposits < 1 Year

340,373,102

Total Shares and Deposits 1 3 Years

13,275,699

Total Shares and Deposits > 3 Years

1,599,698

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

10,406,923

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

10,406,923

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

344,841,575

Total Interest Expense (Sum of items 6 8)

1,459,552

Share Certificates

2,673

Number of Accounts for Share Drafts

20,569

IRA KEOGH Accounts

532

Number of Accounts for Regular Shares

35,792

All other shares

3,818

Money Market Shares

821

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)

59,140,535

Total Liabilities

360,812,058

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Monroe 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.

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Frequently Asked Questions About Monroe Community Credit Union

How many branches does Monroe Community Credit Union operate?

Monroe 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 Monroe Community Credit Union?

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

Does Monroe Community Credit Union offer online and mobile banking?

Most modern institutions like Monroe 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.monroecommunitycu.org.