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My 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 10, 2026

My Community Credit Union's top rates as of October 10, 2026 are 3.85% APY on its 12 Month IRA CD, 0.10% APY on savings, 3.75% APY on money market accounts, 0.20% APY on checking, personal loans from 12.74% APR, and credit cards from 13.00% APR, according to rates verified by MonitorBankRates. Other My Community Credit Union CD rates include 6 Month IRA CD at 3.85%, CD/CDs - Regular CD 12 Month at 3.85%, and CD/CDs - Regular CD 15 Month at 3.85%. MonitorBankRates evaluates the financial stability of My Community Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.92%. Rates last updated and verified on 10/10/2026.

My 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 My Community Credit Union? Share your experience about My Community Credit Union by leaving a review below, or read customer reviews before you decide to use My 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: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
8.92%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
My Community Credit Union
Main Office
600 W Louisiana Ave
Midland, TX 79701-1610
https://www.mccu.coop/
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.

My Community Credit Union CD Rates

Product Rate APY Term View More
12 Month IRA Certificate 3.78% 3.85% 12 Month
Min Balance $75,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
6 Month IRA Certificate 3.78% 3.85% 6 Month
Min Balance $75,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - Regular Certificate 12 Month 3.78% 3.85% 12 Month
Min Balance $75,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 10, 2026: 3.85% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - Regular Certificate 15 Month 3.78% 3.85% 15 Month
Min Balance $75,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 10, 2026: 3.85% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - Regular Certificate 6 Month 3.78% 3.85% 6 Month
Min Balance $75,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 10, 2026: 3.85% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
12 Month IRA Certificate 3.69% 3.75% 12 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
12 Month Youth Certificate 3.69% 3.75% 12 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 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: 8.92%
6 Month IRA Certificate 3.69% 3.75% 6 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
6 Month Youth Certificate 3.69% 3.75% 6 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 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: 8.92%
CD/Share Certificates - 12 Month 3.69% 3.75% 12 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - 15 Month 3.69% 3.75% 15 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - 6 Month 3.69% 3.75% 6 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - Youth Certificate 12 Month 3.69% 3.75% 12 Month
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - Youth Certificate 6 Month 3.69% 3.75% 6 Month
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
24 Month IRA Certificate 3.54% 3.60% 24 Month
Min Balance $75,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
36 Month IRA Certificate 3.54% 3.60% 36 Month
Min Balance $75,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - 24 Month 3.54% 3.60% 24 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - Regular Certificate 18 Month 3.54% 3.60% 18 Month
Min Balance $75,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - Regular Certificate 36 Month 3.54% 3.60% 36 Month
Min Balance $75,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
24 Month IRA Certificate 3.45% 3.50% 24 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
24 Month Youth Certificate 3.45% 3.50% 24 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
36 Month IRA Certificate 3.45% 3.50% 36 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
36 Month Youth Certificate 3.45% 3.50% 36 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - 18 Month 3.45% 3.50% 18 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - 36 Month 3.45% 3.50% 36 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - Youth Certificate 24 Month 3.45% 3.50% 24 Month
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
48 Month IRA Certificate 3.30% 3.35% 48 Month
Min Balance $75,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - Regular Certificate 48 Month 3.30% 3.35% 48 Month
Min Balance $75,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 10, 2026: 3.35% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
48 Month IRA Certificate 3.20% 3.25% 48 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
48 Month Youth Certificate 3.20% 3.25% 48 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - 48 Month 3.20% 3.25% 48 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
60 Month IRA Certificate 3.06% 3.10% 60 Month
Min Balance $75,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - Regular Certificate 60 Month 3.06% 3.10% 60 Month
Min Balance $75,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 10, 2026: 3.10% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
60 Month IRA Certificate 2.96% 3.00% 60 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
60 Month Youth Certificate 2.96% 3.00% 60 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 10, 2026: 3.00% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
CD/Share Certificates - 60 Month 2.96% 3.00% 60 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%

My Community Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.50% 0.50%
Details Balance: $0-25,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
IRA Savings 0.10% 0.10%
Details Balance: $0-25,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Savings Account 0.10% 0.10%
Min Deposit $5
Min Balance $5
Details Balance: $0-25,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Savings Account 0.10% 0.10%
Min Deposit $5
Min Balance $25,000
Details Balance: $25,000.01 & over
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%

My Community Credit Union Money Market Rates

Product Rate APY View More
Money Market 0.20% 0.20%
Min Deposit $2,500
Min Balance $25,000
Details Balance: $25,000.01 & over
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Money Market 0.15% 0.15%
Min Deposit $2,500
Min Balance $2,500
Details Balance: $0-25,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%

My Community Credit Union Checking Rates

Product Rate APY View More
Prime Checking 0.20% 0.20%
Min Deposit $25
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%

My Community Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New (2026 - 2025) Auto & Motorcycle Loans - - 5.24% 36 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
New Auto Loan - - 5.24% 36 months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 8.75% → 5.24% ▼ 3.51 pts · high 8.75% / low 5.24%
1.73%7.00%12.26%Sep 14, 2026: 8.75% APROct 10, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.24%▼ from 8.75%
  • Sep 14, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
New (2026 - 2025) Auto & Motorcycle Loans - - 5.49% 60 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
New Auto Loan - - 5.49% 60 months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.24% APROct 10, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.49%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2026 - 2022) Auto & Motorcycle Loans - - 5.49% 36 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used Auto Loan - - 5.49% 36 months
Details Additional APR listed for this product: 6.04%, 7.09%.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 10.25% → 5.49% ▼ 4.76 pts · high 10.25% / low 5.49%
0.73%7.87%15.01%Sep 14, 2026: 10.25% APROct 10, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.49%▼ from 10.25%
  • Sep 14, 202610.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
New (2026 - 2025) Auto & Motorcycle Loans - - 5.74% 72 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
New Auto Loan - - 5.74% 72 months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.49% APROct 10, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.74%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2026 - 2022) Auto & Motorcycle Loans - - 5.74% 60 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used Auto Loan - - 5.74% 60 months
Details Additional APR listed for this product: 6.04%, 7.64%.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 10.70% → 5.74% ▼ 4.96 pts · high 10.70% / low 5.74%
0.78%8.22%15.66%Sep 14, 2026: 10.70% APROct 10, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.74%▼ from 10.70%
  • Sep 14, 202610.70%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2026 - 2022) Auto & Motorcycle Loans - - 5.99% 72 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used Auto Loan - - 5.99% 72 months
Details Additional APR listed for this product: 7.24%.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 11.00% → 5.99% ▼ 5.01 pts · high 11.00% / low 5.99%
0.98%8.50%16.01%Sep 14, 2026: 11.00% APROct 10, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.99%▼ from 11.00%
  • Sep 14, 202611.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2021 - 2020) Auto & Motorcycle Loans - - 6.04% 36 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.04% APR · checked 5 times
5.54%6.04%6.54%Sep 14, 2026: 6.04% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2021 - 2020) Auto & Motorcycle Loans - - 6.04% 60 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.04% APR · checked 5 times
5.54%6.04%6.54%Sep 14, 2026: 6.04% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used Auto - - 6.04% 36 Month
Details Model Year: 2021 - 2020
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 10.25% → 6.04% ▼ 4.21 pts · high 10.25% / low 6.04%
1.83%8.15%14.46%Sep 14, 2026: 10.25% APROct 10, 2026: 6.04% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.04%▼ from 10.25%
  • Sep 14, 202610.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used Auto - - 6.04% 60 Month
Details Model Year: 2021 - 2020
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 10.70% → 6.04% ▼ 4.66 pts · high 10.70% / low 6.04%
1.38%8.37%15.36%Sep 14, 2026: 10.70% APROct 10, 2026: 6.04% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.04%▼ from 10.70%
  • Sep 14, 202610.70%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2019 and older) Auto & Motorcycle Loans - - 7.09% 36 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.09% APR · checked 5 times
6.59%7.09%7.59%Sep 14, 2026: 7.09% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used Auto - - 7.09% 36 Month
Details Model Year: 2019 and older
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 10.25% → 7.09% ▼ 3.16 pts · high 10.25% / low 7.09%
3.93%8.67%13.41%Sep 14, 2026: 10.25% APROct 10, 2026: 7.09% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20267.09%▼ from 10.25%
  • Sep 14, 202610.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2021 - 2020) Auto & Motorcycle Loans - - 7.24% 72 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 5 times
6.74%7.24%7.74%Sep 14, 2026: 7.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used Auto - - 7.24% 72 Month
Details Model Year: 2021 - 2020
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 11.00% → 7.24% ▼ 3.76 pts · high 11.00% / low 7.24%
3.48%9.12%14.76%Sep 14, 2026: 11.00% APROct 10, 2026: 7.24% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20267.24%▼ from 11.00%
  • Sep 14, 202611.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2019 and older) Auto & Motorcycle Loans - - 7.64% 60 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.64% APR · checked 5 times
7.14%7.64%8.14%Sep 14, 2026: 7.64% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used Auto - - 7.64% 60 Month
Details Model Year: 2019 and older
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 10.70% → 7.64% ▼ 3.06 pts · high 10.70% / low 7.64%
4.58%9.17%13.76%Sep 14, 2026: 10.70% APROct 10, 2026: 7.64% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20267.64%▼ from 10.70%
  • Sep 14, 202610.70%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%

My Community Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New Recreational Vehicles Loan - 8.75% 36 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 8.75% APR
8.25%8.75%9.25%Oct 10, 2026: 8.75% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Recreational Vehicles - New (2026 - 2025) Loan - 8.75% 36 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 8.75% APR
8.25%8.75%9.25%Oct 10, 2026: 8.75% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
New Recreational Vehicles Loan - 9.25% 60 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 9.25% APR
8.75%9.25%9.75%Oct 10, 2026: 9.25% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Recreational Vehicles - New (2026 - 2025) Loan - 9.25% 60 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 9.25% APR
8.75%9.25%9.75%Oct 10, 2026: 9.25% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
New Recreational Vehicles Loan - 10.25% 72 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 10.25% APR
9.75%10.25%10.75%Oct 10, 2026: 10.25% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Recreational Vehicles - New (2026 - 2025) Loan - 10.25% 72 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 10.25% APR
9.75%10.25%10.75%Oct 10, 2026: 10.25% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Recreational Vehicles - Used (2026 and older) Loan - 10.25% 36 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 10.25% APR
9.75%10.25%10.75%Oct 10, 2026: 10.25% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used Recreational Vehicles Loan - 10.25% 36 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 10.25% APR
9.75%10.25%10.75%Oct 10, 2026: 10.25% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Recreational Vehicles - Used (2026 and older) Loan - 10.70% 60 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 10.70% APR
10.20%10.70%11.20%Oct 10, 2026: 10.70% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used Recreational Vehicles Loan - 10.70% 60 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 10.70% APR
10.20%10.70%11.20%Oct 10, 2026: 10.70% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Recreational Vehicles - Used (2026 and older) Loan - 11.00% 72 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 11.00% APR
10.50%11.00%11.50%Oct 10, 2026: 11.00% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used Recreational Vehicles Loan - 11.00% 72 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 11.00% APR
10.50%11.00%11.50%Oct 10, 2026: 11.00% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%

My Community Credit Union Credit Card Rates

Product Rate APR View More
MasterCard Platinum Card - 13.00%
Details As Low As; No Annual Fee, 25 Day Grace Period
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 6 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%

My Community Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Loans 12.74%
Details As Low As
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 12.74% APR · checked 6 times
12.24%12.74%13.24%Sep 14, 2026: 12.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%

My Community Credit Union Other Rates

Product Rate Points APY/APR Term View More
New (2026 - 2025) Loan - - 5.24% 36 Month
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 8.75% → 5.24% ▼ 3.51 pts · high 8.75% / low 5.24%
1.73%7.00%12.26%Sep 14, 2026: 8.75% APROct 10, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.24%▼ from 8.75%
  • Sep 14, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
New (2026 - 2025) Loan - - 5.49% 60 Month
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 9.25% → 5.49% ▼ 3.76 pts · high 9.25% / low 5.49%
1.73%7.37%13.01%Sep 14, 2026: 9.25% APROct 10, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.49%▼ from 9.25%
  • Sep 14, 20269.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
New (2026 - 2025) Loan - - 5.74% 72 Month
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 10.25% → 5.74% ▼ 4.51 pts · high 10.25% / low 5.74%
1.23%8.00%14.76%Sep 14, 2026: 10.25% APROct 10, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.74%▼ from 10.25%
  • Sep 14, 202610.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2019 and older) Loan - - 7.09% 36 Month
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.09% APR · checked 3 times
6.59%7.09%7.59%Sep 14, 2026: 7.09% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2019 and older) Loan - - 7.64% 60 Month
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.64% APR · checked 3 times
7.14%7.64%8.14%Sep 14, 2026: 7.64% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2021 - 2020) Loan - - 6.04% 36 Month
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.04% APR · checked 3 times
5.54%6.04%6.54%Sep 14, 2026: 6.04% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2021 - 2020) Loan - - 6.04% 60 Month
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.04% APR · checked 3 times
5.54%6.04%6.54%Sep 14, 2026: 6.04% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2021 - 2020) Loan - - 7.24% 72 Month
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 3 times
6.74%7.24%7.74%Sep 14, 2026: 7.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2026 - 2022) Loan - - 5.49% 36 Month
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2026 - 2022) Loan - - 5.74% 60 Month
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Used (2026 - 2022) Loan - - 5.99% 72 Month
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Kasasa Cash Checking 4.89% - 5.00%
Min Balance $0
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $25,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 6 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Kasasa Cash Checking 0.06% - 0.06%
Min Balance $0
Details All balances if qualifications not met
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.00% → 0.06% ▼ 4.94 pts · high 5.00% / low 0.06%
0.00%4.97%9.94%Sep 14, 2026: 5.00% APYSep 18, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20260.06%▼ from 5.00%
  • Sep 14, 20265.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Kasasa Saver Prime Checking Savings 0.20% - 0.20%
Min Deposit $25
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Kasasa Saver Savings 0.85% - 0.85%
Min Balance $0
Details Balance: $0 - $25,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 6 times
0.35%0.85%1.35%Sep 14, 2026: 0.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Kasasa Saver Savings 0.75% - 0.85%
Min Balance $25,000
Details Published APY range: 0.85% to 0.75%. Balance: $25,000.01+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 6 times
0.35%0.85%1.35%Sep 14, 2026: 0.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Money Market 3.69% - 3.75% 6 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Money Market 3.69% - 3.75% 12 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Money Market 3.69% - 3.75% 15 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Money Market 3.45% - 3.50% 18 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Money Market 3.54% - 3.60% 24 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Money Market 3.45% - 3.50% 36 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Money Market 3.20% - 3.25% 48 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
Money Market 2.96% - 3.00% 60 Month
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 10, 2026: 3.00% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.92%
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

My Community Credit Union’s Texas Ratio rose from 6.65% in Q3 2023 to 8.92% 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. 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 6.65% 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 8.92% 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$555M8.92%5.0A
March 31, 2026$559M9.10%5.0A
December 31, 2025$536M10.92%5.0A
September 30, 2025$538M9.30%5.0A
June 30, 2025$538M7.63%5.0A
March 31, 2025$509M6.36%5.0A
December 31, 2024$500M7.67%5.0A
September 30, 2024$506M5.84%5.0A+
June 30, 2024$492M5.03%5.0A+
March 31, 2024$494M5.65%5.0A+
December 31, 2023$494M8.19%5.0A
September 30, 2023$492M6.65%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 My 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 My 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 My Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name My Community Credit Union
Website https://www.mccu.coop/
Address 600 W Louisiana Ave, Midland, TX 79701-1610
Phone 432-688-8400
Fax
President Teresa DeShaw
CEO Donna Neal
Full-Time Employees 122
Part-Time Employees 5
Branch Locations 7
ATM Locations 7
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.92%
Return on Assets (ROA)
0.1352%
Return on Equity (ROE)
1.3142%
Non-Performing Loans Ratio (NPL)
1.24%
Total Assets
555,291,491
Total Amount of Shares and Deposits
492,005,044
Total Shares and Deposits < 1 Year
433,998,870
Total Shares and Deposits 1 3 Years
39,911,329
Total Shares and Deposits > 3 Years
18,094,845
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
50,753,264
Total Uninsured Shares and Deposits > $250K (F+J)
50,753,264
Total Insured Shares and Deposits > $250K (item 17 less item K)
441,251,780
Total Interest Expense (Sum of items 6 8)
3,376,542
Share Certificates
1,496
Number of Accounts for Share Drafts
27,744
IRA KEOGH Accounts
592
Number of Accounts for Regular Shares
53,944
Non Member Deposits
48
Money Market Shares
269
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)
46,511,560
Total Liabilities
499,300,353
Source: NCUA — Last Updated 06/30/2026
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Frequently Asked Questions About My Community Credit Union

How many branches does My Community Credit Union operate?

My 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 My Community Credit Union?

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

Does My Community Credit Union offer online and mobile banking?

Most modern institutions like My 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.mccu.coop/.

Current My Community Credit Union Rates

  • 12-Month CD3.75%
  • 18-Month CD3.50%
  • 24-Month CD3.50%
  • 60-Month CD3.00%
  • Savings0.10%
  • MMA3.75%
Retrieved from our database of financial products. Rates subject to change.

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