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My Community Credit Union Rates & Review June 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.
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| 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: June 25, 2026

You can compare My Community Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.25%, 6-month share certificate rates at 3.50% and 3-month share certificate rates at 1.76%. Savings rates are at 0.10% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates can be compared to My Community Credit Union rates. 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 9.30%. Rates were last updated on 06/25/2026.

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.

Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
9.30%
Excellent Higher than avg
My Community Credit Union
Main Office
600 W Louisiana Ave
Midland, TX 79701 1610
https://www.mccu.coop/
Member NCUA

Current Rate Availability

We do not have My Community Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

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 119
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 (95/100)
Texas Ratio
9.30%
Return on Assets (ROA)
0.6164%
Return on Equity (ROE)
5.8324%
Non-Performing Loans Ratio (NPL)
1.34%
Total Assets
538,098,789
Total Amount of Shares and Deposits
476,529,657
Total Shares and Deposits < 1 Year
414,296,100
Total Shares and Deposits 1 3 Years
48,940,416
Total Shares and Deposits > 3 Years
13,293,139
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
52,432,551
Total Uninsured Shares and Deposits > $250K (F+J)
52,432,551
Total Insured Shares and Deposits > $250K (item 17 less item K)
424,097,106
Total Interest Expense (Sum of items 6 8)
4,629,958
Share Certificates
1,546
Number of Accounts for Share Drafts
27,100
IRA KEOGH Accounts
598
Number of Accounts for Regular Shares
52,448
Non Member Deposits
67
Money Market Shares
300
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
56,393,646
Total Liabilities
483,509,801
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for My 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 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/.

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