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 Racine Municipal Employees Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Racine Municipal Employees Credit Union's 7 Month CD Special rates are at 4.10%. Racine Municipal Employees Credit Union's Personal Loan Rates are as low as 9.15%. Racine Municipal Employees Credit Union's Credit Card Rates are at 8.90%. MonitorBankRates evaluates the financial stability of Racine Municipal Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.14%. Rates last updated and verified on 09/22/2026. Racine Municipal Employees 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 Racine Municipal Employees Credit Union? Share your experience about Racine Municipal Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Racine Municipal Employees Credit Union. Racine Municipal Employees Credit Union
Main Office 1907 Lathrop Ave
https://rmecu.org Racine, WI 53405-3706 
Racine Municipal Employees Credit Union CD Rates
Racine Municipal Employees Credit Union Home Equity & HELOC
Racine Municipal Employees Credit Union Auto Loan Rates
Racine Municipal Employees Credit Union RV, Boat and Powersport Loan Rates
Racine Municipal Employees Credit Union Credit Card Rates
Racine Municipal Employees Credit Union Personal Loan Rates
Racine Municipal Employees Credit Union Other Rates
Financial Health HistoryRacine Municipal Employees Credit Union’s Texas Ratio rose from 2.95% in Q2 2023 to 4.14% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Racine Municipal Employees 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 Racine Municipal Employees 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 Racine Municipal Employees Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Racine Municipal Employees Credit Union
Website
https://rmecu.org
Address
1907 Lathrop Ave,
Racine, WI 53405-3706
Phone
262-637-7274
Fax
262-637-0491
President
Scott Sharp
CEO
Nicole Christensen-Zabler
Full-Time Employees
4
Part-Time Employees
2
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.14%
Return on Assets (ROA)
0.2281%
Return on Equity (ROE)
1.8188%
Non-Performing Loans Ratio (NPL)
0.90%
Total Assets
25,786,018
Total Amount of Shares and Deposits
22,210,351
Total Shares and Deposits < 1 Year
22,155,245
Total Shares and Deposits 1 3 Years
44,437
Total Shares and Deposits > 3 Years
10,669
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
741,288
Total Uninsured Shares and Deposits > $250K (F+J)
741,288
Total Insured Shares and Deposits > $250K (item 17 less item K)
21,469,063
Total Interest Expense (Sum of items 6 8)
44,630
Share Certificates
146
Number of Accounts for Share Drafts
1,026
IRA KEOGH Accounts
32
Number of Accounts for Regular Shares
2,252
All other shares
147
Net Income (unless the amount is already included in Undivided Earnings)
58,812
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)
2,290,019
Total Liabilities
22,552,379
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Racine Municipal Employees Credit UnionHow many branches does Racine Municipal Employees Credit Union operate?Racine Municipal Employees 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 Racine Municipal Employees Credit Union?Yes, to access services at Racine Municipal Employees 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, Racine Municipal Employees 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, Racine Municipal Employees Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Racine Municipal Employees Credit Union offer online and mobile banking?Most modern institutions like Racine Municipal Employees 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://rmecu.org. Compare to Other Credit Unions
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