Members Plus Credit Union

29 High Street
Medford, MA 02155
781-905-1500
www.memberspluscu.org

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Members Plus Credit Union is headquartered in Medford and is the 33^rd largest credit union in the state of Massachusetts. It is also the 827^th largest credit union in the nation. It was established in 1940 and as of December of 2012, it had grown to 35 employees and 9,994 members. Members Plus Credit Union has a 5-star health rating.

Members Plus Credit Union Routing Number: 211080709

Checking Bonus and CD Promo at Members Plus Credit Union - MA Only - 9/10/2012

Members Plus Credit Union has another promotion that's similar to the one it was offering last year. The first part of the promotion is a $100 bonus for opening a free checking account and establishin ...

Checking Bonus and CD Special at Members Plus Credit Union in MA - Local Only - 8/29/2011

Members Plus Credit Union has another promotion that's similar to the one it was offering in April . The first part of the promotion is a $100 bonus for opening a checking account and establishing dir ...

Checking Bonus and 7-Month CD Special at Members Plus Credit Union in MA - Local Only - 4/4/2011

Members Plus Credit Union is having a new-branch special with some good deposit deals. The first one is a $100 bonus for opening a checking account and establishing direct deposit. The $100 will be de ...

3.30% 9-Month CD & 3.51% 24-Month CD at Members Plus Credit Union in MA - 1/27/2009

Members Plus Credit Union is offering several attractive certificate rates. These include a 3.30% APY for 9, 11, 12, 13 and 15-month terms. Competitive long-term CD rates include a 3.51% APY for 24 months, 3.61% APY for 36 months and 4.08% APY for 60...

2008

11/2 - 4.60% 12-Month / 4.34% 9-Month CD at Members Plus Credit Union in MA

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See Rates for: Checking | Savings | Money Market | CD | IRA

Members Plus Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	-	-	Members Plus Checking Account

Members Plus Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	$25k	-	WIIN CLUB
0.25%	-	-	Savings (Share) Account
0.25%	-	-	IRA Share Account
0.25%	-	-	Holiday Club
0.25%	-	-	Vacation Club
0.25%	$2k	-	CESA Share Account
0.25%	-	-	Roth IRA Share Account

Members Plus Credit Union Money Market Rates

Apy	Min	Max	Product
0.40%	$25k	-	Money Market Account
0.40%	$25k	-	Members Money Market

Members Plus Credit Union CD Rates

Apy	Min	Max	Product
1.56%	$500	-	5 Year CD
1.31%	$500	-	4 Year CD
1.11%	$500	-	3 Year CD
0.90%	$500	-	2 Year CD
0.85%	$500	-	2 Year Step-Up CD
0.60%	$500	-	13 Month CD
0.60%	$500	-	18 Month CD
0.55%	$500	-	1 Year CD
0.55%	$500	-	15 Month CD
0.50%	$500	-	11 Month CD
0.45%	$500	-	9 Month CD
0.40%	$500	-	6 Month CD

Members Plus Credit Union IRA Rates

Apy	Min	Max	Product
1.56%	$500	-	5 Year IRA
1.56%	$500	-	5 Year Roth IRA
1.56%	$500	-	5 Year CESA
1.31%	$500	-	4 Year IRA
1.31%	$500	-	4 Year Roth IRA
1.31%	$500	-	4 Year CESA
1.11%	$500	-	3 Year IRA
1.11%	$500	-	3 Year Roth IRA
1.11%	$500	-	3 Year CESA
0.90%	$500	-	2 Year IRA
0.90%	$500	-	2 Year Roth IRA
0.90%	$500	-	2 Year CESA
0.85%	$500	-	2 Year Step-Up IRA
0.85%	$500	-	2 Year Step-Up Roth IRA
0.85%	$500	-	2 Year Step-Up CESA
0.60%	$500	-	13 Month IRA
0.60%	$500	-	18 Month IRA
0.60%	$500	-	13 Month Roth IRA
0.60%	$500	-	18 Month Roth IRA
0.60%	$500	-	13 Month CESA
0.60%	$500	-	18 Month CESA
0.55%	$500	-	1 Year IRA
0.55%	$500	-	15 Month IRA
0.55%	$500	-	1 Year Roth IRA
0.55%	$500	-	15 Month Roth IRA
0.55%	$500	-	1 Year CESA
0.55%	$500	-	15 Month CESA
0.50%	$500	-	11 Month IRA
0.50%	$500	-	11 Month Roth IRA
0.50%	$500	-	11 Month CESA
0.45%	$500	-	9 Month IRA
0.45%	$500	-	9 Month Roth IRA
0.45%	$500	-	9 Month CESA
0.40%	$500	-	6 Month IRA
0.40%	$500	-	6 Month Roth IRA
0.40%	$500	-	6 Month CESA

Rates updated: 5/21/2013

Data for Q4 2012

Institution Statistics

MEMBERS PLUS
NCUA #	66706
BankRate Report	View
Year Chartered	1940
Employees	35
Primary Regulator
Assets and Liabilities
Assets	$225.11 million
Loans	$150.80 million
Deposits	$180.20 million
Equity Capital	$30.78 million
Loan Loss Allowance	$410,000
Unbacked Noncurrent Loans	$2.20 million
Historic Data - December 2011
Assets	$217.92 million
Equity Capital	$30.40 million
Loan Loss Allowance	$350,000
Unbacked Noncurrent Loans	$775,000
Profit Margin - Quarterly
Net Interest Margin	3.53%
Return on Assets	0.19%
Return on Equity	1.42%
Interest Income	$7.66 million
Non-Interest Income	$796,000

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Members Plus Credit Union had $2.2 million in non-current loans and owned real-estate with $31.19 million in equity and loan loss allowances on hand to cover it. This gives Members Plus Credit Union a Texas Ratio of 7.06% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Members Plus Credit Union held steady from 2.52% as of December 31, 2011 to 7.06% as of December 31, 2012, resulting in a negative change of 180.02%. This indicates that the balance sheet and financial strength for Members Plus Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Members Plus Credit Union has increased its total deposits by $177,000, resulting in 0.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Members Plus Credit Union has shown is average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Members Plus Credit Union has $225.11 million in assets with $31.19 million in equity, resulting in a capitalization level of 13.85%, which is excellent.