Members Choice CU (KY)

Overview / Commentary

www.mccu.net

606-329-7876

145 Russell Rd
Ashland, KY 41101

Members Choice CU (KY) is headquartered in ASHLAND and is the 11^th largest credit union in the state of Kentucky. It is also the 1,003^rd largest credit union in the nation. It was established in 1932 and as of June of 2020, it had grown to 50 employees and 19,797 members at 4 locations. Members Choice CU (KY)'s money market rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Members Choice Credit Union offers membership to those who live, work, attend school, or worship in the Kentucky FIVCO area (Boyd, Carter, Elliot, Greenup and Lawrence Counties).
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Health

Data as of Q2 2020

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Health Grade Components

Overall
NCUA #	62026
Year Chartered	1932
Employees	50
Primary Regulator

Profit Margin
Return on Assets - YTD	0.49%
Return on Equity - YTD	4.22%
Annual Interest Income	$4.6MM

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$251.1MM$214.6MM
Loans	Q2 2020vs Q2 2019	$157.0MM$149.7MM
Deposits	Q2 2020vs Q2 2019	$222.6MM$188.4MM
Equity Capital	Q2 2020vs Q2 2019	$28.1MM$26.3MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$1.5MM$1.7MM
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$980.00K$893.00K
Real Estate Owned	Q2 2020vs Q2 2019	$134.00K$439.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Members Choice CU (KY) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%	$3.5k	-	Christmas Club
3.50%^*	-	$3.5k	Vacation Club
OTHER TIERS: 0.25% → $3.5k+
1.50%	-	-	IRA Savings Account
1.50%	-	-	Health Savings Account
0.25%	-	-	Share Savings Account
0.25%	-	-	Business Savings

Members Choice CU (KY) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.21%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.75% → $500 - $50k \| 1.01% → $50k - $100k
1.21%^*	$100k^*	-	Business Money Market
OTHER TIERS: 0.75% → $500 - $50k \| 1.01% → $50k - $100k

Members Choice CU (KY) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	-	-	Share Draft Account
0.15%	-	-	Simple Business Checking

Members Choice CU (KY) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$500	-	60 Month Share Certificate
1.51%	$500	-	Business 60 Month Share Certificate
1.31%	$500	-	48 Month Share Certificate
1.31%	$500	-	Business 48 Month Share Certificate
1.26%	$500	-	30 Month Share Certificate
1.26%	$500	-	36 Month Share Certificate
1.26%	$500	-	Business 30 Month Share Certificate
1.26%	$500	-	Business 36 Month Share Certificate
1.21%	$500	-	24 Month Share Certificate
1.21%	$500	-	Business 24 Month Share Certificate
1.11%	$500	-	18 Month Share Certificate
1.11%	$500	-	Business 18 Month Share Certificate
1.01%	$500	-	12 Month Share Certificate
1.01%	$500	-	Business 12 Month Share Certificate
0.75%	$500	-	6 Month Share Certificate
0.75%	$500	-	Business 6 Month Share Certificate
0.65%	$500	-	3 Month Share Certificate
0.65%	$500	-	Business 3 Month Share Certificate

Members Choice CU (KY) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$500	-	60 Month IRA Certificate
1.31%	$500	-	48 Month IRA Certificate
1.26%	$500	-	30 Month IRA Certificate
1.26%	$500	-	36 Month IRA Certificate
1.21%	$500	-	24 Month IRA Certificate
1.11%	$500	-	18 Month IRA Certificate

Locations

Members Choice CU (KY) Locations
Branch Office	145 RUSSELL RD	ASHLAND, KY 41101
Branch Office	1315 CANNONSBURG RD	ASHLAND, KY 41102
Branch Office	1401 Central Ave	Ashland, KY 41101-7551
Branch Office	800 Saint Christopher Dr Ste 2	Ashland, KY 41101-7030

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