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Members Cooperative Credit Union


Overview / Commentary
www.membersccu.org
218-879-3304
4628 Mike Colalillo Dr
Duluth, MN 55807

Members Cooperative Credit Union is headquartered in Duluth and is the 9th largest credit union in the state of Minnesota. It is also the 388th largest credit union in the nation. It was established in 1936 and as of September of 2021, it had grown to 222 employees and 55,325 members at 13 locations. Members Cooperative Credit Union has an A health rating.

Field of Membership Restrictions

Members Cooperative Credit Union is open to businesses, other legal entities, and anyone who attends school, lives, worships, or works in the following Minnesota counties: Washington, Carlton, Aitkin, Cass, Cook, Chisago, Crow Wing, Itasca, Isanti, Koochiching, Kanabec, Lake, St. Louis, or Pine. Eligibility is also extended to past and present employees of MCCU and their family members.
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Reviews (1)

Best Local Credit Union

Posted by: |

Banking at MCCU has been a great experience. I have been a member for over a year and they always have the best customer service. I love banking locally as any time I have a question or need assistance they are always happy to help and easy to get a hold of. Not only does MCCU offer great customer service, they also offer competitive rates on their investment products and low rates on their loans. An added plus is their convenient online/mobile banking services which allow me to easily manage my accounts anytime or anywhere.

1


Health
A

Data as of Q3 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #60216
Year Chartered1936
Employees222
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD8.68%
Annual Interest Income$22.6MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$1.05B$907.0MM
LoansQ3 2021vs Q3 2020$703.9MM$646.7MM
DepositsQ3 2021vs Q3 2020$909.5MM$779.7MM
Equity CapitalQ3 2021vs Q3 2020$108.8MM$101.6MM
Loan Loss AllowanceQ3 2021vs Q3 2020$3.5MM$3.6MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$4.4MM$5.8MM
Real Estate OwnedQ3 2021vs Q3 2020$579.00K$589.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Members Cooperative Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

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

Members Cooperative Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%--Roth IRA
0.35%--Education IRA
0.35%--Traditional IRA
0.35%--SEP IRA
0.15%--Christmas Club
0.15%*$10k*-Health Savings Account
OTHER TIERS: 0.10% → Up to $10k
0.10%$5-Share Savings Account
0.10%--Secondary and Emergency Fund
0.10%--Business Share Savings
0.10%$5-Buckwise and Dollar Dog Youth Account

Members Cooperative Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-MembersPlus Money Market
OTHER TIERS: 0.15% → $2.5k - $10k | 0.20% → $10k - $25k | 0.30% → $25k - $50k | 0.40% → $50k - $100k
0.50%*$100k*-BusinessPlus Money Market
OTHER TIERS: 0.15% → $2.5k - $10k | 0.20% → $10k - $25k | 0.30% → $25k - $50k | 0.40% → $50k - $100k
0.25%*$50k*-MembersBasic Money Market
OTHER TIERS: 0.12% → $2.5k - $10k | 0.15% → $10k - $50k
0.25%*$50k*-BusinessBasic Money Market
OTHER TIERS: 0.12% → $2.5k - $10k | 0.15% → $10k - $50k

Members Cooperative Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2.5k-Preferred Checking
0.05%$2.5k-EcoChoice Checking

Members Cooperative Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%*$100k*-MembersPlus 60 Month CD
OTHER TIERS: 1.20% → $1k - $50k | 1.30% → $50k - $100k
1.40%*$100k*-BusinessPlus 60 Month CD
OTHER TIERS: 1.20% → $1k - $50k | 1.30% → $50k - $100k
1.30%*$100k*-MembersPlus 48 Month CD
OTHER TIERS: 1.10% → $1k - $50k | 1.20% → $50k - $100k
1.30%*$100k*-BusinessPlus 48 Month CD
OTHER TIERS: 1.10% → $1k - $50k | 1.20% → $50k - $100k
1.30%*$100k*-BusinessPlus 60 Month Bump Up CD
OTHER TIERS: 1.10% → $1k - $50k | 1.20% → $50k - $100k
1.30%*$100k*-MembersPlus 60 Month Bump Up CD
OTHER TIERS: 1.10% → $1k - $50k | 1.20% → $50k - $100k
1.20%*$100k*-MembersPlus 36 Month CD
OTHER TIERS: 1.00% → $1k - $50k | 1.10% → $50k - $100k
1.20%*$100k*-BusinessPlus 36 Month CD
OTHER TIERS: 1.00% → $1k - $50k | 1.10% → $50k - $100k
1.20%*$100k*-BusinessPlus 48 Month Bump Up CD
OTHER TIERS: 1.00% → $1k - $50k | 1.10% → $50k - $100k
1.20%*$100k*-MembersPlus 48 Month Bump Up CD
OTHER TIERS: 1.00% → $1k - $50k | 1.10% → $50k - $100k
1.10%*$100k*-MembersPlus 24 Month CD
OTHER TIERS: 0.90% → $1k - $50k | 1.00% → $50k - $100k
1.10%*$100k*-MembersBasic 60 Month CD
OTHER TIERS: 0.90% → $1k - $50k | 1.00% → $50k - $100k
1.10%*$100k*-Funeral CD
OTHER TIERS: 0.90% → $1k - $50k | 1.00% → $50k - $100k
1.10%*$100k*-BusinessPlus 24 Month CD
OTHER TIERS: 0.90% → $1k - $50k | 1.00% → $50k - $100k
1.10%*$100k*-BusinessBasic 60 Month CD
OTHER TIERS: 0.90% → $1k - $50k | 1.00% → $50k - $100k
1.10%*$100k*-BusinessPlus 36 Month Bump Up CD
OTHER TIERS: 0.90% → $1k - $50k | 1.00% → $50k - $100k
1.10%*$100k*-MembersPlus 36 Month Bump Up CD
OTHER TIERS: 0.90% → $1k - $50k | 1.00% → $50k - $100k
1.00%*$100k*-MembersBasic 48 Month CD
OTHER TIERS: 0.80% → $1k - $50k | 0.90% → $50k - $100k
1.00%*$100k*-BusinessBasic 48 Month CD
OTHER TIERS: 0.80% → $1k - $50k | 0.90% → $50k - $100k
1.00%*$100k*-BusinessBasic 60 Month Bump Up CD
OTHER TIERS: 0.80% → $1k - $50k | 0.90% → $50k - $100k
1.00%*$100k*-MembersBasic 60 Month Bump Up CD
OTHER TIERS: 0.80% → $1k - $50k | 0.90% → $50k - $100k
0.95%*$100k*-MembersPlus 12 Month CD
OTHER TIERS: 0.80% → $1k - $50k | 0.90% → $50k - $100k
0.95%*$100k*-BusinessPlus 12 Month CD
OTHER TIERS: 0.80% → $1k - $50k | 0.90% → $50k - $100k
0.90%*$100k*-MembersBasic 36 Month CD
OTHER TIERS: 0.70% → $1k - $50k | 0.80% → $50k - $100k
0.90%*$100k*-BusinessBasic 36 Month CD
OTHER TIERS: 0.70% → $1k - $50k | 0.80% → $50k - $100k
0.90%*$100k*-BusinessBasic 48 Month Bump Up CD
OTHER TIERS: 0.70% → $1k - $50k | 0.80% → $50k - $100k
0.90%*$100k*-MembersBasic 48 Month Bump Up CD
OTHER TIERS: 0.70% → $1k - $50k | 0.80% → $50k - $100k
0.80%*$100k*-MembersBasic 24 Month CD
OTHER TIERS: 0.60% → $1k - $50k | 0.70% → $50k - $100k
0.80%*$100k*-24 Month Youth CD
OTHER TIERS: 0.60% → $250 - $50k | 0.70% → $50k - $100k
0.80%*$100k*-BusinessBasic 24 Month CD
OTHER TIERS: 0.60% → $1k - $50k | 0.70% → $50k - $100k
0.80%*$100k*-BusinessBasic 36 Month Bump Up CD
OTHER TIERS: 0.60% → $1k - $50k | 0.70% → $50k - $100k
0.80%*$100k*-MembersBasic 36 Month Bump Up CD
OTHER TIERS: 0.60% → $1k - $50k | 0.70% → $50k - $100k
0.65%*$100k*-MembersBasic 12 Month CD
OTHER TIERS: 0.50% → $1k - $50k | 0.60% → $50k - $100k
0.65%*$100k*-12 Month Youth CD
OTHER TIERS: 0.50% → $250 - $50k | 0.60% → $50k - $100k
0.65%*$100k*-BusinessBasic 12 Month CD
OTHER TIERS: 0.50% → $1k - $50k | 0.60% → $50k - $100k

Members Cooperative Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%*$100k*-MembersPlus 60 Month Share Certificate IRA
OTHER TIERS: 1.20% → $1k - $50k | 1.30% → $50k - $100k
1.30%*$100k*-MembersPlus 48 Month Share Certificate IRA
OTHER TIERS: 1.10% → $1k - $50k | 1.20% → $50k - $100k
1.30%*$100k*-MembersPlus 60 Month Bump Up IRA
OTHER TIERS: 1.10% → $1k - $50k | 1.20% → $50k - $100k
1.20%*$100k*-MembersPlus 36 Month Share Certificate IRA
OTHER TIERS: 1.00% → $1k - $50k | 1.10% → $50k - $100k
1.20%*$100k*-MembersPlus 48 Month Bump Up IRA
OTHER TIERS: 1.00% → $1k - $50k | 1.10% → $50k - $100k
1.10%*$100k*-MembersPlus 24 Month Share Certificate IRA
OTHER TIERS: 0.90% → $1k - $50k | 1.00% → $50k - $100k
1.10%*$100k*-MembersBasic 60 Month Share Certificate IRA
OTHER TIERS: 0.90% → $1k - $50k | 1.00% → $50k - $100k
1.10%*$100k*-MembersPlus 36 Month Bump Up IRA
OTHER TIERS: 0.90% → $1k - $50k | 1.00% → $50k - $100k
1.00%*$100k*-MemberBasic 48 Month Share Certificate IRA
OTHER TIERS: 0.80% → $1k - $50k | 0.90% → $50k - $100k
1.00%*$100k*-MembersBasic 60 Month Bump Up IRA
OTHER TIERS: 0.80% → $1k - $50k | 0.90% → $50k - $100k
0.95%*$100k*-MembersPlus 12 Month Share Certificate IRA
OTHER TIERS: 0.80% → $1k - $50k | 0.90% → $50k - $100k
0.90%*$100k*-MembersBasic 36 Month Share Certificate IRA
OTHER TIERS: 0.70% → $1k - $50k | 0.80% → $50k - $100k
0.90%*$100k*-MembersBasic 48 Month Bump Up IRA
OTHER TIERS: 0.70% → $1k - $50k | 0.80% → $50k - $100k
0.80%*$100k*-MembersBasic 24 Month Share Certificate IRA
OTHER TIERS: 0.60% → $1k - $50k | 0.70% → $50k - $100k
0.80%*$100k*-MembersBasic 36 Month Bump Up IRA
OTHER TIERS: 0.60% → $1k - $50k | 0.70% → $50k - $100k
0.65%*$100k*-MembersBasic 12 Month Share Certificate IRA
OTHER TIERS: 0.50% → $1k - $50k | 0.60% → $50k - $100k
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