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Members Cooperative Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.00%5-year CD60 Month Term CD (Funeral)
2.35% - Synchrony Bank 60 Month CDAdvertisement
0.90%1-year CDMembersBasic 12 Month CD
1.40% - Synchrony Bank 12 Month CDAdvertisement
0.10%SavingsEmergency Fund
1.20% - Goldman Sachs Bank USA Online SavingsAdvertisement
View all Members Cooperative Credit Union rates »

Overview / Commentary
www.membersccu.org
218-625-8500
101 14th St
Cloquet, MN 55720

Members Cooperative Credit Union is headquartered in CLOQUET and is the 10th largest credit union in the state of Minnesota. It is also the 428th largest credit union in the nation. It was established in 1936 and as of March of 2017, it had grown to 173 employees and 46,104 members at 10 locations. Members Cooperative Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Members Cooperative Credit Union is open to those who live, work, attend school, or worship in Aitkin, Carlton, Chisago, Cook, Isanti, Itasca, Kanabec, Koochiching, Lake, Pine, St. Louis, or Washington Counties in Minnesota.
See current membership details

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Health
A

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #60216
Year Chartered1936
Employees173
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD4.67%
Annual Interest Income$5.8MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$648.6MM$619.4MM
LoansQ1 2017vs Q1 2016$480.6MM$484.0MM
DepositsQ1 2017vs Q1 2016$562.6MM$538.6MM
Equity CapitalQ1 2017vs Q1 2016$80.8MM$76.1MM
Loan Loss AllowanceQ1 2017vs Q1 2016$3.2MM$3.8MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$3.0MM$4.4MM
Real Estate OwnedQ1 2017vs Q1 2016$629.00K$471.00K
Rates
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* 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
0.75%--Roth IRA
0.75%--Education IRA
0.75%--Traditional IRA
0.20%--Christmas Club
0.15%*$5k*-MembersPlus Health Savings Account
OTHER TIERS: 0.10% → Up to $5k
0.10%--Share Savings Account
0.10%--Emergency Fund
0.10%--Business Share Savings
0.10%--Dollar Dog Youth Account

Members Cooperative Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$100k*-MembersPlus Money Market
OTHER TIERS: 0.10% → $500 - $2,500 | 0.35% → $2,500 - $10k | 0.50% → $10k - $25k | 0.60% → $25k - $50k | 0.80% → $50k - $100k
0.90%*$100k*-BusinessPlus Money Market
OTHER TIERS: 0.10% → $500 - $2,500 | 0.35% → $2,500 - $10k | 0.50% → $10k - $25k | 0.60% → $25k - $50k | 0.80% → $50k - $100k
0.25%*$50k*-MembersBasic Money Market
OTHER TIERS: 0.05% → $500 - $2,500 | 0.10% → $2,500 - $10k | 0.15% → $10k - $50k
0.25%*$50k*-BusinessBasic Money Market
OTHER TIERS: 0.05% → $500 - $2,500 | 0.10% → $2,500 - $10k | 0.15% → $10k - $50k

Members Cooperative Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2,500-Preferred Checking
0.05%$2,500-Classic Checking
0.05%$2,500-EcoChoice

Members Cooperative Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.65%*$100k*-MembersPlus 60 Month CD
OTHER TIERS: 2.20% → $1k - $10k | 2.30% → $10k - $25k | 2.50% → $25k - $50k | 2.55% → $50k - $100k
2.65%*$100k*-BusinessPlus 60 Month CD
OTHER TIERS: 2.20% → $1k - $10k | 2.30% → $10k - $25k | 2.50% → $25k - $50k | 2.55% → $50k - $100k
2.00%*$100k*-MembersBasic 60 Month CD
OTHER TIERS: 1.65% → $1k - $10k | 1.75% → $10k - $25k | 1.85% → $25k - $50k | 1.95% → $50k - $100k
2.00%*$100k*-60 Month Term CD (Funeral)
OTHER TIERS: 1.65% → $1k - $10k | 1.75% → $10k - $25k | 1.85% → $25k - $50k | 1.95% → $50k - $100k
2.00%*$100k*-MembersPlus 48 Month CD
OTHER TIERS: 1.70% → $1k - $10k | 1.75% → $10k - $25k | 1.85% → $25k - $50k | 1.90% → $50k - $100k
2.00%*$100k*-BusinessPlus 48 Month CD
OTHER TIERS: 1.70% → $1k - $10k | 1.75% → $10k - $25k | 1.85% → $25k - $50k | 1.90% → $50k - $100k
2.00%*$100k*-BusinessBasic 60 Month CD
OTHER TIERS: 1.65% → $1k - $10k | 1.75% → $10k - $25k | 1.85% → $25k - $50k | 1.95% → $50k - $100k
1.75%*$100k*-MembersPlus 36 Month CD
OTHER TIERS: 1.50% → $1k - $10k | 1.55% → $10k - $25k | 1.60% → $25k - $50k | 1.65% → $50k - $100k
1.75%*$100k*-BusinessPlus 36 Month CD
OTHER TIERS: 1.50% → $1k - $10k | 1.55% → $10k - $25k | 1.60% → $25k - $50k | 1.65% → $50k - $100k
1.60%*$100k*-MembersBasic 48 Month CD
OTHER TIERS: 1.40% → $1k - $10k | 1.45% → $10k - $25k | 1.50% → $25k - $50k | 1.55% → $50k - $100k
1.60%*$100k*-BusinessBasic 48 Month CD
OTHER TIERS: 1.40% → $1k - $10k | 1.45% → $10k - $25k | 1.50% → $25k - $50k | 1.55% → $50k - $100k
1.50%*$100k*-MembersPlus 24 Month CD
OTHER TIERS: 1.20% → $1k - $10k | 1.25% → $10k - $25k | 1.30% → $25k - $50k | 1.40% → $50k - $100k
1.50%*$100k*-BusinessPlus 24 Month CD
OTHER TIERS: 1.20% → $1k - $10k | 1.25% → $10k - $25k | 1.30% → $25k - $50k | 1.40% → $50k - $100k
1.45%*$100k*-MembersBasic 36 Month CD
OTHER TIERS: 1.25% → $1k - $10k | 1.30% → $10k - $25k | 1.35% → $25k - $50k | 1.40% → $50k - $100k
1.45%*$100k*-BusinessBasic 36 Month CD
OTHER TIERS: 1.25% → $1k - $10k | 1.30% → $10k - $25k | 1.35% → $25k - $50k | 1.40% → $50k - $100k
1.20%*$100k*-MembersPlus 12 Month CD
OTHER TIERS: 0.85% → $1k - $10k | 0.95% → $10k - $25k | 1.00% → $25k - $50k | 1.10% → $50k - $100k
1.20%*$100k*-MembersBasic 24 Month CD
OTHER TIERS: 1.00% → $1k - $10k | 1.05% → $10k - $25k | 1.10% → $25k - $50k | 1.15% → $50k - $100k
1.20%*$100k*-24 Month Youth CD
OTHER TIERS: 1.00% → $250 - $10k | 1.05% → $10k - $25k | 1.10% → $25k - $50k | 1.15% → $50k - $100k
1.20%*$100k*-BusinessPlus 12 Month CD
OTHER TIERS: 0.85% → $1k - $10k | 0.95% → $10k - $25k | 1.00% → $25k - $50k | 1.10% → $50k - $100k
1.20%*$100k*-BusinessBasic 24 Month CD
OTHER TIERS: 1.00% → $1k - $10k | 1.05% → $10k - $25k | 1.10% → $25k - $50k | 1.15% → $50k - $100k
0.90%*$100k*-MembersBasic 12 Month CD
OTHER TIERS: 0.65% → $1k - $10k | 0.75% → $10k - $25k | 0.80% → $25k - $50k | 0.85% → $50k - $100k
0.90%*$100k*-12 Month Youth CD
OTHER TIERS: 0.65% → $250 - $10k | 0.75% → $10k - $25k | 0.80% → $25k - $50k | 0.85% → $50k - $100k
0.90%*$100k*-BusinessBasic 12 Month CD
OTHER TIERS: 0.65% → $1k - $10k | 0.75% → $10k - $25k | 0.80% → $25k - $50k | 0.85% → $50k - $100k
0.50%$1k-MembersBasic 6 Month CD
0.50%$1k-Business 6 Month CD
0.45%*$10k*-MembersBasic 3 Month CD
OTHER TIERS: 0.40% → $1k - $10k
0.45%*$10k*-Business 3 Month CD
OTHER TIERS: 0.40% → $1k - $10k

Members Cooperative Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.65%*$100k*-MembersPlus 60 Month Share Certificate IRA
OTHER TIERS: 2.20% → $1k - $10k | 2.50% → $10k - $50k | 2.55% → $50k - $100k
2.00%*$100k*-MembersBasic 60 Month Share Certificate IRA
OTHER TIERS: 1.65% → $1k - $10k | 1.85% → $10k - $50k | 1.95% → $50k - $100k
2.00%*$100k*-MemberPlus 48 Month Share Certificate IRA
OTHER TIERS: 1.70% → $1k - $10k | 1.75% → $10k - $50k | 1.90% → $50k - $100k
1.75%*$100k*-MembersPlus 36 Month Share Certificate IRA
OTHER TIERS: 1.50% → $1k - $10k | 1.60% → $10k - $50k | 1.65% → $50k - $100k
1.60%*$100k*-MemberBasic 48 Month Share Certificate IRA
OTHER TIERS: 1.40% → $1k - $10k | 1.50% → $10k - $50k | 1.55% → $50k - $100k
1.50%*$100k*-MembersPlus 24 Month Share Certificate IRA
OTHER TIERS: 1.20% → $1k - $10k | 1.30% → $10k - $50k | 1.40% → $50k - $100k
1.45%*$100k*-MembersBasic 36 Month Share Certificate IRA
OTHER TIERS: 1.25% → $1k - $10k | 1.35% → $10k - $50k | 1.40% → $50k - $100k
1.20%*$100k*-MembersBasic 24 Month Share Certificate IRA
OTHER TIERS: 1.00% → $1k - $10k | 1.10% → $10k - $50k | 1.15% → $50k - $100k
1.19%*$100k*-MembersPlus 12 Month Share Certificate IRA
OTHER TIERS: 0.85% → $1k - $10k | 1.00% → $10k - $50k | 1.10% → $50k - $100k
0.90%*$100k*-MembersBasic 12 Month Share Certificate IRA
OTHER TIERS: 0.65% → $1k - $10k | 0.80% → $10k - $50k | 0.85% → $50k - $100k
Locations


Members Cooperative Credit Union Locations
Branch Office6241 Main StNorth Branch, MN 55056-6597
Branch Office305 Lundorff driveSandstone, MN 55072
Branch Office301 Elm AveMoose Lake, MN 55767
Branch Office215 N 40TH AVE WDULUTH, MN 55807
Branch Office149 W HIGHWAY 210MCGREGOR, MN 55760
Branch Office108 Minnesota Ave NAITKIN, MN 56431-1410
Branch Office605 W Central EntranceDULUTH, MN 55811-5448
Branch Office952 Woodland Ave # 960Duluth, MN 55812-1113
Branch Office210 6th Ave NE Suite 1Isanti, MN 55040
Branch Office101 14TH STCLOQUET, MN 55720