Featured Savings Rates
Featured Accounts

Members Cooperative Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.40%5-year CDMembersPlus 60 Month Term CD
1.70%4-year CDMembersPlus 48 Month Term CD
1.55%3-year CDMembersPlus 36 Month Term CD

Overview / Commentary
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 418th largest credit union in the nation. It was established in 1936 and as of September of 2016, it had grown to 173 employees and 46,224 members at 10 locations. Members Cooperative Credit Union's money market rates are 36% higher than the national average, and it has a B+ 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
B+

Health Grade Components

Overall
NCUA #60216
Year Chartered1936
Employees173
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD4.8%
Annual Interest Income$16.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$629.9MM$633.3MM
LoansQ3 2016vs Q3 2015$487.5MM$462.3MM
DepositsQ3 2016vs Q3 2015$546.1MM$551.2MM
Equity CapitalQ3 2016vs Q3 2015$78.7MM$76.0MM
Loan Loss AllowanceQ3 2016vs Q3 2015$3.6MM$4.0MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$5.1MM$5.4MM
Real Estate OwnedQ3 2016vs Q3 2015$270.00K$675.00K
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

Members Cooperative Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-MembersPlus Money Market
OTHER TIERS: 0.10% $500 - $2,500 | 0.30% $2,500 - $25k | 0.40% $25k - $50k | 0.50% $50k - $100k
0.25%*$50k*-MembersBasic 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%--Preferred Checking
0.05%--Classic Checking

Members Cooperative Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.40%*$100k*-MembersPlus 60 Month Term CD
OTHER TIERS: 2.05% $1k - $10k | 2.15% $10k - $25k | 2.25% $25k - $50k | 2.35% $50k - $100k
2.00%*$100k*-MembersBasic 60 Month Term 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
1.70%*$100k*-MembersPlus 48 Month Term 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 Term CD
OTHER TIERS: 1.40% $1k - $10k | 1.45% $10k - $25k | 1.50% $25k - $50k | 1.55% $50k - $100k
1.55%*$100k*-MembersPlus 36 Month Term CD
OTHER TIERS: 1.35% $1k - $10k | 1.40% $10k - $25k | 1.45% $25k - $50k | 1.50% $50k - $100k
1.45%*$100k*-MembersBasic 36 Month Term CD
OTHER TIERS: 1.25% $1k - $10k | 1.30% $10k - $25k | 1.35% $25k - $50k | 1.40% $50k - $100k
1.30%*$100k*-MembersPlus 24 Month Term CD
OTHER TIERS: 1.10% $1k - $10k | 1.15% $10k - $25k | 1.20% $25k - $50k | 1.25% $50k - $100k
1.20%*$100k*-MembersBasic 24 Month Term 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
1.00%*$100k*-MembersPlus 12 Month Term CD
OTHER TIERS: 0.75% $1k - $10k | 0.85% $10k - $25k | 0.90% $25k - $50k | 0.95% $50k - $100k
0.90%*$100k*-MembersBasic 12 Month Term 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
0.50%$1k-6 Month Term CD
0.45%*$10k*-3 Month Term CD
OTHER TIERS: 0.40% $1k - $10k

Members Cooperative Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.40%*$100k*-MembersPlus 60 Month Share Certificate IRA
OTHER TIERS: 2.05% $1k - $10k | 2.25% $10k - $50k | 2.35% $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
1.70%*$50k*-MemberPlus 48 Month Share Certificate IRA
OTHER TIERS: 1.50% $1k - $10k | 1.60% $10k - $50k
1.60%*$100k*-MemberBasic 48 Month Share Certificate IRA
OTHER TIERS: 1.40% $1k - $10k | 1.50% $10k - $50k | 1.55% $50k - $100k
1.55%*$100k*-MembersPlus 36 Month Share Certificate IRA
OTHER TIERS: 1.35% $1k - $10k | 1.45% $10k - $50k | 1.50% $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
1.30%*$100k*-MembersPlus 24 Month Share Certificate IRA
OTHER TIERS: 1.10% $1k - $10k | 1.20% $10k - $50k | 1.25% $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
1.00%*$100k*-MembersPlus 12 Month Share Certificate IRA
OTHER TIERS: 0.75% $1k - $10k | 0.90% $10k - $50k | 0.95% $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 Office605 W Central EntranceDULUTH, MN 55811-5448
Branch Office149 W HIGHWAY 210MCGREGOR, MN 55760
Branch Office18 1ST ST NEAITKIN, MN 56431
Branch Office215 N 40TH AVE WDULUTH, MN 55807
Branch Office101 14TH STCLOQUET, MN 55720
Branch Office6241 Main StNorth Branch, MN 55056-6597
Branch Office406 Commercial Ave NSandstone, MN 55072
Branch Office301 Elm AveMoose Lake, MN 55767
Branch Office210 6th Ave NE Suite 1Isanti, MN 55040
Branch Office952 Woodland Ave # 960Duluth, MN 55812-1113