Members Cooperative Credit Union

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Based on 1 review

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CURRENT TOP RATE

MembersPlus 60 Month CD

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
3.00%	5-year CD	MembersBasic 60 Month CD 3.00% - American Express National Bank 60 Month CD
2.15%	1-year CD	MembersBasic 12 Month CD 2.45% - Synchrony Bank 12 Month CD
0.10%	Savings	Secondary and Emergency Fund 1.80% - American Express National Bank High Yield Savings Account

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Overview / Commentary

www.membersccu.org

218-879-3304

101 14th St
Cloquet, MN 55720

Members Cooperative Credit Union is headquartered in CLOQUET and is the 9^th largest credit union in the state of Minnesota. It is also the 407^th largest credit union in the nation. It was established in 1936 and as of June of 2018, it had grown to 192 employees and 50,568 members at 13 locations. Members Cooperative Credit Union's CD rates are 2X the national average, and it 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.
See current membership details

Related Posts

View all posts from:

2012
2006

7/6 - Top Special CD Rates at Members Cooperative Credit Union in MN

8/23 - 6.14% 48-Month CD at a Minnesota CU (Lake State)

Reviews (1)

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Best Local Credit Union

Posted by: lmclauson | Aug 14, 2018

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.

Comment

1

Health

A

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	60216
Year Chartered	1936
Employees	192
Primary Regulator

Profit Margin
Return on Assets - YTD	0.59%
Return on Equity - YTD	5%
Annual Interest Income	$13.6MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$732.2MM$651.9MM
Loans	Q2 2018vs Q2 2017	$593.9MM$500.5MM
Deposits	Q2 2018vs Q2 2017	$617.8MM$561.9MM
Equity Capital	Q2 2018vs Q2 2017	$86.3MM$82.4MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$3.9MM$3.2MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$3.8MM$3.9MM
Real Estate Owned	Q2 2018vs Q2 2017	$520.00K$250.00K

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 Cooperative Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%	-	-	Roth IRA
0.75%	-	-	Education IRA
0.75%	-	-	Traditional IRA
0.75%	-	-	SEP IRA
0.25%^*	$5k^*	-	MembersPlus Health Savings Account
OTHER TIERS: 0.10% → Up to $5k
0.20%	-	-	Christmas Club
0.10%	-	-	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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.15%^*	$100k^*	-	MembersPlus Money Market
OTHER TIERS: 0.10% → $500 - $2.5k \| 0.50% → $2.5k - $10k \| 0.75% → $10k - $25k \| 0.85% → $25k - $50k \| 1.05% → $50k - $100k
0.90%^*	$100k^*	-	BusinessPlus Money Market
OTHER TIERS: 0.10% → $500 - $2.5k \| 0.35% → $2.5k - $10k \| 0.50% → $10k - $25k \| 0.60% → $25k - $50k \| 0.80% → $50k - $100k
0.60%^*	$50k^*	-	MembersBasic Money Market
OTHER TIERS: 0.05% → $500 - $2.5k \| 0.20% → $2.5k - $10k \| 0.35% → $10k - $50k
0.60%^*	$50k^*	-	Money Market
OTHER TIERS: 0.05% → $500 - $2.5k \| 0.20% → $2.5k - $10k \| 0.35% → $10k - $50k
0.25%^*	$50k^*	-	BusinessBasic Money Market
OTHER TIERS: 0.05% → $500 - $2.5k \| 0.10% → $2.5k - $10k \| 0.15% → $10k - $50k

Members Cooperative Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$2.5k	-	Preferred Checking
0.05%	$2.5k	-	EcoChoice

Members Cooperative Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.15%^*	$100k^*	-	MembersPlus 60 Month CD
OTHER TIERS: 2.90% → $1k - $50k \| 3.05% → $50k - $100k
3.05%^*	$100k^*	-	MembersPlus 48 Month CD
OTHER TIERS: 2.85% → $1k - $50k \| 2.95% → $50k - $100k
3.00%^*	$100k^*	-	MembersBasic 60 Month CD
OTHER TIERS: 2.70% → $1k - $50k \| 2.90% → $50k - $100k
3.00%^*	$100k^*	-	60 Month Term CD (Funeral)
OTHER TIERS: 2.70% → $1k - $50k \| 2.90% → $50k - $100k
3.00%^*	$100k^*	-	MembersPlus 36 Month CD
OTHER TIERS: 2.80% → $1k - $50k \| 2.90% → $50k - $100k
2.90%^*	$100k^*	-	MembersBasic 48 Month CD
OTHER TIERS: 2.65% → $1k - $50k \| 2.80% → $50k - $100k
2.70%^*	$100k^*	-	MembersPlus 24 Month CD
OTHER TIERS: 2.50% → $1k - $50k \| 2.60% → $50k - $100k
2.70%^*	$100k^*	-	MembersBasic 36 Month CD
OTHER TIERS: 2.50% → $1k - $50k \| 2.60% → $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
2.50%^*	$100k^*	-	MembersPlus 12 Month CD
OTHER TIERS: 2.25% → $1k - $50k \| 2.35% → $50k - $100k
2.40%^*	$100k^*	-	MembersBasic 24 Month CD
OTHER TIERS: 2.20% → $1k - $50k \| 2.30% → $50k - $100k
2.40%^*	$100k^*	-	24 Month Youth CD
OTHER TIERS: 2.20% → $250 - $50k \| 2.30% → $50k - $100k
2.15%^*	$100k^*	-	MembersBasic 12 Month CD
OTHER TIERS: 1.95% → $1k - $50k \| 2.05% → $50k - $100k
2.15%^*	$100k^*	-	12 Month Youth CD
OTHER TIERS: 1.95% → $250 - $50k \| 2.05% → $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^*	-	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^*	-	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^*	-	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^*	-	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^*	-	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^*	-	BusinessBasic 12 Month CD
OTHER TIERS: 0.65% → $1k - $10k \| 0.75% → $10k - $25k \| 0.80% → $25k - $50k \| 0.85% → $50k - $100k
0.85%^*	$100k^*	-	MembersBasic 6 Month CD
OTHER TIERS: 0.75% → $1k - $50k \| 0.80% → $50k - $100k
0.80%^*	$100k^*	-	MembersBasic 3 Month CD
OTHER TIERS: 0.70% → $1k - $50k \| 0.75% → $50k - $100k
0.50%	$1k	-	BusinessBasic 6 Month CD
0.45%^*	$10k^*	-	BusinessBasic 3 Month CD
OTHER TIERS: 0.40% → $1k - $10k

Members Cooperative Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.15%^*	$100k^*	-	MembersPlus 60 Month Share Certificate IRA
OTHER TIERS: 2.90% → $1k - $50k \| 3.05% → $50k - $100k
3.05%^*	$100k^*	-	MemberPlus 48 Month Share Certificate IRA
OTHER TIERS: 2.85% → $1k - $50k \| 2.95% → $50k - $100k
3.00%^*	$100k^*	-	MembersBasic 60 Month Share Certificate IRA
OTHER TIERS: 2.70% → $1k - $50k \| 2.90% → $50k - $100k
3.00%^*	$100k^*	-	MembersPlus 36 Month Share Certificate IRA
OTHER TIERS: 2.80% → $1k - $50k \| 2.90% → $50k - $100k
2.90%^*	$100k^*	-	MemberBasic 48 Month Share Certificate IRA
OTHER TIERS: 2.65% → $1k - $50k \| 2.80% → $50k - $100k
2.70%^*	$100k^*	-	MembersPlus 24 Month Share Certificate IRA
OTHER TIERS: 2.50% → $1k - $50k \| 2.60% → $50k - $100k
2.70%^*	$100k^*	-	MembersBasic 36 Month Share Certificate IRA
OTHER TIERS: 2.50% → $1k - $50k \| 2.60% → $50k - $100k
2.50%^*	$100k^*	-	MembersPlus 12 Month Share Certificate IRA
OTHER TIERS: 2.25% → $1k - $50k \| 2.35% → $50k - $100k
2.40%^*	$100k^*	-	MembersBasic 24 Month Share Certificate IRA
OTHER TIERS: 2.20% → $1k - $50k \| 2.30% → $50k - $100k
2.15%^*	$100k^*	-	MembersBasic 12 Month Share Certificate IRA
OTHER TIERS: 1.95% → $1k - $50k \| 2.05% → $50k - $100k

Locations

Availability

Duluth Area

Duluth Area bank & credit union details

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