Members Exchange Credit Union

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Overview / Commentary

www.mecuanywhere.com

601-922-3350

107 Marketridge Dr
Ridgeland, MS 39157

Members Exchange Credit Union is headquartered in Ridgeland and is the 11^th largest credit union in the state of Mississippi. It is also the 1,521^st largest credit union in the nation. It was established in 1954 and as of December of 2021, it had grown to 36 employees and 15,075 members at 3 locations. Members Exchange Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in Members Exchange Credit Union is open to those who live, work, worship, attend school, or volunteer in Madison, Hinds, Copiah, Rankin, or Simpson Counties in Mississippi.
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Related Posts

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2020
2013

1/6 - Members Exchange Credit Union (MS) Adds 54-Month CD, 3.30% APY

5/6 - Competitive Reward Checking at Members Exchange Credit Union in MS

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Health

A+

Data as of Q4 2021

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Health Grade Components

Overall
NCUA #	60598
Year Chartered	1954
Employees	36
Primary Regulator

Profit Margin
Return on Assets - YTD	1.39%
Return on Equity - YTD	8.35%
Annual Interest Income	$4.9MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$141.3MM$130.0MM
Loans	Q4 2021vs Q4 2020	$56.8MM$59.8MM
Deposits	Q4 2021vs Q4 2020	$115.6MM$106.8MM
Equity Capital	Q4 2021vs Q4 2020	$23.3MM$21.3MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$371.00K$1.1MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$59.00K$40.00K
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

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 Exchange Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	-	$10k	Kasasa Saver
0.15%^*	$5k^*	-	IRA Savings Account
OTHER TIERS: 0.01% → Up to $1k \| 0.05% → $1k - $2.5k \| 0.10% → $2.5k - $5k
0.05%	$500	-	Business Savings Account
0.01%	$500	-	Regular Share Savings Account
0.01%	$500	-	Holiday Club Account
0.01%	$500	-	Vacation Club Account
0.01%	-	-	Regular Share Savings for Minors

Members Exchange Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.15% → $2.5k - $10k \| 0.20% → $10k - $25k \| 0.25% → $25k - $50k
0.20%^*	$50k^*	-	Business Money Market Account
OTHER TIERS: 0.05% → $2.5k - $10k \| 0.15% → $10k - $25k \| 0.17% → $25k - $50k

Members Exchange Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.75%	-	$10k	Kasasa Cash
0.05%	$1k	-	e-Business Checking Account
0.01%	$1k	-	Members Choice Checking Account
0.01%	$1k	-	Simply Checking

Members Exchange Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.90%^*	$50k^*	-	60 Month CD
OTHER TIERS: 0.70% → $500 - $2.5k \| 0.75% → $2.5k - $10k \| 0.80% → $10k - $25k \| 0.85% → $25k - $50k
0.90%^*	$50k^*	-	Business 60 Month CD
OTHER TIERS: 0.70% → $500 - $2.5k \| 0.75% → $2.5k - $10k \| 0.80% → $10k - $25k \| 0.85% → $25k - $50k
0.85%^*	$50k^*	-	48 Month CD
OTHER TIERS: 0.65% → $500 - $2.5k \| 0.70% → $2.5k - $10k \| 0.75% → $10k - $25k \| 0.80% → $25k - $50k
0.85%^*	$50k^*	-	Business 48 Month CD
OTHER TIERS: 0.65% → $500 - $2.5k \| 0.70% → $2.5k - $10k \| 0.75% → $10k - $25k \| 0.80% → $25k - $50k
0.75%^*	$50k^*	-	36 Month CD
OTHER TIERS: 0.55% → $500 - $2.5k \| 0.60% → $2.5k - $10k \| 0.65% → $10k - $25k \| 0.70% → $25k - $50k
0.75%^*	$50k^*	-	Business 36 Month CD
OTHER TIERS: 0.55% → $500 - $2.5k \| 0.60% → $2.5k - $10k \| 0.65% → $10k - $25k \| 0.70% → $25k - $50k
0.70%^*	$50k^*	-	24 Month CD
OTHER TIERS: 0.50% → $500 - $2.5k \| 0.55% → $2.5k - $10k \| 0.60% → $10k - $25k \| 0.65% → $25k - $50k
0.70%^*	$50k^*	-	Business 24 Month CD
OTHER TIERS: 0.50% → $500 - $2.5k \| 0.55% → $2.5k - $10k \| 0.60% → $10k - $25k \| 0.65% → $25k - $50k
0.65%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.45% → $500 - $2.5k \| 0.50% → $2.5k - $10k \| 0.55% → $10k - $25k \| 0.60% → $25k - $50k
0.65%^*	$50k^*	-	Business 12 Month CD
OTHER TIERS: 0.45% → $500 - $2.5k \| 0.50% → $2.5k - $10k \| 0.55% → $10k - $25k \| 0.60% → $25k - $50k
0.35%^*	$50k^*	-	6 Month CD
OTHER TIERS: 0.15% → $500 - $2.5k \| 0.20% → $2.5k - $10k \| 0.25% → $10k - $25k \| 0.30% → $25k - $50k
0.35%^*	$50k^*	-	Business 6 Month CD
OTHER TIERS: 0.15% → $500 - $2.5k \| 0.20% → $2.5k - $10k \| 0.25% → $10k - $25k \| 0.30% → $25k - $50k
0.10%	$500	-	3 Month CD
0.10%	$500	-	Business 3 Month CD

Members Exchange Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.90%^*	$50k^*	-	60 Month IRA
OTHER TIERS: 0.70% → $500 - $2.5k \| 0.75% → $2.5k - $10k \| 0.80% → $10k - $25k \| 0.85% → $25k - $50k
0.85%^*	$50k^*	-	48 Month IRA
OTHER TIERS: 0.65% → $500 - $2.5k \| 0.70% → $2.5k - $10k \| 0.75% → $10k - $25k \| 0.80% → $25k - $50k
0.75%^*	$50k^*	-	36 Month IRA
OTHER TIERS: 0.55% → $500 - $2.5k \| 0.60% → $2.5k - $10k \| 0.65% → $10k - $25k \| 0.70% → $25k - $50k
0.70%^*	$50k^*	-	24 Month IRA
OTHER TIERS: 0.50% → $500 - $2.5k \| 0.55% → $2.5k - $10k \| 0.60% → $10k - $25k \| 0.65% → $25k - $50k
0.65%^*	$50k^*	-	12 Month IRA
OTHER TIERS: 0.45% → $500 - $2.5k \| 0.50% → $2.5k - $10k \| 0.55% → $10k - $25k \| 0.60% → $25k - $50k
0.35%^*	$50k^*	-	6 Month IRA
OTHER TIERS: 0.15% → $500 - $2.5k \| 0.20% → $2.5k - $10k \| 0.25% → $10k - $25k \| 0.30% → $25k - $50k
0.10%	$500	-	3 Month IRA

Locations

Members Exchange Credit Union Locations
Branch Office	107 Marketridge Dr	Ridgeland, MS 39157-6027
Branch Office	101 Metroplex Blvd	Pearl, MS 39208
Branch Office	5640 I 55 S	Byram, MS 39272-9402

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