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Members Heritage Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.membersheritage.org
859-259-3466
440 Park Pl
Lexington, KY 40511

Members Heritage Credit Union is headquartered in Lexington and is the 6th largest credit union in the state of Kentucky. It is also the 704th largest credit union in the nation. It was established in 1960 and as of March of 2025, it had grown to 85 employees and 54,671 members at 4 locations. Members Heritage Credit Union's money market rates are 6X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership to Members Heritage Credit Union is open to anyone who lives, works, worships, attends school, or has family in the Kentucky counties of Anderson, Bourbon, Bath, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Mercer, Menifee, Montgomery, Morgan, Nicholas, Powell, Rowan, Scott, or Woodford.
See current membership details

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68661
Year Chartered1960
Employees85
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD5.36%
Annual Interest Income$6.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$557.6MM$538.4MM
LoansQ1 2025vs Q1 2024$361.8MM$362MM
DepositsQ1 2025vs Q1 2024$487.8MM$472.8MM
Equity CapitalQ1 2025vs Q1 2024$67.4MM$61.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.7MM$2.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1MM$894K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Members Heritage 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 Heritage Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$5-Regular Share Account
0.35%$2.5k-Christmas Club Account
0.35%$0-Health Savings Account

Members Heritage Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$100k*-Money Market Account
OTHER TIERS: 1.80% → $2.5k - $10k | 1.95% → $10k - $25k | 2.10% → $25k - $50k | 2.25% → $50k - $100k

Members Heritage Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$100k-1 Year Jumbo CD Special
4.10%$500-182 Day CD Special
4.00%$500-1 Year CD
4.00%$250$19k13 Month Teen Term Share Certificate
3.85%$100k-5 Year Jumbo CD
3.75%$500-5 Year CD
3.60%$100k-4 Year Jumbo CD
3.50%$500-4 Year CD
3.45%$100k-3 Year Jumbo CD
3.35%$500-3 Year CD
3.20%$100k-2 Year Jumbo CD
3.10%$500-2 Year CD
1.40%$500-91 Day CD

Members Heritage Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-12 Month IRA
4.00%$500-12 Month CESA
3.75%$1k-60 Month IRA
3.75%$500-60 Month CESA
3.50%$1k-48 Month IRA
3.50%$500-48 Month CESA
3.35%$1k-36 Month IRA
3.35%$500-36 Month CESA
3.10%$1k-24 Month IRA
3.10%$500-24 Month CESA
0.50%$0-IRA Savings Account
Locations


Members Heritage Credit Union Locations
Branch Office1039 N Main StNicholasville, KY 40356-2312
Branch Office339 Shoppers DrWinchester, KY 40391-1379
Branch Office440 Park PlLexington, KY 40511-1829
Branch Office2420 Members WayLexington, KY 40504

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