Members Credit Union

Headquarters

Po Box 5297
Winston Salem, NC 27113
See all branch locations →

ACH 53185066

Notable Rates APY Vs.Others
Savings 0.10% 4.35% →
1-Year CD 0.40% 4.59% →
2-Year CD 0.70% 4.47% →
5-Year CD 1.00% 4.50% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2026 Overview

General Credit Union Information

Members is an NCUA insured institution located in Winston Salem, NC. It was founded in 1953 and has approximately $481.76 millions in assets.

Who can join?

You may be eligible to join if:
• You are an employee or retiree from a Sponsor Company.
• You are a family member of any existing MCU member.
• You live, work, worship, or learn in a 25 mile radius of Hope Mills, NC.
• You live, work, worship, or learn in Surry, Wilkes, or Yadkin County
• You live, work, worship, or learn in Sampson or Duplin County.
• You are a member of an affiliate association of MCU.

NCUA Insured Yes / State-Chartered
Charter Number # # 60002
Date Established 1953
Assets $481.76 million
Loans $186.48 million
Deposits $411.91 million
Capital $69.14 million
 

Field of Membership Restrictions

Membership is open to anyone through joining The Hispanic League of the Piedmont Triad ($10 membership fee). Membership is also open to those who live, work, or attend school in Surry, Wilkes, Sampson, Duplin, or Yadkin Counties and within a 25-mile radius of Hope Mills, North Carolina.

Deposit Rates - September 29, 2026

Your Current Location: Arizona, AZ 85001

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.70% $100,000 $199,999 Learn More
36 Mo CD
0.80% $10,000 $14,999 Learn More
36 Mo CD
0.80% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 29, 2026

Your Current Location: Arizona, AZ 85001

There are currently no loan rates available for Members

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Arizona 30 Year Fixed Mortgage Rates 2026

View more mortgage rates

Featured - Arizona Home Equity Line Of Credit Rates 2026

View more home equity rates

Note to Members
To upload and update your bank's rates please register. It is free to register and add rates.








Climate Policy and Initiatives

MEMBERS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


Add Your Review


Rate it here →

or use your Google account

or use your BestCashCow account

Financial Details

Members Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Members. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Members U.S. Average
2.50% 6.78

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2025, Members had $1,437,767 in non-current loans and $329,407 in owned assets. To cover these potential losses it had $69,142,181 in net worth and $1,473,537 in loans loss reserves. That gives it a Texas Ratio of 2.50%.

Net Worth
Members U.S. Average
14.35% 14.48%

Members FCU has a net worth of 14.35% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Members

There are currently no comments for MEMBERS. Be the first to share your experience. Please provide comments that will help others.


Add Your Review


Rate it here →

or use your Google account

or use your BestCashCow account