215 N 40th Ave W
Duluth, MN 55807
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ACH 291973454
Members Cooperative is an NCUA insured institution located in Duluth, MN. It was founded in 1936 and has approximately $1172.15 millions in assets.
Who can join?
You can become a member if you meet any of these criteria:
You live, work, worship or attend school within Aitkin, Carlton, Cook, Itasca, Koochiching, Lake or St. Louis Counties
You own a businesses or other legal entity within the counties listed
You, or a family member, are a past or present employee of MCCU
You are related by descent, adoption, marriage or domestic partnership to a person meeting one of the above criteria
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60216 |
| Date Established | 1936 |
| Assets | $1,172.15 million |
| Loans | $934.45 million |
| Deposits | $962.84 million |
| Capital | $119.50 million |
Your Current Location: Arizona, AZ 85001
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
|
Premium Money Market Account
|
0.30% | $10,000 | $14,999 |
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|
|
Premium Money Market Account
|
0.35% | $25,000 | $34,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.35% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.40% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.50% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.35% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Your Current Location: Arizona, AZ 85001
There are currently no loan rates available for Members Cooperative
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Note to Members Cooperative
To upload and update your bank's rates please register.
It is free to register and add rates.
Below are Members Cooperative branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Phoenix,Arizona
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 351.20 | A | View Lobby Hours | |
| 1328.56 | B | View Lobby Hours | |
| 1347.62 | C | View Lobby Hours | |
| 1386.64 | D | View Lobby Hours | |
| 1399.99 | E | View Lobby Hours | |
| 1402.45 | F | View Lobby Hours |
MEMBERS COOPERATIVE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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The following ratios and data are available to help you better understand the financial condition of Members Cooperative. 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.
| Members Cooperative | U.S. Average |
|---|---|
| 14.17% | 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 Cooperative had $15,768,975 in non-current loans and $1,589,959 in owned assets. To cover these potential losses it had $119,497,553 in net worth and $3,016,293 in loans loss reserves. That gives it a Texas Ratio of 14.17%.
| Members Cooperative | U.S. Average |
|---|---|
| 10.19% | 14.48% |
Members Cooperative FCU has a net worth of 10.19% 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.
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Last Update on September 16, 2026
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