Members United Credit Union


1115 N Westover Blvd
Albany, GA 31707
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 1.02% →
1-Year CD 0.85% 1.45% →
2-Year CD 1.51% 2.86% →
5-Year CD N.A. 3.21% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Members United Credit Union is an NCUA insured institution located in Albany, GA. It was founded in 1934 and has approximately $68.86 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 67394
Date Established 1934
Assets $68.86 million
Loans $23.15 million
Deposits $59.80 million
Capital $8.95 million

Field of Membership Restrictions

Membership is open to those who live in Muscogee, Lee or Dougherty Counties in Georgia. Membership is also open to active and retired military or federal employees in Atkinson, Ben Hill, Baker, Brooks, Berrien, Clay, Calhoun, Clinch, Colquitt, Decatur, Cook, Doughtery, Echols, Early, Irwin, Grady, Lanier, Lowndes, Lee, Mitchell, Randolph, Quitman, Sumter, Seminole, Thomas, Terrell, Tift, Turner, and Worth Counties; employees of Albany Mall, C&P Restaurant Co., American Blanching Company, Columbus Country Club, Lance Snack Food Company, Georgia Federal and State Inspection Service, MANA Nutrition, Merck Chemical, Mt. Zion Baptist Church, Professional Plumbing, Road America, Sam's Club of Albany, Ryan's Steakhouse, Stafford Development Group – Tifton Division, Stafford Foods, Stafford Properties, Stella-Jones Cordele Division, Sumter County Sheriff's Office.

Deposit Rates - May 21, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.25% $2,500 $4,999 Learn More
Money Market
0.30% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.75% $10,000 $14,999 Learn More
6 Mo CD
0.75% $100,000 $199,999 Learn More
12 Mo CD
0.85% $10,000 $14,999 Learn More
12 Mo CD
0.85% $100,000 $199,999 Learn More
18 Mo CD
1.26% $10,000 $14,999 Learn More
18 Mo CD
1.26% $100,000 $199,999 Learn More
24 Mo CD
1.51% $10,000 $14,999 Learn More
24 Mo CD
1.51% $100,000 $199,999 Learn More

Loan Rates - May 21, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for MEMBERS UNITED CREDIT UNION

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
4.975% 4.875% 0.75 $2,870 $1,324 Learn More
Rocket Mortgage
NMLS ID: 3030
5.990% 5.875% 0.75 $3,125 $1,479 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

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



Below are Members United Credit Union branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Members United Credit Union Locations

Climate Initiatives

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

Financial Details

Members United Credit Union Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Members United Credit Union. 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 United Credit Union U.S. Average
3.46% 4.85

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, 2021, Members United Credit Union had $320,111 in non-current loans and $7,000 in owned assets. To cover these potential losses it had $8,946,189 in net worth and $505,403 in loans loss reserves. That gives it a Texas Ratio of 3.46%.

Net Worth
Members United Credit Union U.S. Average
12.99% 12.36%

Members United Credit Union FCU has a net worth of 12.99% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.


  • August 12, 2021

    There has been a change in MUCU in Albany, GA, Westover. It is not the friendly, helpful, hometown feel anymore. And they are taking away the convenience of local banking by closing some of its locations. I have had some interesting experiences for several months.

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