Members Cooperative Credit Union

Duluth, Minnesota
Last verified: August 4, 2026
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Verified rate book

Current Members Cooperative Credit Union rates

33 published offers verified as of August 4, 2026.

How we verify rates

Personal loan rates

4 offers
Members Cooperative Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
36-Month Personal Loanpersonal_unsecured_36mo10.040% APR10.040%36 moStandard
48-Month Personal Loanpersonal_unsecured_48mo10.740% APR10.740%48 moStandard
60-Month Personal Loanpersonal_unsecured_60mo10.940% APR10.940%60 moStandard
72-Month Personal Loanpersonal_unsecured_72mo11.540% APR11.540%72 moStandard

Savings & CD rates

29 offers
Members Cooperative Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Account Basic 3 Month Certificateshare_certificate_3mo1.25% APY1.25%3 moStandard
Boosted Savingssavings2.00% APY2.00%—Standard
Account Basic 6 Month Certificateshare_certificate_6mo2.00% APY2.00%6 moStandard
Account MembersBasic 24 Month Certificateshare_certificate_24mo2.10% APY2.10%24 moStandard
MembersBasic 24 Month Share IRA Certificateira_cd_24mo2.10% APY2.10%24 moStandard
MembersBasic 12 Month Share IRA Certificateira_cd_12mo2.15% APY2.15%12 moStandard
Account MembersBasic 12 Month Certificateshare_certificate_12mo2.15% APY2.15%12 moStandard
Account MembersBasic 36 Month Certificateshare_certificate_36mo2.80% APY2.80%36 moStandard
Account MembersBasic 48 Month Certificateshare_certificate_48mo2.80% APY2.80%48 moStandard
MembersBasic 36 Month Share IRA Certificateira_cd_36mo2.80% APY2.80%36 moStandard
MembersBasic 48 Month Share IRA Certificateira_cd_48mo2.80% APY2.80%48 moStandard
MembersBasic 60 Month Share IRA Certificateira_cd_60mo2.85% APY2.85%60 moStandard
Account MembersBasic 60 Month Certificateshare_certificate_60mo2.85% APY2.85%60 moStandard
Account Funeral Certificateshare_certificate2.85% APY2.85%—Standard
MembersPlus 48 Month Share IRA Certificateira_cd_48mo3.20% APY3.20%48 moStandard
Account MembersPlus 24 Month Certificateshare_certificate_24mo3.20% APY3.20%24 moStandard
Account MembersPlus 48 Month Certificateshare_certificate_48mo3.20% APY3.20%48 moStandard
MembersPlus 36 Month Share IRA Certificateira_cd_36mo3.20% APY3.20%36 moStandard
Account MembersPlus 36 Month Certificateshare_certificate_36mo3.20% APY3.20%36 moStandard
MembersPlus 24 Month Share IRA Certificateira_cd_24mo3.20% APY3.20%24 moStandard
Account MembersPlus 60 Month Certificateshare_certificate_60mo3.25% APY3.25%60 moStandard
MembersPlus 60 Month Share IRA Certificateira_cd_60mo3.25% APY3.25%60 moStandard
MembersPlus 12 Month Share IRA Certificateira_cd_12mo3.50% APY3.50%12 moStandard
Account MembersPlus 12 Month Certificateshare_certificate_12mo3.50% APY3.50%12 moStandard
MembersBasic 13 Month Share IRA Certificateira_cd_13mo4.00% APY4.00%13 moStandard
Account MembersBasic 13 Month Certificateshare_certificate_13mo4.00% APY4.00%13 moStandard
MembersPlus 13 Month Certificatecd_13mo4.10% APY4.10%13 moStandard
MembersPlus 13 Month Share IRA Certificateira_cd_13mo4.10% APY4.10%13 moStandard
Account MembersPlus 13 Month Certificateshare_certificate_13mo4.10% APY4.10%13 moStandard

Personal loan rates from 10.04% APR. Savings and certificate yields up to 4.10% APY.

Source: RateAPI.dev, verified from Members Cooperative Credit Union's official website

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About Members Cooperative Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
59.6K
Assets
$1.2B
Founded
1936
Locations reported
12
NCUA charter
60216
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Student scholarships
  • Credit-builder products

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

CentricityDenfeld Office · Duluth · MN · 55807Branch in the same ZIPNorth StarNorthern Pacific Duluth Branch · Duluth · MN · 55807Branch in the same ZIPSuperior ChoiceDenfeld Branch · Duluth · MN · 55807-2747Branch in the same ZIPNorth ShoreDuluth - Lincoln Park · Duluth · MN · 55806-2141About 3.0 miles awayHarbor PointeDowntown Main Office · Duluth · MN · 55802-2014About 4.5 miles awayMinnesota Power EmployeesMPECU · Duluth · MN · 55802-2191About 4.5 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Members Cooperative Credit Union

Membership eligibility from Members Cooperative Credit Union's own published criteria. How we verify this.

Community charter: live/work in Aitkin, Anoka, Beltrami +18 more, MN, WI

  • LocationAitkin, Anoka, Beltrami, Carlton, Cass, Chisago, Cook, Crow Wing, Isanti, Itasca, Kanabec, Koochiching, Lake, Mille Lacs, Pine, Sherburne, Stearns, St. Louis, Washington, Wright, Douglas — MN, WI
  • EmployerMembers Cooperative Credit Union

Verified from Members Cooperative Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Members Cooperative Credit Union offer?

Members Cooperative Credit Union currently offers personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Members Cooperative Credit Union rates updated?

RateAPI verifies Members Cooperative Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Members Cooperative Credit Union's rate data?

Rate data is collected directly from Members Cooperative Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Members Cooperative Credit Union's personal loan rate?

As of August 4, 2026, Members Cooperative Credit Union offers personal loans from 10.04% APR.

What is Members Cooperative Credit Union's best CD rate?

As of August 4, 2026, Members Cooperative Credit Union offers savings and certificate (CD) yields up to 4.10% APY.

Related Rate Data

Compare Members Cooperative Credit Union's rates against national credit-union benchmarks.

More Minnesota credit unionsPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Members Cooperative Credit Union rates

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# Get rates for Members Cooperative Credit Union
curl "https://api.rateapi.dev/credit-unions/minnesota/members-cooperative" \
  -H "Authorization: Bearer YOUR_API_KEY"
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