Memphis City Employees Credit Union
Verified rate book
Current Memphis City Employees Credit Union rates
29 published offers verified as of August 4, 2026.
Mortgage rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 1st Mortgage 10-year balloon (30-year term)other | 5.500% APR | 5.500% | — | Standard |
| 1st Mortgage 15-year balloon (30-year term)other | 5.750% APR | 5.750% | — | Standard |
| 1st Mortgage (15-year term)other | 5.750% APR | 5.750% | — | Standard |
Auto & vehicle rates
10 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Used Auto Loanauto_used | 3.990% APR | 3.990% | used | Standard |
| New Auto Loanauto_new | 3.990% APR | 3.990% | new | Standard |
| Used Boat Loanboat_used | 7.990% APR | 7.990% | used | Standard |
| New Motorcycle Loanmotorcycle_new | 7.990% APR | 7.990% | new | Standard |
| Used Motorcycle Loanmotorcycle_used | 7.990% APR | 7.990% | used | Standard |
| New Boat Loanboat_new | 7.990% APR | 7.990% | new | Standard |
| New RV Loanrv_new | 7.990% APR | 7.990% | new | Standard |
| Used RV Loanrv_used | 7.990% APR | 7.990% | used | Standard |
| 4-Wheelers Newpowersports_new | 7.990% APR | 7.990% | new | Standard |
| 4-Wheelers Usedpowersports_used | 7.990% APR | 7.990% | used | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity (LOC-15 yrs) 80%heloc_variable | 6.750% APR | 6.750% | — | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Debt Consolidation Loanpersonal | 9.750% APR | 9.750% | — | Standard |
| Signature Loanpersonal_unsecured | 9.750% APR | 9.750% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Mastercard® Platinum Rewards Credit Cardcredit_card_rewards | 7.900% APR | 7.900% | — | Standard |
Savings & CD rates
12 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share Draft/Checkingsavings | 0.05% APY | 0.05% | — | Standard |
| Savingsshare_savings | 0.15% APY | 0.15% | — | Standard |
| Christmas Clubsavings | 0.15% APY | 0.15% | — | Specialty offer |
| Accumulative IRAira | 1.00% APY | 1.00% | — | Standard |
| Money Marketmoney_market | 1.00% APY | 1.00% | — | Standard |
| Premium Money Marketmoney_market | 2.96% APY | 2.96% | — | Standard |
| 24-Month Certificatecd_24mo | 3.35% APY | 3.35% | 24 mo | Standard |
| 30-Month Certificatecd_30mo | 3.40% APY | 3.40% | 30 mo | Standard |
| 36-Month Certificatecd_36mo | 3.45% APY | 3.45% | 36 mo | Standard |
| 42-Month Certificatecd_42mo | 3.50% APY | 3.50% | 42 mo | Standard |
| 12-Month Certificatecd_12mo | 3.60% APY | 3.60% | 12 mo | Standard |
| 6-Month Certificatecd_6mo | 3.75% APY | 3.75% | 6 mo | Standard |
As of August 4, 2026, Memphis City Employees Credit Union offers mortgage rates from 5.5% APR. Vehicle loans available from 3.99% APR. HELOC rates from 6.75% APR. Personal loan rates from 9.75% APR. Credit card rates from 7.9% APR. Savings and certificate yields up to 3.75% APY.
Source: RateAPI.dev, verified from Memphis City Employees Credit Union's official website
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About Memphis City Employees Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 44K
- Assets
- $500.7M
- Founded
- 1959
- Locations reported
- 7
- NCUA charter
- 60239
- 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
- First-time homebuyer program
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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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 Memphis City Employees Credit Union
Membership eligibility from Memphis City Employees Credit Union's own published criteria. How we verify this.
Membership via employers (City of Memphis +7 more)
- EmployerCity of Memphis, City of Bartlett, Airport Authority, Memphis & Shelby County Library, MLGW, Smith & Nephew, IRS Service Center in Memphis, TN, MCR Safety
Verified from Memphis City Employees 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 Memphis City Employees Credit Union offer?
Memphis City Employees Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Memphis City Employees Credit Union rates updated?
RateAPI verifies Memphis City Employees 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 Memphis City Employees Credit Union's rate data?
Rate data is collected directly from Memphis City Employees 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 Memphis City Employees Credit Union's mortgage rate?
As of August 4, 2026, Memphis City Employees Credit Union offers mortgage rates from 5.5% APR.
What are Memphis City Employees Credit Union's auto, rv, boat, motorcycle & powersports loan rates?
As of August 4, 2026, Memphis City Employees Credit Union offers vehicle loans from 3.99% APR.
What is Memphis City Employees Credit Union's HELOC rate?
As of August 4, 2026, Memphis City Employees Credit Union offers home equity lines of credit from 6.75% APR.
What is Memphis City Employees Credit Union's personal loan rate?
As of August 4, 2026, Memphis City Employees Credit Union offers personal loans from 9.75% APR.
What is Memphis City Employees Credit Union's best CD rate?
As of August 4, 2026, Memphis City Employees Credit Union offers savings and certificate (CD) yields up to 3.75% APY.
Related Rate Data
Compare Memphis City Employees Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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