--- title: "Members Cooperative Credit Union Rates (Nov 2026): CDs to 4.10%" description: "Members Cooperative Credit Union rates today: savings & CDs up to 4.10% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Members Cooperative Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/minnesota/members-cooperative" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Members Cooperative Credit Union Rates (Nov 2026): CDs to 4.10% ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Personal Loan** personal_unsecured_36mo | — APR | 10.540% | 36 mo | Standard | | **48-Month Personal Loan** personal_unsecured_48mo | — APR | 11.240% | 48 mo | Standard | | **60-Month Personal Loan** personal_unsecured_60mo | — APR | 11.440% | 60 mo | Standard | | **72-Month Personal Loan** personal_unsecured_72mo | — APR | 12.040% | 72 mo | Standard | Members Cooperative Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 27 offers | Product | Published | Rate | Term / condition | Status | | **Account Basic 3 Month Certificate** share_certificate_3mo | 1.25% APY | 1.25% | 3 mo | Standard | | **Account Basic 6 Month Certificate** share_certificate_6mo | 2.00% APY | 2.00% | 6 mo | Standard | | **MembersBasic 24 Month Share IRA Certificate** ira_cd_24mo | 2.10% APY | 2.10% | 24 mo | Standard | | **Account MembersBasic 24 Month Certificate** share_certificate_24mo | 2.10% APY | 2.10% | 24 mo | Standard | | **MembersBasic 12 Month Share IRA Certificate** ira_cd_12mo | 2.15% APY | 2.15% | 12 mo | Standard | | **Account MembersBasic 12 Month Certificate** share_certificate_12mo | 2.15% APY | 2.15% | 12 mo | Standard | | **MembersBasic 48 Month Share IRA Certificate** ira_cd_48mo | 2.80% APY | 2.80% | 48 mo | Standard | | **Account MembersBasic 36 Month Certificate** share_certificate_36mo | 2.80% APY | 2.80% | 36 mo | Standard | | **Account MembersBasic 48 Month Certificate** share_certificate_48mo | 2.80% APY | 2.80% | 48 mo | Standard | | **MembersBasic 36 Month Share IRA Certificate** ira_cd_36mo | 2.80% APY | 2.80% | 36 mo | Standard | | **MembersBasic 60 Month Share IRA Certificate** ira_cd_60mo | 2.85% APY | 2.85% | 60 mo | Standard | | **Account Funeral Certificate** share_certificate | 2.85% APY | 2.85% | — | Standard | | **Account MembersBasic 60 Month Certificate** share_certificate_60mo | 2.85% APY | 2.85% | 60 mo | Standard | | **MembersPlus 24 Month Share IRA Certificate** ira_cd_24mo | 3.20% APY | 3.20% | 24 mo | Standard | | **MembersPlus 36 Month Share IRA Certificate** ira_cd_36mo | 3.20% APY | 3.20% | 36 mo | Standard | | **MembersPlus 48 Month Share IRA Certificate** ira_cd_48mo | 3.20% APY | 3.20% | 48 mo | Standard | | **Account MembersPlus 24 Month Certificate** share_certificate_24mo | 3.20% APY | 3.20% | 24 mo | Standard | | **Account MembersPlus 36 Month Certificate** share_certificate_36mo | 3.20% APY | 3.20% | 36 mo | Standard | | **Account MembersPlus 48 Month Certificate** share_certificate_48mo | 3.20% APY | 3.20% | 48 mo | Standard | | **Account MembersPlus 60 Month Certificate** share_certificate_60mo | 3.25% APY | 3.25% | 60 mo | Standard | | **MembersPlus 60 Month Share IRA Certificate** ira_cd_60mo | 3.25% APY | 3.25% | 60 mo | Standard | | **Account MembersPlus 12 Month Certificate** share_certificate_12mo | 3.50% APY | 3.50% | 12 mo | Standard | | **MembersPlus 12 Month Share IRA Certificate** ira_cd_12mo | 3.50% APY | 3.50% | 12 mo | Standard | | **MembersBasic 13 Month Share IRA Certificate** ira_cd_13mo | 4.00% APY | 4.00% | 13 mo | Standard | | **Account MembersBasic 13 Month Certificate** share_certificate_13mo | 4.00% APY | 4.00% | 13 mo | Standard | | **Account MembersPlus 13 Month Certificate** share_certificate_13mo | 4.10% APY | 4.10% | 13 mo | Standard | | **MembersPlus 13 Month Share IRA Certificate** ira_cd_13mo | 4.10% APY | 4.10% | 13 mo | Standard | Members Cooperative Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.10% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/minnesota/members-cooperative) , verified from [Members Cooperative Credit Union's official website](https://www.membersccu.com/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**North Star** Northern Pacific Duluth Branch · Duluth · MN · 55807 About 0.5 miles away](https://rateapi.dev/credit-unions/minnesota/north-star) [**Superior Choice** Denfeld Branch · Duluth · MN · 55807-2747 About 1.3 miles away](https://rateapi.dev/credit-unions/wisconsin/superior-choice) [**Centricity** Denfeld Office · Duluth · MN · 55807 About 1.4 miles away](https://rateapi.dev/credit-unions/minnesota/centricity) [**Indianhead** SUPERIOR OFFICE · SUPERIOR · WI · 54880 About 3.1 miles away](https://rateapi.dev/credit-unions/wisconsin/indianhead) [**North Shore** Duluth - Lincoln Park · Duluth · MN · 55806-2141 About 3.2 miles away](https://rateapi.dev/credit-unions/minnesota/north-shore) [**Affinity Plus** DULUTH - LAKE SUPERIOR COLLEGE · DULUTH · MN · 55811-3349 About 3.7 miles away](https://rateapi.dev/credit-unions/minnesota/affinity-plus) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Members Cooperative Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer business or other legal entity Verified from [Members Cooperative Credit Union's membership page](https://www.membersccu.com/about/become-a-member/) . Final membership determination is always made by the credit union. ## Membership rules for Members Cooperative Credit Union Employers 2 · Family 3 published paths to membership, last verified August 21, 2026, quoted from Members Cooperative Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of business or other legal entity “You own a business or other legal entity within the counties listed.” > [source ↗](https://www.membersccu.com/about/become-a-member/) - Employee of business or other legal entity - Employee of Members Cooperative Credit Union “You or a family member are a past or present employee of Members Cooperative Credit Union.” > [source ↗](https://www.membersccu.com/about/become-a-member/) - Employee of Members Cooperative Credit Union ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, blood relative, adoptive relative “You’re the spouse of a member, or the blood or adoptive relative of either a member or their spouse.” > [source ↗](https://www.membersccu.com/about/become-a-member/) - Family member (spouse, blood relative, adoptive relative) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Members Cooperative Credit Union? Yes No ## Work at Members Cooperative Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Members Cooperative Credit Union ranks against Minnesota peers. - See which AI assistants fetched Members Cooperative Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Minnesota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=members-cooperative&state=minnesota&code=MN&name=Members%20Cooperative%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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 best CD rate? As of November 12, 2026, Members Cooperative Credit Union offers savings and certificate (CD) yields up to 4.10% APY. ### Who can join Members Cooperative Credit Union? Members Cooperative Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 2 employers for Members Cooperative Credit Union, each quoted from Members Cooperative Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Members Cooperative Credit Union's rates against national credit-union benchmarks. [More Minnesota credit unions](https://rateapi.dev/credit-unions/minnesota) [Minnesota personal loan leaders](https://rateapi.dev/personal-loan-rates/minnesota) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.membersccu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Members Cooperative Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Minnesota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Members Cooperative Credit Union curl "https://api.rateapi.dev/credit-unions/minnesota /members-cooperative " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Members Cooperative Credit Union locations Search, filter, and browse all 12 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/minnesota/members-cooperative Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp