Members Cooperative

duluth, Minnesota
Last verified: July 15, 2026

As of July 15, 2026, Members Cooperative offers a share_certificate_3mo mortgage at 1.25% APR (1.25% rate, 0 points). Personal loan rates from 10.04% APR.

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

Who Can Join Members Cooperative

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

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

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

Mortgage Rates

Rates as of July 15, 2026

share_certificate_3mo
1.250% APR
Rate1.250%
Points0
Basic 3 Month Share Certificate
share_certificate_6mo
2.000% APR
Rate2.000%
Points0
Basic 6 Month Share Certificate
share_certificate_24mo
2.100% APR
Rate2.100%
Points0
MembersBasic 24 Month Share Certificate
share_certificate_12mo
2.150% APR
Rate2.150%
Points0
MembersBasic 12 Month Share Certificate
share_certificate_36mo
2.800% APR
Rate2.800%
Points0
MembersBasic 36 Month Share Certificate
share_certificate_48mo
2.800% APR
Rate2.800%
Points0
MembersBasic 48 Month Share Certificate
share_certificate
2.850% APR
Rate2.850%
Points0
Funeral Share Certificate
share_certificate_60mo
2.850% APR
Rate2.850%
Points0
MembersBasic 60 Month Share Certificate
share_certificate_24mo
3.200% APR
Rate3.200%
Points0
MembersPlus 24 Month Share Certificate
share_certificate_36mo
3.200% APR
Rate3.200%
Points0
MembersPlus 36 Month Share Certificate
share_certificate_48mo
3.200% APR
Rate3.200%
Points0
MembersPlus 48 Month Share Certificate
share_certificate_60mo
3.250% APR
Rate3.250%
Points0
MembersPlus 60 Month Share Certificate
share_certificate_12mo
3.500% APR
Rate3.500%
Points0
MembersPlus 12 Month Share Certificate

Personal Loan Rates

Rates as of July 15, 2026

personal_unsecured
10.040% APR
Rate10.040%
Personal Loan

Frequently Asked Questions

What rates does Members Cooperative offer?

Members Cooperative currently offers mortgage, and personal loan rates. The rates shown on this page were last verified July 15, 2026 directly from the credit union's official website.

How often are Members Cooperative rates updated?

RateAPI verifies Members Cooperative's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 15, 2026.

Where does RateAPI get Members Cooperative's rate data?

Rate data is collected directly from Members Cooperative'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's mortgage rate?

As of July 15, 2026, Members Cooperative offers a share_certificate_3mo mortgage at 1.25% APR.

Related Rate Data

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

More Minnesota credit unionsMortgage rate benchmarkPersonal 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.

View Original Source

Methodology

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

View Methodology

Use it via API

Access this data programmatically with our REST API

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