--- title: "MY Community Credit Union Rates (Nov 2026): Mortgage 5.74%" description: "MY Community Credit Union rates today: mortgage 5.74% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join MY Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/my-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # MY Community Credit Union Rates (Nov 2026): Mortgage 5.74% ### Mortgage rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Used (2026 - 2022)** other | 5.740% APR | 5.490% | — | Standard | | **Used (2021 - 2020)** other | 6.040% APR | 6.040% | — | Standard | | **Used (2019 and older)** other | 7.640% APR | 7.090% | — | Standard | | **New (2026 - 2025)** other | — APR | 9.250% | — | Standard | | **Used (2026 and older)** other | — APR | 10.700% | — | Standard | MY Community Credit Union mortgage rates as of November 12, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Kasasa Saver* (All balances if qualifications not met)** savings | — APY | 0.06% | — | Standard | | **Kasasa Saver* ($25,000.01+)** savings | — APY | 0.85% | — | Standard | | **Kasasa Saver* ($0 - $25,000)** savings | — APY | 0.85% | — | Standard | | **6 Month 12 Month 15 Month 18 Month 24 Month 36 Month 48 Month 60 Month** cd_6mo | — APY | 3.69% | 6 mo | Standard | | **Regular Certificate 6 Month 12 Month 15 Month 18 Month 24 Month 36 Month 48 Month 60 Month** cd_6mo | — APY | 3.78% | 6 mo | Standard | | **IRA Certificate 6 Month 12 Month 24 Month 36 Month 48 Month 60 Month** ira_cd_6mo | — APY | 3.78% | 6 mo | Standard | | **Kasasa Cash* ($0 - $25,000)** savings | — APY | 5.00% | — | Standard | | **Kasasa Cash* ($25,000.01+)** savings | — APY | 5.00% | — | Standard | MY Community Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, MY Community Credit Union offers mortgage rates from 5.74% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/my-community) , verified from [MY Community Credit Union's official website](https://www.mccu.coop/) Loading branch locator… ## About MY Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 44K Assets $559.3M Founded 1952 Locations reported 7 NCUA charter 68682 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 education - Bilingual services - Student scholarships 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. [**Midland Municipal Employees** Midland Municipal Employees Credit Union · Midland · TX · 79701-4725 About 0.6 miles away](https://rateapi.dev/credit-unions/texas/midland-municipal-employees) [**Citizens** Wall Street · Midland · TX · 79701 About 0.9 miles away](https://rateapi.dev/credit-unions/texas/citizens) [**Complex Community** SOUTH MIDLAND · Midland · TX · 79701 About 1.3 miles away](https://rateapi.dev/credit-unions/texas/complex-community) [**MTCU** MTCU Big Spring Street Branch · Midland · TX · 79705-5313 About 2.4 miles away](https://rateapi.dev/credit-unions/texas/mtcu) [**Texas Tech** Midland Mortgage · Midland · TX · 79705 About 2.5 miles away](https://rateapi.dev/credit-unions/texas/texas-tech) [**First Basin** First Basin Credit Union · Midland · TX · 79707 About 3.9 miles away](https://rateapi.dev/credit-unions/texas/first-basin) 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 MY Community Credit Union Membership eligibility from MY Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on MY Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location midland, collin — TX Verified from [MY Community Credit Union's membership page](https://www.mccu.coop/about-connect/about-my-community-cu.html) . Final membership determination is always made by the credit union. ## Membership rules for MY Community Credit Union Geography 2 counties · Family 9 published paths to membership, last verified August 27, 2026, quoted from MY Community Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Collin County, TX - Midland County, TX “On May 22, 2000, the credit union expanded again by changing our name to Midland Community Federal Credit Union and opening our membership base for all who live, work, worship or attend school in Midland County, Texas.” > [source ↗](https://www.mccu.coop/about-connect/about-my-community-cu.html) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member immediate family members “Membership is open to anyone (and their immediate family members) who lives, works, worships or attends school in Collin, Ector or Midland County.” > [source ↗](https://www.mccu.coop/about-connect/become-a-member.html) - Family member (immediate family members) 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 MY Community Credit Union? Yes No ## Work at MY Community 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 MY Community Credit Union ranks against Texas peers. - See which AI assistants fetched MY Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=my-community&state=texas&code=TX&name=MY%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does MY Community Credit Union offer? MY Community Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are MY Community Credit Union rates updated? RateAPI verifies MY Community 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 MY Community Credit Union's rate data? Rate data is collected directly from MY Community 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 MY Community Credit Union's mortgage rate? As of November 12, 2026, MY Community Credit Union offers mortgage rates from 5.74% APR. ### Who can join MY Community Credit Union? MY Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 2 counties for MY Community Credit Union, each quoted from MY Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare MY Community Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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.mccu.coop/) ### 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 MY Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas 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 MY Community Credit Union curl "https://api.rateapi.dev/credit-unions/texas /my-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## MY Community Credit Union locations Search, filter, and browse all 7 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/texas/my-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp