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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
MADISON COUNTY Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 20, 2026
MADISON COUNTY's 6 MONTH CD rates are at 2.53%, 12 MONTH CD rates are at 2.02%, 18 MONTH CD rates are at 1.51%, 24 MONTH CD rates are at 1.21%, 30 MONTH CD rates are at 1.21%. MonitorBankRates evaluates the financial stability of MADISON COUNTY with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.87%. Rates were last updated on 03/20/2026. MADISON COUNTY money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at MADISON COUNTY? Share your experience about MADISON COUNTY by leaving a review below, or read customer reviews before you decide to use MADISON COUNTY. Bank of Zachary
Madison County Federal Credit Union 621 E 8th St
http://www.madcofcu.org Anderson, IN 46012 4018 
MADISON COUNTY CD Rates
MADISON COUNTY Savings Rates
MADISON COUNTY Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for MADISON COUNTY is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather MADISON COUNTY rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with MADISON COUNTY's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
MADISON COUNTY
Website
http://www.madcofcu.org
Address
621 E 8th St,
Anderson, IN 46012 4018
Phone
765-644-3623
Fax
765-641-2346
President
Alan Esche
CEO
David Dodd
Full-Time Employees
31
Part-Time Employees
8
Branch Locations
4
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.87%
Return on Assets (ROA)
0.7804%
Return on Equity (ROE)
7.2647%
Non-Performing Loans Ratio (NPL)
1.40%
Total Assets
113,310,567
Total Amount of Shares and Deposits
100,976,771
Total Shares and Deposits < 1 Year
100,688,563
Total Shares and Deposits 1 3 Years
261,840
Total Shares and Deposits > 3 Years
26,367
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,500,718
Total Uninsured Shares and Deposits > $250K (F+J)
3,500,718
Total Insured Shares and Deposits > $250K (item 17 less item K)
97,476,053
Total Interest Expense (Sum of items 6 8)
223,406
Share Certificates
279
Number of Accounts for Share Drafts
5,961
Number of Accounts for Regular Shares
13,148
All other shares
430
Net Income (unless the amount is already included in Undivided Earnings)
884,200
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,448,753
Total Liabilities
101,585,370
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About MADISON COUNTYIs MADISON COUNTY a safe place to deposit money?Yes, MADISON COUNTY is considered a safe financial institution. With a Texas Ratio of 7.8654749312773%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does MADISON COUNTY operate?MADISON COUNTY currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join MADISON COUNTY?Yes, to access services at MADISON COUNTY, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, MADISON COUNTY does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, MADISON COUNTY provides members with tools to manage their accounts and build a solid financial history. Does MADISON COUNTY offer online and mobile banking?Most modern institutions like MADISON COUNTY provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.madcofcu.org. Current MADISON COUNTY Rates
Retrieved from our database of financial products. Rates subject to change.
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