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 My Community Credit Union Rates & Review April 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.
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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: April 13, 2026
My Community Credit Union's IRA CD 12 Month rates are at 3.85%, IRA CD 6 Month rates are at 3.85%, Regular CD 12 Month rates are at 3.85%, Regular CD 15 Month rates are at 3.85%, Regular CD 6 Month rates are at 3.85%. My Community Credit Union's savings rates are at 0.10%. My Community Credit Union's money market rates are at 0.15%. My Community Credit Union's Personal Loan Rates are at 12.49%. MonitorBankRates evaluates the financial stability of My Community Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.16%. Rates were last updated on 04/13/2026. My Community Credit Union 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 My Community Credit Union? Share your experience about My Community Credit Union by leaving a review below, or read customer reviews before you decide to use My Community Credit Union. My Community Credit Union
Main Office 600 W Louisiana Ave
https://www.mccu.coop/ Midland, TX 79701 1610 
My Community Credit Union CD Rates
My Community Credit Union Savings Rates
My Community Credit Union Money Market Rates
My Community Credit Union Checking Rates
My Community Credit Union Auto Loan Rates
My Community Credit Union Credit Card Rates
My Community Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for My Community Credit Union 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 My Community Credit Union 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 My Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
My Community Credit Union
Website
https://www.mccu.coop/
Address
600 W Louisiana Ave,
Midland, TX 79701 1610
Phone
432-688-8400
Fax
President
Teresa DeShaw
CEO
Donna Neal
Full-Time Employees
119
Part-Time Employees
5
Branch Locations
7
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.16%
Return on Assets (ROA)
0.6164%
Return on Equity (ROE)
5.8324%
Non-Performing Loans Ratio (NPL)
1.34%
Total Assets
538,098,789
Total Amount of Shares and Deposits
476,529,657
Total Shares and Deposits < 1 Year
414,296,100
Total Shares and Deposits 1 3 Years
48,940,416
Total Shares and Deposits > 3 Years
13,293,139
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
52,432,551
Total Uninsured Shares and Deposits > $250K (F+J)
52,432,551
Total Insured Shares and Deposits > $250K (item 17 less item K)
424,097,106
Total Interest Expense (Sum of items 6 8)
4,629,958
Share Certificates
1,546
Number of Accounts for Share Drafts
27,100
IRA KEOGH Accounts
598
Number of Accounts for Regular Shares
52,448
Non Member Deposits
67
Money Market Shares
300
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
56,393,646
Total Liabilities
483,509,801
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About My Community Credit UnionIs My Community Credit Union a safe place to deposit money?Yes, My Community Credit Union is considered a safe financial institution. With a Texas Ratio of 10.160223418483%, 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 My Community Credit Union operate?My Community Credit Union 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 My Community Credit Union?Yes, to access services at My Community Credit Union, 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, My Community Credit Union 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, My Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does My Community Credit Union offer online and mobile banking?Most modern institutions like My Community Credit Union 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: https://www.mccu.coop/. Current My Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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