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Diversified Members Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 13, 2026
Diversified Members Credit Union's top rates as of October 13, 2026 are 5.15% APY on its 12 Month Legacy CD, 0.35% APY on savings, 2.95% APY on money market accounts, 7.00% APY on checking, personal loans from 10.99% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Diversified Members Credit Union CD rates include 24 Month CDs Of Deposit-Regular & IRA at 3.60%, CDs of Deposit - 24 month at 3.60%, and 12 Month CDs Of Deposit-Regular & IRA at 3.50%. MonitorBankRates evaluates the financial stability of Diversified Members Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.06%. Rates last updated and verified on 10/13/2026.
Diversified Members 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 Diversified Members Credit Union? Share your experience about Diversified Members Credit Union by leaving a review below, or read customer reviews before you decide to use Diversified Members Credit Union.
Diversified Members Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Diversified Members Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
5.06%
ExcellentLower than avg
Diversified Members Credit Union Texas Ratio
Diversified Members Credit Union's Texas Ratio is 5.06%, which is considered excellent and is lower than the national average of 6.13%.
Diversified Members Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.18% to 5.06% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Diversified Members Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month Legacy CD
-
5.15%
12 Months
Min Deposit$5,000
Min Balance$5,000
DetailsLegacy CD: for those opening an account after a member passes away; funds must have been on deposit at DMCU at the time of death; two withdrawals without penalty, penalty on the third withdrawal and account closes; $5,000 minimum, $1,000,000 maximum deposit
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 5.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
24 Month Certificates Of Deposit-Regular & IRA
3.55%
3.60%
24 Months
Min Balance$200
DetailsDividend Rate 3.55%; APY 3.60%; Early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Certificates of Deposit - 24 month
3.55%
3.60%
24 Months
Min Balance$200
DetailsRegular & IRA; APY* footnote: early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 3.60% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
12 Month Certificates Of Deposit-Regular & IRA
3.45%
3.50%
12 Months
Min Balance$200
DetailsDividend Rate 3.45%; APY 3.50%; Early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Certificates of Deposit - 12 month
3.45%
3.50%
12 Months
Min Balance$200
DetailsRegular & IRA; APY* footnote: early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
6 Month Certificates Of Deposit-Regular & IRA
3.37%
3.40%
6 Month
Min Balance$200
DetailsDividend Rate 3.37%; APY 3.40%; Early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Certificates of Deposit - 6 Month
3.37%
3.40%
6 Month
Min Balance$200
DetailsRegular & IRA; APY* footnote: early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 3.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
12 Month Certificates Of Deposit-Regular & IRA - Save to Win
2.97%
3.00%
12 Months
Min Balance$25
DetailsSave to Win; Dividend Rate 2.97%; APY 3.00%; Early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
12 Month Save To Win Certificate
-
3.00%
12 Months
Min Deposit$25
DetailsEvery $25 deposit earns one prize entry; add money anytime; early withdrawal penalties apply
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
48 Month Certificates Of Deposit-Regular & IRA
2.97%
3.00%
48 Months
Min Balance$200
DetailsDividend Rate 2.97%; APY 3.00%; Early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
60 Month Certificates Of Deposit-Regular & IRA
2.97%
3.00%
60 Months
Min Balance$200
DetailsDividend Rate 2.97%; APY 3.00%; Early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Certificates of Deposit - 12 month Save to Win
2.97%
3.00%
12 Months
Min Balance$25
DetailsSave to Win; Regular & IRA; APY* footnote: early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Certificates of Deposit - 48 month
2.97%
3.00%
48 Months
Min Balance$200
DetailsRegular & IRA; APY* footnote: early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Certificates of Deposit - 60 month
2.97%
3.00%
60 Months
Min Balance$200
DetailsRegular & IRA; APY* footnote: early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
36 Month Certificates Of Deposit-Regular & IRA
2.48%
2.50%
36 Months
Min Balance$200
DetailsDividend Rate 2.48%; APY 2.50%; Early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Certificates of Deposit - 36 month
2.48%
2.50%
36 Months
Min Balance$200
DetailsRegular & IRA; APY* footnote: early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Diversified Members Credit Union Savings Rates
Product
Rate
APY
View More
My Future Savings
0.35%
0.35%
Min Balance$100
DetailsDividend Paid: Quarterly
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Christmas Club
0.30%
0.30%
Min Balance$0
DetailsDividend Paid: November 1
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 0.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Vacation Club
0.30%
0.30%
Min Balance$0
DetailsDividend Paid: Annually
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 0.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Savings Shares
0.10%
0.10%
Min Balance$0
DetailsDividend Paid: Quarterly
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Sub Share Savings
0.10%
0.10%
Min Balance$5
DetailsDividend Paid: Quarterly
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Diversified Members Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
-
2.95%
Min Balance$1,000,000
DetailsBalance: $1,000,000 and over; $2,500 minimum average daily balance required to earn dividends
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.95% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Money Market
-
2.45%
Min Balance$500,000
DetailsBalance: $500,000 - $999,999; $2,500 minimum average daily balance required to earn dividends
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.45% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Money Market
-
1.95%
Min Balance$250,000
DetailsBalance: $250,000 - $499,999; $2,500 minimum average daily balance required to earn dividends
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.95% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Money Market
-
1.70%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999; $2,500 minimum average daily balance required to earn dividends
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Money Market
-
1.45%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999; $2,500 minimum average daily balance required to earn dividends
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.45% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Money Market
-
1.15%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999; $2,500 minimum average daily balance required to earn dividends
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Money Market
-
0.85%
Min Balance$2,500
DetailsBalance: $2,500 - $24,999; $2,500 minimum average daily balance required to earn dividends
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Diversified Members Credit Union Checking Rates
Product
Rate
APY
View More
High Yield Checking
-
7.00%
Min Balance$0
DetailsQualifications Required; Qualifying balance up to $7,500.00; Lower APY applies to balances of $7,500.01 or more; Lower base APY 0.05%
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 7.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
DMCU Checking
0.05%
0.05%
Min Balance$0
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Diversified Members Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan
-
-
5.75%
up to 180 months
DetailsTerm: terms up to 180 months; As Low As; Closed end/fixed rate; Loans from $10,000-$250,000; terms up to 180 months based on loan amount; $200 processing fee applies; rates may vary based on term, credit history, collateral, lien position and LTV; rates tied to market index (or prime rate); rates will not exceed 20% APR
Last Updated10/13/2026
Rate History
1 change since Sep 16, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50%
Sep 18, 20265.75%▲ from 5.50%
Sep 16, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Home Equity Line of Credit
-
-
6.25%
DetailsAs Low As; Open end/variable rate; Loans from $10,000-$250,000; 10-year draw period; $200 processing fee applies; rates may vary based on term, credit history, collateral, lien position and LTV; rates tied to market index (or prime rate); rates will not exceed 20% APR
Last Updated10/13/2026
Rate History
1 change since Sep 16, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00%
Sep 29, 20266.25%▲ from 6.00%
Sep 16, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Diversified Members Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New, Used Auto Loans
-
-
4.50%
36 months
DetailsAs Low As; Model Year: 2021 and newer
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
New, Used Auto Loans
-
-
4.74%
48 months
DetailsAs Low As; Model Year: 2021 and newer
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
New, Used Auto Loans
-
-
4.99%
60 months
DetailsAs Low As; Model Year: 2021 and newer
Last Updated10/13/2026
Rate History
1 change since Sep 16, 2026 · 4.00% → 4.99% ▲ 0.99 pts · high 4.99% / low 4.00%
Oct 13, 20264.99%▲ from 4.00%
Sep 16, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
New, Used Auto Loans
-
-
5.24%
75 months
DetailsAs Low As; Model Year: 2021 and newer
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
New, Used Auto Loans
-
-
5.99%
84 months
DetailsAs Low As; Model Year: 2021 and newer; New Untitled Vehicles Only
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Diversified Members Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motor Homes & Travel Trailers - 2016 or newer Loan
-
5.99%
Up to 60 months
DetailsAs Low As; Model Year: 2016 or newer
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Boat Loan
-
6.74%
Up to 84 months
DetailsAs Low As; Model Year: 2016 or newer
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Motor Homes & Travel Trailers - 2016 or newer Loan
-
6.75%
Up to 180 months
DetailsAs Low As; Model Year: 2016 or newer; Minimum Balance: $50,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Motor Homes & Travel Trailers - 2016 or newer Loan
-
6.75%
Up to 120 months
DetailsAs Low As; Model Year: 2016 or newer
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Boat Loan
-
7.25%
Up to 120 months
DetailsAs Low As; Model Year: 2016 or newer
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Boat Loan
-
7.25%
Up to 180 months
DetailsAs Low As; Model Year: 2016 or newer; Minimum purchase amount of $50,000 required for terms of 121-180 months
Motor Homes & Travel Trailers - 2015 or older Loan
-
7.99%
Up to 60 months
DetailsAs Low As; Model Year: 2015 or older
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Boat Loan
-
8.74%
Up to 84 months
DetailsAs Low As; Model Year: 2015 or older
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Motor Homes & Travel Trailers - 2015 or older Loan
-
8.75%
Up to 180 months
DetailsAs Low As; Model Year: 2015 or older; Minimum Balance: $50,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Motor Homes & Travel Trailers - 2015 or older Loan
-
8.75%
Up to 120 months
DetailsAs Low As; Model Year: 2015 or older
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Boat Loan
-
9.25%
Up to 120 months
DetailsAs Low As; Model Year: 2015 or older
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 9.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Boat Loan
-
9.25%
Up to 180 months
DetailsAs Low As; Model Year: 2015 or older; Minimum purchase amount of $50,000 required for terms of 121-180 months
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 9.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Diversified Members Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Credit Card
-
9.90%
DetailsAs Low As; Credit card rates start as low as 9.90% APR. Click here to view our rates and disclosures.
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 9.90% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Diversified Members Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured Closed End Loan
10.99%
DetailsAs Low As; Our loan rates start as low as 10.99% APR. Contact a Member Service Representative at 313.568.5000 for more information.
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 10.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Diversified Members Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Revolving Credit Loan
-
-
10.99%
Up to 48 months
DetailsAs Low As; APR as low as* 10.99%; Maximum Term: Up to 48 months; Advertised rate is the lowest rate available; rates may vary depending on credit qualifications, direct deposit and auto pay from a DMCU checking or savings account
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 10.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Rollover Traditional IRA
0.45%
-
0.45%
Min Balance$50
DetailsDividend paid quarterly
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.45% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.06%
Financial Health History
Diversified Members Credit Union’s Texas Ratio rose from 4.18% in Q3 2023 to 5.06% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$589M
5.06%
5.0
A+
March 31, 2026
$595M
4.56%
5.0
A+
December 31, 2025
$581M
5.55%
5.0
A+
September 30, 2025
$571M
5.38%
5.0
A+
June 30, 2025
$556M
3.81%
5.0
A+
March 31, 2025
$526M
3.26%
5.0
A+
December 31, 2024
$498M
3.83%
5.0
A+
September 30, 2024
$485M
3.23%
5.0
A+
June 30, 2024
$485M
3.37%
5.0
A+
March 31, 2024
$482M
3.55%
5.0
A+
December 31, 2023
$481M
4.21%
5.0
A+
September 30, 2023
$479M
4.18%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Diversified Members 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 Diversified Members 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 Diversified Members Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
84,083,059
Total Uninsured Shares and Deposits > $250K (F+J)
84,083,059
Total Insured Shares and Deposits > $250K (item 17 less item K)
371,493,903
Total Interest Expense (Sum of items 6 8)
5,442,242
Share Certificates
4,379
Number of Accounts for Share Drafts
17,256
IRA KEOGH Accounts
1,192
Number of Accounts for Regular Shares
38,325
All other shares
15
Non Member Deposits
11
Money Market Shares
814
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
36,128,476
Total Liabilities
502,031,178
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Diversified Members Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
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Learn more about the MBR Health & Safety Badge program on our methodology page.
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Total Reviews
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Frequently Asked Questions About Diversified Members Credit Union
How many branches does Diversified Members Credit Union operate?
Diversified Members 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 Diversified Members Credit Union?
Yes, to access services at Diversified Members 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, Diversified Members 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, Diversified Members Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Diversified Members Credit Union offer online and mobile banking?
Most modern institutions like Diversified Members 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://dmcu.com.
Current Diversified Members Credit Union Rates
12-Month CD3.00%
24-Month CD3.60%
60-Month CD3.00%
Savings0.35%
MMA2.95%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
