MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
  1. Home›
  2. Credit Unions›
  3. Members Choice Credit Union Ashland, KY
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.

Members Choice Credit Union Ashland, KY Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
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.
Read Full Bio →
| iEditorial Disclosure
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

Members Choice Credit Union Ashland, KY's top rates as of October 13, 2026 are 3.41% APY on its 60 Month Share and IRA CDs, 0.50% APY on savings, 1.51% APY on money market accounts, personal loans from 12.24% APR, and credit cards from 10.00% APR, according to rates verified by MonitorBankRates. Other Members Choice Credit Union Ashland, KY CD rates include 48 Month Share and IRA CDs at 3.30%, 36 Month Share and IRA CDs at 3.20%, and 24 Month Share and IRA CDs at 3.05%. MonitorBankRates evaluates the financial stability of Members Choice Credit Union Ashland, KY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.97%. Rates last updated and verified on 10/13/2026.

Members Choice Credit Union Ashland, KY 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 Members Choice Credit Union Ashland, KY? Share your experience about Members Choice Credit Union Ashland, KY by leaving a review below, or read customer reviews before you decide to use Members Choice Credit Union Ashland, KY.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.97%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
Members Choice Credit Union Ashland, KY
RUSSELL ROAD OFFICE
145 RUSSELL RD
ASHLAND, KY 41101
https://www.mccu.net
Member NCUA
Customer Reviews
Be the first to review
Write a Review
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.

Members Choice Credit Union Ashland, KY CD Rates

Product Rate APY Term View More
60 Month Share and IRA Certificates 3.35% 3.41% 60 Month
Min Deposit $1,000
Min Balance $1,000
Details Compounds: Daily; Dividends Paid: Monthly; Rates fixed for the term; Penalty for withdrawal is 90 days of dividends
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Sep 14, 2026: 3.41% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
48 Month Share and IRA Certificates 3.25% 3.30% 48 Month
Min Deposit $1,000
Min Balance $1,000
Details Compounds: Daily; Dividends Paid: Monthly; Rates fixed for the term; Penalty for withdrawal is 90 days of dividends
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
36 Month Share and IRA Certificates 3.15% 3.20% 36 Month
Min Deposit $1,000
Min Balance $1,000
Details Compounds: Daily; Dividends Paid: Monthly; Rates fixed for the term; Penalty for withdrawal is 90 days of dividends
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
24 Month Share and IRA Certificates 3.00% 3.05% 24 Month
Min Deposit $1,000
Min Balance $1,000
Details Compounds: Daily; Dividends Paid: Monthly; Rates fixed for the term; Penalty for withdrawal is 90 days of dividends
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
30 Month Share and IRA Certificates 3.00% 3.05% 30 Month
Min Deposit $1,000
Min Balance $1,000
Details Compounds: Daily; Dividends Paid: Monthly; Rates fixed for the term; Penalty for withdrawal is 90 days of dividends
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
12 Month Share and IRA Certificates 2.85% 2.89% 12 Month
Min Deposit $1,000
Min Balance $1,000
Details Compounds: Daily; Dividends Paid: Monthly; Rates fixed for the term; Penalty for withdrawal is 90 days of dividends
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
18 Month Share and IRA Certificates 2.85% 2.89% 18 Month
Min Deposit $1,000
Min Balance $1,000
Details Compounds: Daily; Dividends Paid: Monthly; Rates fixed for the term; Penalty for withdrawal is 90 days of dividends
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
6 Month Share and IRA Certificates 2.75% 2.79% 6 Month
Min Deposit $1,000
Min Balance $1,000
Details Not Available for IRAs; Compounds: Daily; Dividends Paid: Monthly; Rates fixed for the term; Penalty for withdrawal is 90 days of dividends
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 2.79% APY
2.29%2.79%3.29%Oct 13, 2026: 2.79% APYOct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
9 Month Share and IRA Certificates 2.75% 2.79% 9 Month
Min Deposit $1,000
Min Balance $1,000
Details Not Available for IRAs; Compounds: Daily; Dividends Paid: Monthly; Rates fixed for the term; Penalty for withdrawal is 90 days of dividends
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 2.79% APY
2.29%2.79%3.29%Oct 13, 2026: 2.79% APYOct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
3 Month Share and IRA Certificates 0.70% 0.70% 3 Month
Min Deposit $1,000
Min Balance $1,000
Details Not Available for IRAs; Compounds: Daily; Dividends Paid: Monthly; Rates fixed for the term; Penalty for withdrawal is 90 days of dividends
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 0.70% APY
0.20%0.70%1.20%Oct 13, 2026: 0.70% APYOct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%

Members Choice Credit Union Ashland, KY Savings Rates

Product Rate APY View More
Share Savings 0.50% 0.50%
Min Balance $0
Details Compounds: Daily; Dividends Paid: Quarterly
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%

Members Choice Credit Union Ashland, KY Money Market Rates

Product Rate APY View More
Money Market 1.50% 1.51%
Min Balance $100,000
Details Balance: $100,000.01 and over; Compounds Daily; Dividends Paid Monthly
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Money Market 1.25% 1.26%
Min Balance $50,000
Details Balance: $50,000.01 to $100,000; Compounds Daily; Dividends Paid Monthly
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 7 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Money Market 1.00% 1.01%
Min Balance $500
Details Balance: $500 to $50,000; Compounds Daily; Dividends Paid Monthly
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 7 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Money Market 0.50% 0.50%
Min Balance $0
Details Balance: $.01 to $499.99; Compounds Daily; Dividends Paid Monthly
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%

Members Choice Credit Union Ashland, KY Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - HELOC - - 8.75% 240 Months
Details Variable rate (Max 18.00%); Term includes 10 year advance period then 10 year repayment period
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 8.75% APR
8.25%8.75%9.25%Oct 13, 2026: 8.75% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%

Members Choice Credit Union Ashland, KY Auto Loan Rates

Product Rate Points APR Term View More
New Autos (2026 and 2027 models) - - 5.49% Up to 84 Months
Details APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Used Autos (1-3 Years) - - 5.49% Up to 84 Months
Details APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Used Autos (4-7 Years) - - 5.49% Up to 72 Months
Details APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Used Autos (8-10 Years) - - 6.49% Up to 60 Months
Details APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Used Autos (10+ Years) - - 8.49% Up to 48 Months
Details APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 7 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%

Members Choice Credit Union Ashland, KY RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
4 Wheeler/Side-by-Side New/Used Loan - 7.24% Up to 60 Months
Details APR reflects AutoPay .25% deduction; rates fixed for the term; term is dependent on model, mileage, amount borrowed, and credit score
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 6 times
6.74%7.24%7.74%Sep 14, 2026: 7.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Boat New/Used Loan - 7.24% Up to 144 Months
Details APR reflects AutoPay .25% deduction; rates fixed for the term; term is dependent on model, mileage, amount borrowed, and credit score
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 6 times
6.74%7.24%7.74%Sep 14, 2026: 7.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Camper New/Used Loan - 7.24% Up to 144 Months
Details APR reflects AutoPay .25% deduction; rates fixed for the term; term is dependent on model, mileage, amount borrowed, and credit score
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 6 times
6.74%7.24%7.74%Sep 14, 2026: 7.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Motorcycle New/Used Loan - 7.24% Up to 60 Months
Details APR reflects AutoPay .25% deduction; rates fixed for the term; term is dependent on model, mileage, amount borrowed, and credit score
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 6 times
6.74%7.24%7.74%Sep 14, 2026: 7.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
RV New/Used Loan - 7.24% Up to 144 Months
Details APR reflects AutoPay .25% deduction; rates fixed for the term; term is dependent on model, mileage, amount borrowed, and credit score
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 6 times
6.74%7.24%7.74%Sep 14, 2026: 7.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%

Members Choice Credit Union Ashland, KY Credit Card Rates

Product Rate APR View More
VISA Credit Cards - 10.00%
Details Intro rate expires: 12 months; Introductory 10% APR** for 12 months; ALL NEW
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 10.00% APR
9.50%10.00%10.50%Oct 13, 2026: 10.00% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%

Members Choice Credit Union Ashland, KY Personal Loan Rates

Product APR Term View More
Signature Loans 12.24% Up to 60 Months
Details Loan Amount: $7,500 up to $25,000; APR reflects AutoPay .25% deduction
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 12.24% APR · checked 5 times
11.74%12.24%12.74%Sep 18, 2026: 12.24% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Signature Loans 12.24% Up to 48 Months
Details Loan Amount: $7,499.99 and below; APR reflects AutoPay .25% deduction
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 12.24% APR · checked 5 times
11.74%12.24%12.74%Sep 18, 2026: 12.24% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%

Members Choice Credit Union Ashland, KY Other Rates

Product Rate Points APY/APR Term View More
Mortgage Rates NMLS# 411945 - 10 Year Fixed - - 6.00% 120 Months
Details Fixed rate; APR shown is the Annual Percentage Rate
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 8 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Mortgage Rates NMLS# 411945 - 15 Year Fixed - - 5.75% 180 Months
Details Fixed rate; APR shown is the Annual Percentage Rate
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 8 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Mortgage Rates NMLS# 411945 - 20 Year Fixed - - 6.25% 240 Months
Details Fixed rate; APR shown is the Annual Percentage Rate
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 8 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
HSA 2.30% - 2.33%
Min Balance $500
Details Compounds: Daily; Dividends Paid: Quarterly
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.33% APY · checked 7 times
1.83%2.33%2.83%Sep 14, 2026: 2.33% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
IRA-Traditional or Roth 2.30% - 2.33%
Min Balance $500
Details Compounds: Daily; Dividends Paid: Quarterly
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.33% APY · checked 7 times
1.83%2.33%2.83%Sep 14, 2026: 2.33% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

Members Choice Credit Union Ashland, KY’s Texas Ratio rose from 2.62% in Q3 2023 to 5.97% 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; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 2.62% A+ Q3 2023 A+ Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A+ Q4 2025 A+ Q1 2026 5.97% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$431M5.97%5.0A+
March 31, 2026$426M4.80%5.0A+
December 31, 2025$422M5.80%5.0A+
September 30, 2025$411M7.04%5.0A
June 30, 2025$411M6.73%5.0A
March 31, 2025$404M8.03%5.0A
December 31, 2024$409M8.53%5.0A
September 30, 2024$405M9.69%5.0A
June 30, 2024$406M8.04%5.0A
March 31, 2024$404M7.04%5.0A
December 31, 2023$402M4.53%5.0A+
September 30, 2023$394M2.62%5.0A+
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 Members Choice Credit Union Ashland, KY 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 Members Choice Credit Union Ashland, KY 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 Members Choice Credit Union Ashland, KY's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Members Choice Credit Union Ashland, KY
Website https://www.mccu.net
Address 145 RUSSELL RD, ASHLAND, KY 41101
Phone 606-329-7876
Fax
President DON NEIKIRK
CEO Jason Suman
Full-Time Employees 77
Part-Time Employees 0
Branch Locations 7
ATM Locations 3
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.97%
Return on Assets (ROA)
0.3178%
Return on Equity (ROE)
3.7942%
Non-Performing Loans Ratio (NPL)
0.76%
Total Assets
430,780,359
Total Amount of Shares and Deposits
388,373,651
Total Shares and Deposits < 1 Year
341,111,359
Total Shares and Deposits 1 3 Years
43,083,518
Total Shares and Deposits > 3 Years
4,178,774
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
34,590,087
Total Uninsured Shares and Deposits > $250K (F+J)
34,590,087
Total Insured Shares and Deposits > $250K (item 17 less item K)
353,783,564
Total Interest Expense (Sum of items 6 8)
4,136,672
Share Certificates
2,379
Number of Accounts for Share Drafts
12,010
IRA KEOGH Accounts
1,174
Number of Accounts for Regular Shares
30,127
All other shares
146
Money Market Shares
1,150
Net Income (unless the amount is already included in Undivided Earnings)
1,368,940
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)
21,047,342
Total Liabilities
394,700,118
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Members Choice Credit Union Ashland, KY 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/members-choice-credit-union-rates-review-62026">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Members Choice Credit Union Ashland, KY yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Members Choice Credit Union Ashland, KY
Your Name:
Your Rating:

Frequently Asked Questions About Members Choice Credit Union Ashland, KY

How many branches does Members Choice Credit Union Ashland, KY operate?

Members Choice Credit Union Ashland, KY 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 Members Choice Credit Union Ashland, KY?

Yes, to access services at Members Choice Credit Union Ashland, KY, 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, Members Choice Credit Union Ashland, KY 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, Members Choice Credit Union Ashland, KY provides members with tools to manage their accounts and build a solid financial history.

Does Members Choice Credit Union Ashland, KY offer online and mobile banking?

Most modern institutions like Members Choice Credit Union Ashland, KY 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.net.

Current Members Choice Credit Union Ashland, KY Rates

  • 12-Month CD2.89%
  • 18-Month CD2.89%
  • 24-Month CD3.05%
  • 60-Month CD3.41%
  • Savings0.50%
  • MMA1.51%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Families And Schools Together Federal Credit Union Polam Federal Credit Union Forest Area Federal Credit Union Marshall Community Credit Union Watertown Municipal Credit Union JSC Federal Credit Union California Credit Union New South Credit Union Christian Family Credit Union Communication Federal Credit Union Nucor Employees Credit Union Archer Cooperative Credit Union Ottawa Hiway Credit Union Members Trust of the Southwest Federal Credit Union Quantum Credit Union Division #6 Highway Credit Union Pasadena Municipal Federal Credit Union Toledo Urban Federal Credit Union Franklin Trust Federal Credit Union Envista Federal Credit Union Columbia Community Credit Union