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Members Heritage Credit Union

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Members Heritage Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Members Heritage Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Members Heritage Credit Union's 182 Day CD rates are at 3.95%. MonitorBankRates evaluates the financial stability of Members Heritage Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.77%. Rates last updated and verified on 08/28/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.77%

Excellent Lower than avg

Members Heritage Credit Union
Park Place

440 Park Pl
Lexington, KY 40511 1829

https://www.membersheritage.org

Members Heritage Credit Union CD Rates

Product	Rate	APY	Term	View More
182 Day Share Certificate	-	3.95%	182 Day
Min Balance $500 Details Limited Time Offer. Rates subject to change. Dividends calculated daily and paid monthly. Fixed interest rate and maturity date. Early withdrawal will result in penalty. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

Members Heritage Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	6.75%	-	6.75%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

Members Heritage Credit Union Credit Card Rates

Product	Rate	APR
VISA - Set Rate	-	9.75%
Details Best for borrowers who want predictability Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
VISA - Variable Rate	-	11.75%
Details Best for borrowers who want to take advantage of low interest rates Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Members Heritage 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 Members Heritage 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 Members Heritage Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Members Heritage Credit Union

Website https://www.membersheritage.org

Address 440 Park Pl, Lexington, KY 40511 1829

Phone 859-259-3466

Fax 859-455-7281

President Mike Proctor

CEO Pat Ferry

Full-Time Employees 89

Part-Time Employees 2

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.77%

Return on Assets (ROA)

0.6497%

Return on Equity (ROE)

5.1402%

Non-Performing Loans Ratio (NPL)

0.36%

Total Assets

558,500,664

Total Amount of Shares and Deposits

485,087,362

Total Shares and Deposits < 1 Year

467,022,420

Total Shares and Deposits 1 3 Years

5,485,558

Total Shares and Deposits > 3 Years

12,579,384

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

28,734,482

Total Uninsured Shares and Deposits > $250K (F+J)

28,734,482

Total Insured Shares and Deposits > $250K (item 17 less item K)

456,352,880

Total Interest Expense (Sum of items 6 8)

6,237,176

Share Certificates

3,578

Number of Accounts for Share Drafts

21,406

IRA KEOGH Accounts

1,463

Number of Accounts for Regular Shares

45,439

Money Market Shares

1,669

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)

128,542,730

Total Liabilities

488,619,322

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Members Heritage Credit Union

How many branches does Members Heritage Credit Union operate?

Members Heritage 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 Members Heritage Credit Union?

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

Does Members Heritage Credit Union offer online and mobile banking?

Most modern institutions like Members Heritage 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.membersheritage.org.