|
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.
 Midwest Members Credit Union Rates & Review October 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 and Verified: October 19, 2026
Midwest Members Credit Union's CD Specials - 27 Month rates are at 4.15%, CD Specials - 17 Month rates are at 4.10%, CD Specials - 11 Month rates are at 4.05%, CD Specials - 7 Month rates are at 4.00%, IRA CDs - 60 Month rates are at 2.17%. Midwest Members Credit Union's savings rates are at 0.05%. Midwest Members Credit Union's money market rates are at 2.02%. Midwest Members Credit Union's Personal Loan Rates are as low as 10.90%. MonitorBankRates evaluates the financial stability of Midwest Members Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.23%. Rates last updated and verified on 10/19/2026. Midwest 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 Midwest Members Credit Union? Share your experience about Midwest Members Credit Union by leaving a review below, or read customer reviews before you decide to use Midwest Members Credit Union. Midwest Members Credit Union
Wood River Office 101 Wesley Dr.
https://www.midmembers.org Wood River, IL 62095  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. Midwest Members Credit Union CD Rates
Midwest Members Credit Union Savings Rates
Midwest Members Credit Union Money Market Rates
Midwest Members Credit Union Home Equity & HELOC
Midwest Members Credit Union Auto Loan Rates
Midwest Members Credit Union RV, Boat and Powersport Loan Rates
Midwest Members Credit Union Personal Loan Rates
Financial Health HistoryMidwest Members Credit Union’s Texas Ratio stayed near 2.25% in Q3 2023 to 2.23% in Q2 2026, so its financial health has stayed very strong 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
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Midwest 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 Midwest 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 Midwest Members Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Midwest Members Credit Union
Website
https://www.midmembers.org
Address
101 Wesley Dr.,
Wood River, IL 62095
Phone
618-254-0605
Fax
618-254-9219
President
Gerard Jacquin
CEO
Louis Bicanic
Full-Time Employees
51
Part-Time Employees
2
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.23%
Return on Assets (ROA)
0.8285%
Return on Equity (ROE)
6.1020%
Non-Performing Loans Ratio (NPL)
0.44%
Total Assets
226,640,774
Total Amount of Shares and Deposits
195,530,863
Total Shares and Deposits < 1 Year
191,485,909
Total Shares and Deposits 1 3 Years
3,958,405
Total Shares and Deposits > 3 Years
86,549
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,068,705
Total Uninsured Shares and Deposits > $250K (F+J)
7,068,705
Total Insured Shares and Deposits > $250K (item 17 less item K)
188,462,158
Total Interest Expense (Sum of items 6 8)
1,047,428
Share Certificates
1,092
Number of Accounts for Share Drafts
10,824
IRA KEOGH Accounts
116
Number of Accounts for Regular Shares
18,911
All other shares
2,043
Money Market Shares
555
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)
42,200,377
Total Liabilities
196,988,129
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Midwest Members Credit Union 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.
Add Your Rating and Review for Midwest Members Credit Union
Frequently Asked Questions About Midwest Members Credit UnionDoes Midwest Members Credit Union offer CDs?Yes. Midwest Members Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Midwest Members Credit Union NCUA insured?Yes. Midwest Members Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Midwest Members Credit Union?The highest CD rate MonitorBankRates has verified for Midwest Members Credit Union is 4.15% APY on its CD Specials - 27 Month, as of October 19, 2026. What CD terms does Midwest Members Credit Union offer?The Midwest Members Credit Union CD terms we track include 7 month, 11 month, 12 month, 17 month, 18 month, 2 year, 27 month and 5 year terms, with rates from 2.17% to 4.15% APY. The institution may offer other terms or specials that are not listed here, so check with Midwest Members Credit Union for its full lineup. What is the highest savings rate at Midwest Members Credit Union?The highest savings rate MonitorBankRates has verified for Midwest Members Credit Union is 0.05% APY on its IRA Savings, as of October 19, 2026. What is the highest money market rate at Midwest Members Credit Union?The highest money market rate MonitorBankRates has verified for Midwest Members Credit Union is 2.02% APY on its Money Market Plus, as of October 19, 2026. What is the lowest auto loan rate at Midwest Members Credit Union?The lowest auto loan rate MonitorBankRates has verified for Midwest Members Credit Union is 4.99% APR on its New Used Auto Loan, as of October 19, 2026. What is the lowest personal loan rate at Midwest Members Credit Union?The lowest personal loan rate MonitorBankRates has verified for Midwest Members Credit Union is 10.90% APR on its Signature Line of Credit, as of October 19, 2026. How many branches does Midwest Members Credit Union operate?Midwest 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 Midwest Members Credit Union?Yes, to access services at Midwest 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, Midwest 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, Midwest Members Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Midwest Members Credit Union offer online and mobile banking?Most modern institutions like Midwest 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://www.midmembers.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Midwest Members Credit Union rates compare?Midwest Members Credit Union's top rates are 4.15% APY on its CD Specials - 27 Month, 0.05% APY on savings, 2.02% APY on money market and personal loans from 10.90% APR, verified by MonitorBankRates on October 19, 2026. To compare Midwest Members Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best personal loan rates, updated daily from banks and credit unions across the country. Current Midwest Members Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Members Choice Credit Union Greenville, OH
Outreach Federal Credit Union
Pacific Horizon Credit Union
North Penn Federal Credit Union
CINCINNATI OHIO POLICE
Greeneville Works Employees Savings Association Credit Union
Central Jersey Federal Credit Union
Centris Federal Credit Union
Leominster Employees Federal Credit Union
Worcester Fire Dept Credit Union
Erie Lackawanna Railroad Company Employees Federal Credit Union
Laredo Federal Credit Union
Michigan Legacy Credit Union
Unified Homeowners of Illinois Federal Credit Union
3rd District Highway Federal Credit Union
Cal-Com Federal Credit Union
Texas Gulf Carolina Employees Credit Union
WTNM Atlantic Federal Credit Union
My Credit Union
Lafayette Federal Credit Union
PPG and Associates Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
