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Rooting For You

Every step of the way

Supporting your financial journey.

Today's rates

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As high as 4.85 % APY

IRA Certificates4,5

As high as 4.50 % APY

Boosted Savings5

As high as 2.00 % APY
Savings Accounts


For a rainy day, retirement, future purchase, or fun, our savings accounts are designed for your life.

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Checking Accounts


Keep it simple and rewarding, with a checking account. Enjoy easy-to-use digital tools to keep track of your finances on the go.

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Borrow Better


Whether you want to buy a home, vehicle, solar panels, or anything else, we have your back with competitive loan options that fit your life.

Loans v2

Members tell us they feel like they're treated like family and appreciate their interactions with employees.

— 2022 Avtex Findings Report

Community pride, community impact


We support 300+ community charities, causes, and special events


We've been your neighbor for over 85 years


In 2023, our team members have volunteered 2,000+ hours in our communities

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Open an account


1 To be eligible for this promotion the primary applicant must (1) not have been an owner of a Members EcoChoice or Checking account within the 12-month period prior to application; (2) be in good standing if currently a member; (3) be at least 18 years old; and (4) provide the bonus code at the time of account opening. To receive the bonus, within 60 days of account opening the new account must have direct deposits totaling $500 or more and one debit card purchase. The bonus will be deposited into the recipient’s Share Savings account within 30 days once all requirements are met. This is a limited-time promotion and may be modified or terminated without notice at the credit union’s discretion. Additional restrictions and eligibility requirements apply.

2 Mortgage Rate Relief is offered in partnership with the Federal Home Loan Bank of Des Moines. Qualified applicants will receive an approximate 2% interest rate reduction below the current market rate. This interest rate reduction only applies to 30-year fixed-rate mortgage loans. Mortgage Rate Relief may be used to purchase or refinance a borrower’s primary residence and must be a 1-4 single-family unit property. The Mortgage Rate Relief product is available to home buyers or existing homeowners earning up to 80% of area median income (AMI), determined by the Federal Housing Finance Agency’s Underserved Areas Data. All owner/occupant’s income must be considered when determining eligibility for this interest rate reduction product. This includes any income that is used to qualify for the mortgage loan. An example of a typical loan with a 20% down payment: Annual Percentage Rate (APR) of 5.374% for 360 months with monthly payments of $4.36 per $1,000. APR referenced in the example is the lowest rate available as of 6/5/2024 and may vary based on loan amount, borrower credit, loan to value, property type, occupancy, etc. Terms and rates may change at any time.

3 To be eligible, the loan must be approved and funded by August 31, 2024. Refinance of an existing Members loan will not be eligible for this promotion. At Members’ discretion, this promotion may be discontinued at any time without notice. Rates are dependent on credit history, down payment, collateral, loan amount and term length.

4 $1,000 minimum balance. A penalty will be imposed for early withdrawal.

5 APY is the Annual Percentage Yield. The stated APY is effective as of July 12, 2024. The APY is variable and may change at any time. For certificates, the APY assumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings.

Membership and loan approval required. Restrictions apply and products are subject to account requirements.

Members Cooperative Credit Union lends to Minnesota and Wisconsin residents only and property used as loan collateral must be within the states of Minnesota and Wisconsin.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.

Video Banking