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Members Advantage

3064 S. OHIO STREET, Michigan City, IN 46360
NCUA Insured2.6 (33 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1962

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

3064 S. OHIO STREET

Michigan City, IN 46360

Service Area

This credit union is located in Michigan City and serves members in the IN area. Currently serving 7,821 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.85%

Used Auto Loan

6.85%

Personal Loan

14.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IN

Lowest rates currently reported by credit unions in IN (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

2.6

33 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
John Oltz

John Oltz

7 months ago

To the sweet helpful lady Gaby at the location on Ohio thank you for your help and kindness. Just never know how someone's day is going and it's nice to have a good interaction with another person. I'm sure you work hard. GIVE THIS LADY A RAISE!! 🙏❤️ 0

Tyler Long

Tyler Long

12 months ago

Been with them for over 20 years now. Had personal loans, auto loans, multiple accounts, and credit cards. They have always been great to their customers and did everything they could to help. Love this credit union!

Amber Murphy

Amber Murphy

a year ago

if I could give less of a star I would. please save yourself the headache and the stress of banking here. it has been the worst year and a half for me. Everytime I use my card I never know if they put a “block” on it and it gets declined. everytime I make a payment over a certain amount (small amount let me add) it gets declined for “fraud”. When I call they direct me to a different number. That # transfers me back and so on. it’s an absolute nightmare. I’m absolutely done with them

Tammi Roberts

Tammi Roberts

a year ago

I have been a member of TCU for over 25 years. Car loans, home loan, personal loan and used lots of there services. But when they switched to everwise we have nothing but problems I love the security on the debit card however it makes it hard when it won't let u get groceries. Now the branch told me to run the card for credit and that takes care of it in 80%. But they have stopped out account being hacked 3 times so it's not such bad thing just frustrated. Had several savings bonds to cash had my n my husband's ss# on them the TCU in Warsaw would not cash them not sure they knew how gave me lots of excuses. I took my son 3 weeks ago to open his first savings n checking account. We were promised $50 a piece for my referral n his being a new account. Have went in twice told it was fixed but it's not. I hope it's just not them working the kinks out as they have a lot of perks we use n like. I just check online banking a lot. Also we have never had our account hacked but had it happen 3 times in two months after they changed I hope it gets better

Shannon Swisher

Shannon Swisher

2 years ago

I usually prefer a credit union over a bank, but not in this case. When I first joined I was treated excellent, over the past year customer service has gone to the wayside, staff is constantly changing, and is obvious that they don't care about their members. I left yesterday because of their dispute policies on charges to accounts. They have literally taken hundreds from me, I've had my account breached 3 times, and when closing my account they wouldn't even give me cash, it was a cashier check that I have to pay to cash! If you have an account, watch it closely. The overdraft policy is insane and they will dig you a hole that you cannot recover from. Before there's a comment about managing my money when you have incidents where a outside source takes money that they shouldn't, or the credit union confuses you account with another members account and causes an overdraft... they will not make good on refunding the overdraft fees.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).