Members Cooperative

215 N 40TH AVE W, Duluth, MN 55807

NCUA Insured3.3 (86 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1936

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

Membership Eligibility

Anyone who lives, works, or worships in or around Duluth, MN may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1936

Low-Income Designated

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

215 N 40TH AVE W

Duluth, MN 55807

Google Maps 🗺Waze

(218) 625-8500

Service Area

This credit union is located in Duluth and serves members in the MN area. Currently serving 58,973 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

5.54%

Used Auto Loan

9.79%

Personal Loan

17.75%

Credit Card APR

13.75%

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 MN

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

Mayo Employees— New Auto Loan

Rochester, MN

1.99%

Crow Wing Power— Used Auto Loan

Brainerd, MN

4.29%

Pipefitters-Steamfitters— Personal Loan

Woodbury, MN

7.75%

Greater Community— Credit Card APR

Dawson, MN

6.90%

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

Branches & Locations(12 total)

Member Reviews

3.3

86 Google reviews

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

View on Google Maps

ROBERT J.V. CAVANAUGH

7 months ago

Anne Hjelle was such a Wonderful Person and so helpful… she came right out to greet me from her desk while I was waiting in line for a teller… So helpful she had my banking needs quickly and kindly accomplished with a smile. What a great experience I had today here! Thank you.

Cloud Star

7 months ago

I applied for a personal loan, and Michelle Smutka was my loan specialist. I've been banking with MCCU for over 2 years now, trusting ya'll with my money. When I checked my credit report it was 704 fico score. She told me it was 634 and I have no clue where they got that from. I could go on and on, but I sent her two emails and she never even replied back. Poor communication on her part. I will be looking for a new credit union to go through and handle my money.

Bee Dizzle

3 months ago

As long as Corey Stenson, Tammy Hoveland and Lori in financial health are employed with members cooperative you have my business. Should probably consider giving all 3 a big fat raise.

Ashley Mattson

7 months ago

The banker was exceptional in her work! She made us feel comfortable and heard and knew what she was talking about. By the end of our meeting, it felt like we made a friend