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Members

PO BOX 5297, Winston Salem, NC 27113
NCUA Insured4.7 (275 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1953

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

Location & Directions

Address

PO BOX 5297

Winston Salem, NC 27113

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(336) 748-4800

Service Area

This credit union is located in Winston Salem and serves members in the NC area. Currently serving 47,763 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

6.37%

Used Auto Loan

6.61%

Personal Loan

13.74%

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 NC

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

Self-Help— New Auto Loan

Durham, NC

2.49%
Internal Revenue Employees— Used Auto Loan

Greensboro, NC

2.90%
First Carolina People'S— Personal Loan

Goldsboro, NC

8.00%
First Carolina People'S— Credit Card APR

Goldsboro, NC

8.00%

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

Branches & Locations(18 total)

Member Reviews

4.7

275 Google reviews

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

View on Google Maps
Tina Justice

Tina Justice

3 months ago

Members credit has offered me peace .past month and half I've been looking to purchase vehicle. My car originally had been totaled by deer hitting it. Long story short I feel like family at Members credit. They took care of all my needs and let me relax 😌. Thanks to Members credit I now am the owner of a new vehicle. Blessings to you all.

Michael Addington

Michael Addington

3 months ago

All I can say is WOW! Robert went above and beyond helping me today. He stayed after hours to help me, he coached me on things I was unaware of and without him I would have gotten my family and I a new car. Will always come to the branch no matter what. They treat you like family not another number

Alexis

Alexis

3 months ago

My husband and I came into this branch. We paid off his old loan and opened me an account to under him to help build my credit. Robert helped us to understand the advantages of picking a car, paying down debts, etc. Thanks Robert!

David Payne

David Payne

7 months ago

This is the best banking experience I have ever had. Karyn Keinert was wonderful in helping me go from inquiry about a car loan to check in hand through the Lenoir branch in a series of emails. She was efficient, gracious, and very helpful. The icing on the cake . . . I even got a better rate than I expected! Thank you, Karyn and MCU. What a blessing!

Primce Dupree

Primce Dupree

2 months ago

Courtney M was absolutely amazing. She took the time to help me get my loan approved walk me through the steps. She was great all the way around stayed in contact with me the whole time from start to finish five days.

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).