Credit union · NCUA insured
Members Choice Credit Union
A $425.8M credit union headquartered in Ashland, KY, with 23,216 members and 5 branches in Kentucky. Best rates: CDs 3.41% and savings 0.50% APY.
Members Choice Credit Union Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#13 of 25 in Huntington, WV-KY-OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members Choice Credit Union
Founded in 1932 as Armco Employees Credit Union by Armco Steel workers, the credit union was renamed Members Choice Credit Union in 1993.
Based with branches in Ashland, Kentucky, it expanded its community charter in 2010 and now serves 33 continuous counties across Eastern Kentucky.
- Headquarters
- 145 Russell Rd, Ashland, KY 41101
- NCUA charter
- 62026
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or goes to school in 33 specified Eastern Kentucky counties is eligible for membership.
Employers and groups
- Any employee or retiree of a Very Important Partner is eligible for membership.
Family and household
- Any immediate family member of an existing Members Choice member is eligible for membership.
Branches
5 branches in Kentucky
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Kentucky
5 branches
- Russell Road OfficeMain office145 Russell Rd, Ashland, KY 41101Directions
- Bellefonte Office800 Saint Christopher Dr Ste 2, Ashland, KY 41101Directions
- Cannonsburg Office1315 Cannonsburg Rd, Ashland, KY 41102Directions
- Grayson Temporary Office114 Interstate Dr, Grayson, KY 41143Directions
- Greenup Temporary Office226 Main St, Greenup, KY 41144Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.38% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.76% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.64% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio8.38%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.76%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.64%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Members Choice Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.