Credit union · NCUA insured
Members Community Credit Union
A $98.5M credit union headquartered in Muscatine, IA, with 8,059 members and 2 branches in Iowa. Best rates: CDs 3.90% and savings 0.25% APY.
Members Community Credit Union Carrot Score
82
Carrot Score
Higher than 57% of U.S. banks and credit unions
#4 of 6 in Muscatine, IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members Community Credit Union
Founded in 1957 as Home-O-Nize Employees Credit Union, Members Community Credit Union is headquartered in Muscatine, Iowa, where it operates two branches.
The member-owned credit union opened membership to the public in 2003 and adopted its current name in 2006.
- Headquarters
- 159 Colorado St, Muscatine, IA 52761
- NCUA charter
- 62683
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live or work in Muscatine, Scott, Cedar, Johnson, Louisa counties in Iowa, or Rock Island County in Illinois are eligible for membership.
Employers and groups
- Current or retired employees of HNI Corporation are eligible for membership.
Family and household
- Immediate relatives of any current credit union member are eligible for membership.
Cost to join
- A refundable deposit of at least $5 into a savings account is required to establish membership and ownership share.
Branches
2 branches in Iowa
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Iowa
2 branches
- Colorado StreetMain office159 Colorado St, Muscatine, IA 52761Directions
- Cedar St2915 Cedar St, Muscatine, IA 52761Directions
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 | 12.48% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.25% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.24% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $74 | $59 | — |
- CapitalNet worth ratio12.48%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.25%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.24%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$74Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.