Credit union · NCUA insured
Members Credit Union
Top CarrotA $481.8M credit union headquartered in Winston-Salem, NC, with 47,453 members and 17 branches in North Carolina. Best rates: CDs 3.66% and savings 0.75% APY.
Members Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#6 of 24 in Winston-Salem, NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members Credit Union
Members Credit Union is a member-owned financial cooperative based in North Carolina, headquartered in Winston-Salem.
Founded in 1953 as McLean Employees Credit Union by twenty employees of the McLean Trucking Company, it was established for the benefit of fellow employees.
- Headquarters
- 2098 Frontis Plaza Blvd Ste A, Winston-Salem, NC 27103-5779
- NCUA charter
- 60002
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This may be incomplete or out of date, so check with the credit union before you apply.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, work, worship, or learn in Surry, Wilkes, or Yadkin County are eligible to join.
- Individuals who live, work, worship, or learn in Sampson or Duplin County are eligible to join.
- Individuals who live, work, worship, or learn in Gaston County are eligible to join.
- Individuals who live, work, worship, or learn in a 25-mile radius of Hope Mills, NC are eligible to join.
- Individuals who live, work, worship, or learn in Iredell County are eligible to join.
Employers and groups
- Members of an affiliate association of MCU are eligible to join.
2 more ways to join
Employers and groups
- Employees or retirees of a Sponsor Company are eligible to join.
Family and household
- Relatives/family members of a current Members CU member (spouses, parents, grandparents, children, grandchildren, brothers, and sisters, including step relations) are eligible to join.
Cost to join
- Membership is free.
Branches
17 branches in North Carolina
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North Carolina
17 branches
Winston-Salem area · 5
- MainMain office2098 Frontis Plaza Blvd Ste A, Winston-Salem, NC 27103Directions
- Members Credit Union180 War Eagle Dr, Mocksville, NC 27028Directions
- Thomasville1033 Randolph St Ste 21, Thomasville, NC 27360Directions
- Members Credit Union2098 Frontis Plaza Blvd Ste A, Winston-Salem, NC 27103Directions
- Museum Drive5995 Museum Dr, Winston-Salem, NC 27105Directions
Hickory area · 5
- Hickory2142 12th Ave NE, Hickory, NC 28601Directions
- Lenoir1240 Morganton Blvd SW, Lenoir, NC 28645Directions
- Morganton121 Wamsutta Mill Rd, Morganton, NC 28655Directions
- Newton2475 Northwest Blvd, Newton, NC 28658Directions
- Valdese835 Main St W, Valdese, NC 28690Directions
Charlotte area · 2
- Members Credit Union Gastonia1475 N New Hope Rd, Gastonia, NC 28054Directions
- Lincolnton1822 N Aspen St, Lincolnton, NC 28092Directions
Greensboro area · 2
- Greensboro3925 Sedgebrook St, High Point, NC 27265Directions
- High Point1701 Westchester Dr Ste 510, High Point, NC 27262Directions
Mount Airy area · 1
- Elkin827 N Bridge St, Elkin, NC 28621Directions
Fayetteville area · 1
- Hope Mills3333 N Main St Ste 120, Hope Mills, NC 28348Directions
Lumberton area · 1
- Lumberton4344 Fayetteville Rd, Lumberton, NC 28358Directions
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 | 14.83% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.82% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.08% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $46 | $76 | — |
- CapitalNet worth ratio14.83%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.82%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.08%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$46Peers’ 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 Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.