Credit union · NCUA insured
Members Exchange Credit Union
A $143.5M credit union headquartered in Ridgeland, MS, with 11,611 members and 3 branches in Mississippi. Best rates: CDs 1.90% and savings 0.25% APY.
Members Exchange Credit Union Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#14 of 26 in Jackson, MS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members Exchange Credit Union
- Headquarters
- 107 Marketridge Dr, Ridgeland, MS 39157-6027
- NCUA charter
- 24952
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to persons who live, work, worship, or attend school in, as well as businesses and other legal entities located in Hinds, Madison, Rankin, Simpson, Copiah, Attala, Claiborne, Covington, Holmes, Jasper, Jefferson, Jefferson Davis, Jones, Lawrence, Leake, Lincoln, Neshoba, Newton, Scott, Smith, Warren, Winston, and Yazoo Counties in Mississippi.
Family and household
- Membership is open to immediate family members of credit union members, including spouse, parents, brothers, sisters, grandparents, children, and grandchildren.
Other ways
- Membership is open to organizations owned by eligible persons.
Cost to join
- A minimum deposit of $1.00 in a share savings account is required to join.
- There is no joining fee.
Branches
3 branches in Mississippi
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Mississippi
3 branches
- Branch - MarketridgeMain office107 Marketridge Dr, Ridgeland, MS 39157Directions
- Branch - Byram5640 I 55 S, Byram, MS 39272Directions
- Branch - Pearl101 Metroplex Blvd, Pearl, MS 39208Directions
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 | 21.21% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.37% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.74% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $58 | $76 | — |
- CapitalNet worth ratio21.21%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.37%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.74%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$58Peers’ 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 Exchange Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.