Credit union · NCUA insured
Members Heritage CU
Top CarrotA $583.6M credit union headquartered in Lexington, KY, with 54,828 members and 5 branches in Kentucky. Best rates: CDs 4.60% and savings 1.95% APY.
Members Heritage CU Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#2 of 25 in Lexington, KY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members Heritage CU
Founded in 1960 as IBM (Lexington) Employees Federal Credit Union, Members Heritage Credit Union is a member-owned financial cooperative headquartered in Lexington, Kentucky.
The institution renamed to Members Heritage Federal Credit Union in 1993 before adopting its current name in 2015 when expanding membership across twenty-two Kentucky counties.
- Headquarters
- 440 Park Pl, Lexington, KY 40511-1829
- NCUA charter
- 68661
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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live, work, worship, or attend school in 22 eligible Kentucky counties (Anderson, Bath, Bourbon, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Menifee, Mercer, Montgomery, Morgan, Nicholas, Powell, Rowan, Scott, and Woodford).
Family and household
- Membership is open to individuals who have family members in the 22 eligible Kentucky counties.
Cost to join
- Opening a share savings account with an initial deposit of as little as $5 is required to establish membership, with no annual membership fees or maintenance charges.
Branches
5 branches in Kentucky
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Kentucky
5 branches
- Park PlaceMain office440 Park Pl, Lexington, KY 40511Directions
- Members Way Branch2420 Members Way, Lexington, KY 40504Directions
- Pimlico Branch3202 Custer Dr, Lexington, KY 40517Directions
- Nicholasville Branch1039 N Main St, Nicholasville, KY 40356Directions
- Winchester Branch339 Shoppers Dr, Winchester, KY 40391Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.39% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.92% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.70% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $73 | $76 | — |
- CapitalNet worth ratio12.39%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.92%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.70%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$73Peers’ 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 Heritage CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.