Credit union · NCUA insured
MembersOwn Credit Union
Top CarrotA $111.3M credit union headquartered in Lincoln, NE, with 8,934 members and 2 branches in Nebraska. Best rates: CDs 3.75% and savings 0.65% APY.
MembersOwn Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#4 of 29 in Lincoln, NE metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MembersOwn Credit Union
Established in 1936 by Lincoln Telephone & Telegraph employees, MembersOwn Credit Union is a not-for-profit financial cooperative locally owned by its members.
Serving Southeast Nebraska, the credit union offers membership to individuals who live, work, worship, attend school, or belong to an organization in the region.
- Headquarters
- 1391 S 33rd St, Lincoln, NE 68510-4508
- NCUA charter
- 66268
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live in Southeast Nebraska are eligible for membership.
- Persons who attend school in Southeast Nebraska are eligible for membership.
- Persons who work in Southeast Nebraska are eligible for membership.
- Persons who worship in Southeast Nebraska are eligible for membership.
Employers and groups
- Persons who belong to an organization in Southeast Nebraska are eligible for membership.
Branches
2 branches in Nebraska
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Nebraska
2 branches
Lincoln area · 1
- LincolnMain office1391 S 33rd St, Lincoln, NE 68510Directions
Beatrice area · 1
- Beatrice2600 Eastside Blvd, Beatrice, NE 68310Directions
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 | 14.11% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.91% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.11% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $73 | $76 | — |
- CapitalNet worth ratio14.11%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.91%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.11%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 MembersOwn Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.