Credit union · NCUA insured
Memorial Credit Union
A $85.7M credit union headquartered in Houston, TX, with 9,907 members and 5 branches in Texas. Best rates: CDs 3.26% and savings 0.15% APY.
Memorial Credit Union Carrot Score
81
Carrot Score
Higher than 55% of U.S. banks and credit unions
#57 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Memorial Credit Union
Memorial Credit Union is headquartered in Houston, Texas.
The credit union serves its community as well as Memorial Hermann employees, partners, and their families with financial services.
- Headquarters
- 7789 Southwest fwy Ste 175, Houston, TX 77074-1831
- NCUA charter
- 62571
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This may be incomplete or out of date, so check with the credit union before you apply.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 Harris County residents and those who live, worship, work, or attend school within Harris County.
- Membership is open to those who live, worship, work, or attend school within a 10-mile radius of an MCU branch location.
Employers and groups
- Membership is open to employees and families of the Memorial Hermann Healthcare System.
- Membership is open to Memorial Hermann Healthcare System (MHHS) medical professional building tenants.
- Membership is open to Memorial Hermann Healthcare System (MHHS) contractors and vendors.
- Membership is open to Memorial Hermann Healthcare System (MHHS) volunteers.
1 more way to join
Family and household
- Eligible family members include spouses, parents, siblings, children, step relations, grandparents, and grandchildren.
Branches
5 branches in Texas
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Texas
5 branches
- Executive BranchMain office7789 Southwest fwy Ste 175, Houston, TX 77074Directions
- Drive Thru Location Br-77500 Beechnut St, Houston, TX 77074Directions
- Memorial City Branch #2915 Gessner Rd Ste 180, Houston, TX 77024Directions
- Northwest Branch Br-41740 W 27th St Ste 170, Houston, TX 77008Directions
- Southwest Branch Br-67789 Southwest Fwy ste 175, Houston, TX 77074Directions
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 | 11.14% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.66% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.02% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $90 | $59 | — |
- CapitalNet worth ratio11.14%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.66%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.02%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$90Peers’ 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 Memorial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.