Credit union · NCUA insured
Midwest Members Credit Union
Top CarrotA $226.5M credit union headquartered in Wood River, IL, with 17,581 members and 3 branches in Illinois. Best rates: CDs 4.15% and savings 1.81% APY.
Midwest Members Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#10 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Midwest Members Credit Union
Formed in 1935 as Shell Wood River Federal Credit Union, Midwest Members Credit Union was established to provide low-cost financial services to Shell employees and their families.
Later renamed Shell Community Federal Credit Union, it became Midwest Members Credit Union in 2016 and converted to a state-chartered credit union in 2017.
Following its state charter conversion, the credit union expanded to serve nine additional counties.
- Headquarters
- 101 Wesley Dr., Wood River, IL 62095
- NCUA charter
- 68684
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to anyone who lives, works, or attends school in Madison County, IL.
Branches
3 branches in Illinois
Loading map…
Illinois
3 branches
- Wood River OfficeMain office101 Wesley Dr., Wood River, IL 62095Directions
- Granite City Office2400 Madison Ave, Granite City, IL 62040Directions
- Maryville Office2813 N Center St, Maryville, IL 62062Directions
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 | 13.58% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.44% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.70% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $83 | $76 | — |
- CapitalNet worth ratio13.58%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.44%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.70%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$83Peers’ 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 Midwest 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.