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Members Choice Credit Union Share
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Overview Share
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Members Choice Credit Union is a federally insured state credit union based in Ashland, Kentucky. It has been opened since 1932, for 90 years.

With around $208,550,000 in assets, Members Choice Credit Union is considered to be a very large credit union. It has 5 branches and 3 ATM locations.

About Share
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Address 145 Russell Road
Ashland, Kentucky 41101
Website http://www.mccu.net
Phone (606) 329-7876
CEO Cheryl R. Deborde
President of the Board Russell White
Services Offered
Score Card Share
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90 years
Years in business
Opened in 1932
Well Capitalized
Net worth classification
Source: NCUA
18,481 members
Membership type: State chartered natural person credit union
Above average number of members
355:1
Credit union member to staff ratio
355 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$208,550,678
Total assets
Above average
5 branches
Compared with an average of 4 nationally and 3 in Kentucky
Above average number of branches
0.50%
Savings interest rate
Compared to 0.3% nationally
6.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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5 branches
Compared with an average of 4 nationally and 3 in Kentucky
Above average number of branches
Members Choice Credit Union Branch Locations

Members Choice Credit Union: Cannonsburg Office
1315 Cannonsburg Road
Ashland, Kentucky 41102
ATM Available
Members Choice Credit Union: Central Office
1401 Central Avenue
Ashland, Kentucky 41101
ATM Available
Members Choice Credit Union: Bellefonte Office
800 Saint Christopher Drive Suite 2
Ashland, Kentucky 41101
No ATM
Members Choice Credit Union: Cannonsburg Office
1315 Cannonsburg Road
Ashland, Kentucky 41102
No ATM
Members Choice Credit Union: Russell Road Office
145 Russell Road
Ashland, Kentucky 41101
ATM Available
Members Share
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18,481 members
Membership type: State chartered natural person credit union
Above average number of members

With 18,481 members, the Members Choice Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 81% of credit unions.

Fees Share
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$139
Average fee per member
The average fee per member at the Members Choice Credit Union is $139, which is very high compared to most credit unions. This rate is higher than 95% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Members Choice Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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355:1
Credit union member to staff ratio
355 per each FTE employee
Compared to 411:1 nationally
Average number of staff
52 staff members
FTE (full-time equivalent)
11% of employees are part-time
49 full-time, 6 part-time

Members Choice Credit Union has 49 full-time staff members and 6 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 89% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Members Choice Credit Union has around 355 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets Share
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$208,550,678
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
12.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$11,239
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 59% of credit unions.

Members Choice Credit Union holds a total of $146,100,000 in loans and leases, which is about $11,239 per member on average.

Savings interest rate Share
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0.50%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Members Choice Credit Union pays 0.50%.

Loan rates Share
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6.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.99%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
7.99%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.99%
New car loan rate
Compared to 4.0% nationally
4.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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4.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Similar Credit Unions to Members Choice Credit Union

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Members Choice Credit Union: Seven Meadows
Credit Union Branch: 8951 S. Fry Road
Katy, Texas 77494 ATM Available
Members Choice Credit Union: Cannonsburg Office
Credit Union Branch: 1315 Cannonsburg Road
Ashland, Kentucky 41102 ATM Available
Members Choice Credit Union: Main Office
Credit Union Branch: 520 W. Patterson Drive
Bloomington, Indiana 47403 ATM Available
Members Choice Credit Union: Central Office
Credit Union Branch: 1401 Central Avenue
Ashland, Kentucky 41101 ATM Available
Members Choice Credit Union: Branch
Credit Union Branch: 3647 W. State Road 46
Bloomington, Indiana 47404 ATM Available
Members Choice Credit Union: Cannonsburg Office
Credit Union Branch: 1315 Cannonsburg Road
Ashland, Kentucky 41102 No ATM
Members Choice Credit Union: Eldridge
Credit Union Branch: 1503 Eldridge Parkway
Houston, Texas 77077 ATM Available
Members Choice Credit Union: Russell Road Office
Credit Union Branch: 145 Russell Road
Ashland, Kentucky 41101 ATM Available
Members Choice Credit Union: Phillips66
Credit Union Branch: 2331 Citywest Boulevard
Houston, Texas 77042 No ATM
Members Choice Credit Union: Green Trails
Credit Union Branch: 1657 S. Fry Road
Katy, Texas 77450 ATM Available