Members Community Credit Union

What Members Community Credit Union does

Members Community Credit Union is a member-owned, non-profit cooperative financial institution headquartered in Muscatine, Iowa, founded in 1957. It operates as a community credit union with a small staff (11-50 employees), serving members primarily within a localized field of membership. Its product set, as described in source material, consists of standard retail banking services: savings and checking accounts, loans, deposit products, mortgages, IRAs, and other consumer financial services. There is no evidence of commercial lending, treasury, wealth-management, or digital-only product lines.

The underlying technology profile is undisclosed in the available data — the firm's website returned a loading/verification page rather than substantive content, and no proprietary technology, integrations, app, or AI capabilities are documented. No parent company, subsidiaries, or funding rounds are recorded; capital structure is consistent with a self-funded cooperative retaining earnings rather than raising external equity. No management team, contact details, partnerships, awards, patents, or regulatory actions are reported in the source set, which materially constrains due-diligence depth.

The business model follows the standard credit-union mechanic: net interest income from member deposits funded into member loans, supplemented by fee income on deposit/loan servicing. Revenue scale, member count, asset size, and loan-mix are not disclosed, and the absence of pricing data and customer segmentation precludes granular GTM analysis. Operationally, the institution appears to function as a traditional, relationship-driven community lender rather than a digitally native fintech.

Name

Members Community Credit Union

Website

https://memberscommunitycu.org

Company type

Private

Founded year

1957

Headcount range

11–50 employees

Short description

Members Community Credit Union is a member-owned, non-profit community financial institution founded in 1957 in Muscatine, Iowa, offering savings and checking accounts, loans, deposits, mortgages, IRAs, and other consumer financial services to local members with a small 11-50 employee staff.

Ownership category

akta.pro rank

Product category

Credit Union Services

NAICS

Credit Unions (52213), Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Retail banking services
• Consumer lending
• Mortgage loans
• Deposit accounts
• Credit union services

Headquarters

HQ city

Muscatine

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Core offering

Members Community Credit Union is a member-owned, not-for-profit financial cooperative that provides retail banking products and services to its members, including savings and checking accounts, loans, deposits, mortgages, IRAs, and other consumer financial services. Founded in 1957 and headquartered in Muscatine, Iowa, the institution operates as a community-focused credit union serving individual members.

Product overview

Members Community Credit Union is a financial institution offering banking and credit union services to its members. The source data available is limited to a loading/verification page and does not contain specific product or service details.

Differentiator

Problem solved

Functional benefit

Products and services

• Savings Accounts Deposit accounts that allow members to save funds and earn interest, offered to individual members of the credit union.
• Checking Accounts Transaction deposit accounts for everyday banking needs, provided to individual credit union members.
• Loans Consumer lending products extended to credit union members for personal borrowing needs.
• Mortgages Home loan products provided to credit union members for residential property purchases or refinancing.
• IRAs Individual retirement accounts offered to members for long-term retirement savings and tax-advantaged investing.
• Deposits Term and time deposit products that allow members to earn fixed returns on funds held with the credit union.
• Other Financial Services Additional financial products and services offered to credit union members beyond core deposit, lending, and retirement offerings.

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Broad incumbents

• Alliant Credit Union: Large U.S. credit union serving a broad community charter with full retail banking products — comparable core offerings but at significantly greater scale and with stronger digital capabilities.
• MidWestOne Bank: Iowa-headquartered community bank offering retail deposits, lending, and mortgages across the state — comparable to a community credit union on product and target customer, though structured as a bank rather than a cooperative.
• Connexus Credit Union: Nationwide digital-forward credit union offering deposits, consumer loans, and mortgages — comparable product set but distinguished by a much stronger online/digital channel that competes for the same retail members.

Direct peers

• Ascentra Credit Union: Iowa-based community credit union serving individuals and businesses in the Quad Cities region with deposits, lending, and mortgage products — directly comparable in product mix and community focus to Members Community Credit Union.
• Veridian Credit Union: Iowa-headquartered credit union serving members across the state with full retail banking and lending services — comparable community credit-union positioning with broader Iowa footprint.
• DuTrac Community Credit Union: Community credit union based in Dubuque, Iowa, providing deposit, loan, and mortgage services to local members — directly comparable in scale and community-banking model.
• Greater Iowa Credit Union: Iowa community credit union offering checking, savings, loans, and mortgages to members across central Iowa — closely comparable scope and retail credit-union model.

Others

• CUNA (Credit Union National Association): National trade association for U.S. credit unions providing advocacy, compliance, and shared-service programs — an ecosystem enabler directly relevant to a small community credit union's operations and strategy.
• Jack Henry & Associates: Core banking technology and digital banking provider widely used by community credit unions and banks — relevant as a likely infrastructure partner and competitive benchmark for digital capability gaps at smaller credit unions.

Regional players

• SchoolsFirst Federal Credit Union: Large federally chartered, community-select credit union providing retail banking and lending — comparable member-owned cooperative model with affinity/community focus, though operating primarily in California.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat3 records

Key risks5 records

Key highlights4 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Members Community Credit Union