Consolidation Loan

Borrow between $300 and $15,000,
with an APR as low as 8.25%*

*Actual APR (Annual Percentage Rate) determined by qualified borrower's credit score. Credit criteria must be met to qualify. Speak with a representative for details. Offer may change or end without notice. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

Share/Savings Rates

Rates Effective: June 4, 2021

Savings .
Dividend Rate* 0.05%
APY* 0.05%
Min. Deposit to Open $10.00
Min. Deposit to Earn APY* $10.00
Savings Clubs .
Dividend Rate* 0.05%
APY* 0.05%
Min. Deposit to Open $0.00
Min. Deposit to Earn APY* $0.00

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

Checking Rates

Rates Effective: June 4, 2021

Checking .
Dividend Rate* 0.01%
APY* 0.01%
Minimum Deposit to Open $100.00
Minimum Deposit to Earn APY* $0.00

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

Money Market Rates

Rates Effective: June 4, 2021

Money Market .
Dividend Rate* 0.05%
APY* 0.05%
Min. Deposit to Open $0.00
Min. Deposit to Earn APY* $2500.00
Money Market .
Dividend Rate* 0.10%
APY* 0.10%
Min. Deposit to Open $0.00
Min. Deposit to Earn APY* $5000.00
Money Market .
Dividend Rate* 0.20%
APY* 0.20%
Min. Deposit to Open $0.00
Min. Deposit to Earn APY* $25000.00
Money Market .
Dividend Rate* 0.35%
APY* 0.35%
Min. Deposit to Open $0.00
Min. Deposit to Earn APY* $50000.00

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

HSA Rates

Rates Effective: June 4, 2021

HSA Rates .
Dividend Rate* 0.05%
APY* 0.05%
Minimum Deposit to Open $0.00
Minimum Deposit to Earn APY* $0.00

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

IRA Rates

Rates Effective: June 4, 2021

IRA Rates .
Dividend Rate* 0.05%
APY* 0.05%
Minimum Deposit to Open $0.00
Minimum Deposit to Earn APY* $0.00

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

Save to Win Share Certificates

Rates Effective: June 4, 2021

Save to Win Share Certificates .
Dividend Rate* 0.60%
APY* 0.60%
Minimum Deposit to Open $25.00
Minimum Deposit to Earn APY* $25.00

Official Rules | Disclosure | *APY = Annual Percentage Yield. Certificate rates are subject to change without notice. Penalty for early withdrawal.

Share Certificate Rates

Rates Effective: June 4, 2021

6 Month .
Dividend Rate* 0.45%
APY* 0.45%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00
12 Month** .
Dividend Rate* 0.60%
APY* 0.60%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00
18 Month .
Dividend Rate* 0.65%
APY* 0.65%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00
24 Month .
Dividend Rate* 0.75%
APY* 0.75%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00
36 Month .
Dividend Rate* 0.85%
APY* 0.85%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00

*APY = Annual Percentage Yield. Certificates rates are subject to change without notice. Penalty for early withdrawal. Federally insured by NCUA.

**Special dividend rate of 1.09% (APY 1.10%) available for limited time! Special dividend rate is only available on NEW 12 month certificates (certificate renewals are not eligible for special dividend rate). For more information and full details, speak with representative. Special dividend rate may end without notice.

IRA Certificate Rates

Rates Effective: June 4, 2021

6 Month .
Dividend Rate* 0.45%
APY* 0.45%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00
12 Month** .
Dividend Rate* 0.60%
APY* 0.60%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00
18 Month .
Dividend Rate* 0.65%
APY* 0.65%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00
24 Month .
Dividend Rate* 0.75%
APY* 0.75%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00
36 Month .
Dividend Rate* 0.85%
APY* 0.85%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00

*APY = Annual Percentage Yield. Certificates rates are subject to change without notice. Penalty for early withdrawal. Federally insured by NCUA.

**Special dividend rate of 1.09% (APY 1.10%) available for limited time! Special dividend rate is only available on NEW 12 month certificates (certificate renewals are not eligible for special dividend rate). For more information and full details, speak with representative. Special dividend rate may end without notice.

Auto Rates 2014 & Newer

Rates Effective: June 4, 2021

36 Month .
APR as low as* 2.01%
Aprox. Payment (per $1000) $28.65
48 Month .
APR as low as* 2.26%
Aprox. Payment (per $1000) $21.81
60 Month .
APR as low as* 2.50%
Aprox. Payment (per $1000) $17.75
72 Month .
APR as low as* 3.50%
Aprox. Payment (per $1000) $15.42
84 Month .
APR as low as* 4.50%
Aprox. Payment (per $1000) $13.91

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

Auto Rates 2013 & Older

Rates Effective: June 4, 2021

36 Month .
APR as low as* 6.01%
Aprox. Payment (per $1000) $30.43
48 Month .
APR as low as* 6.51%
Aprox. Payment (per $1000) $22.73

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

Boat/Motorcycle/RV Rates 2014 & Newer

Rates Effective: June 4, 2021

36 Month .
APR as low as* 2.01%
Aprox. Payment (per $1000) $28.65
48 Month .
APR as low as* 2.26%
Aprox. Payment (per $1000) $21.81
60 Month .
APR as low as* 2.50%
Aprox. Payment (per $1000) $17.75
72 Month .
APR as low as* 3.50%
Aprox. Payment (per $1000) $15.42
84 Month .
APR as low as* 4.50%
Aprox. Payment (per $1000) $13.91

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

Boat/Motorcycle/RV Rates 2013 & Older

Rates Effective: June 4, 2021

36 Month .
APR as low as* 6.01%
Aprox. Payment (per $1000) $30.43
48 Month .
APR as low as* 6.51%
Aprox. Payment (per $1000) $22.73

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

Personal Loan Rates

Rates Effective: June 4, 2021

Amount APR as low as*
Minimum $300 - Maximum $15,000 8.76%

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

50% Share Secured Loan Rates

Rates Effective: June 4, 2021

Term APR as low as*
Contact Credit Union 3.25%

*Actual Annual Percentage Rate (APR) determined by borrower’s credit score. Credit criteria must be met to qualify.

100% Share Secured Loan Rates

Rates Effective: June 4, 2021

Term APR as low as*
Contact Credit Union 2.00%

*Actual Annual Percentage Rate (APR) determined by borrower’s credit score. Credit criteria must be met to qualify.

VISA/Variable Rate-Adjusted Semi-Annually (January & July)

Tier Max Limit APR as of 7/1/2020
A $10,000 9.25%
B $7,500 12.25%
C $5,000 15.25%

IMPORTANT CREDIT CARD DISCLOSURES. Individual APR (Tier) and credit limit based upon your credit score at the time of your application. Speak with representative for more details.

Rate information is posted and provided as information. Rates are current as of 4/1/2021 and are subject to change without notice as stated in our Account Disclosure Rate Supplement and Schedule of Fees and Charges.

Members Source logo

Routing Number: 271991210

Equal Housing Opportunity Logo

Main Office:


8580 Virginia St.
Merrillville, IN 46410
Fax: 219-756-4120
Drive Up & 24-Hour ATM


Call Center:

Monday – Friday: 8:00 – 5:00
Saturday: 9:00 – 12:00 Noon

Open an Account


Join Us!


Sign Up For Email Updates



©2021 Members Source CU All Rights Reserved.