Members Credit Union, Inc.

What their website says about applying

• To begin, you must complete and submit the following documents: source
• Proof of Income (e.g., pay stubs, tax returns, employment verification letter, bank statements). source
• Visit our office for in-person assistance. source
• Get started online or visit us in our office at 612 Bedford St, Stamford, CT 06901 to speak with a Loan Officer. source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• ITIN accepted available to all our members, including ITIN (Tax ID) holders source
• Low or damaged credit considered Damaged Credit? We Can Help! source
• Membership required Membership eligibility required. source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Home improvement loans are currently suspended, so they are excluded; the first mortgage program is offered through partner Total Mortgage. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
2. What are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
3. What is the APR, including fees, on your credit-builder loans and home mortgages?
   Their website does not state an APR. The APR includes fees, so it is the number to compare.
4. How long can I take to repay?
   No repayment terms are stated on their website.
5. Do you offer down-payment help, and is a homebuyer education course required?
   CDFI home loans often come with homebuyer education or down-payment help; their website does not say.
6. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

On file with the NCUA as MEMBERS (charter 68487). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.

An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).

Figures from the 5300 Call Report filed by Members Credit Union, Inc. (NCUA charter 68487, filed as “MEMBERS”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.

Loan mix (balances on 30 Jun 2026)

None reported on the 30 Jun 2026 report: commercial (business) loans.

Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.

Same loan type, nearby, lower stated rate

Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).

• Auto / vehicle loans (this lender states from 4.99%): New York University FCU from 3.75% (32 mi, read 2 Nov 2026)
• Personal / consumer loans (this lender states from 9.99%): New York University FCU from 7.50% (32 mi, read 2 Nov 2026)

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Stated rates: each lender's own website, read on the date shown.

Other certified CDFIs in Stamford and Connecticut

• Housing Development Fund, Inc.Loan fund · Stamford, CTOfficial list only
• Capital for ChangeLoan fund · Wallingford, CTCommercial real estate loans, Energy / solar / efficiency loans, Equipment loans, Home repair / improvement loans…Verified
• Hartford Community Loan FundLoan fund · Hartford, CTHome repair / improvement loansVerified
• New Haven BankBank or thrift · New Haven, CTCommercial real estate loans, Equipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
• Community Economic Development Fund I, LLCLoan fund · Meriden, CTOfficial list only
• First City Fund CorporationBank holding company · New Haven, CTOfficial list only

All 9 CDFIs in Connecticut