Members Cooperative's ACH and direct-deposit routing number depends on the U.S. state where you opened your account. For domestic wires, Members Cooperative uses 291 973 454 (cross-checked against public directories — confirm before you send).
Cross-checkedNCUA 5300 Call Reportchecked June 28, 2026Direct deposit, payroll, and ACH transfers
3 numbers · MN
Members Cooperative uses a different ACH routing number depending on the U.S. state where you opened your account. Find yours in the table below.
Find your state's numberIncoming and outgoing domestic wire transfers
Wires also need the recipient's name and address. Don't use this number for direct deposit — wire and ACH numbers are not interchangeable. Always confirm with the bank before you send money.
Where to look: a check, online banking, the mobile app.
Members Cooperative's ACH and direct-deposit routing number depends on the U.S. state where you opened your account. For domestic wires, Members Cooperative uses 291 973 454 (cross-checked against public directories — confirm before you send). The 9-digit routing number identifies the bank on a transfer; your account number identifies you.
Yes. Members Cooperative assigns ACH and direct-deposit routing numbers by the U.S. state where you opened your account. Check the bottom-left of a Members Cooperative check, your account details in online or mobile banking, or the routing-number table on this page to find the one for your state. Domestic wires use a single routing number regardless of state.
Use the ACH and direct-deposit number for payroll, direct deposit, and everyday transfers. Use the wire number for domestic wire transfers, which also need the recipient's name and address. The two are not interchangeable — sending an ACH payment with a wire routing number (or the reverse) can be rejected, so match the number to the transfer type.
Your routing number is the first 9 digits in the bottom-left of a Members Cooperative check, or in your online and mobile banking under account or routing details. If anyone asks for your online-banking password or full card number to "verify" a routing number, it's a scam — a routing number alone is public.
Members Cooperative is a credit union headquartered in Duluth, MN.
Every number passes the standard ABA checksum. 3 are cross-checked against multiple public routing directories. fin.codes is an independent reference, not a bank — always confirm transfer details with Members Cooperative before sending money.
No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by Members Cooperative.