Join MCU
Benefits of Membership MCU is a Credit Union. We are a full service financial institution that is almost like a bank-but that little word "almost" makes all the difference in the world. Banks are profit making institutions; they may offer their accounts to the public at large. MCU is a not-for-profit financial cooperative serving groups of people who fit within our field of membership. Once we cover our costs and reserve requirements additional earned income goes back to our members in more favorable rates and terms, and lower fees for products and services.
Who Runs MCU? If you are a member, you do. MCU, like all credit unions, is cooperatively owned by all of its members, and only members can serve on the board of directors and supervisory committee, or vote in annual elections.
Saving and Borrowing are both made easy at your credit union. At MCU we offer not only excellent rates, but the convenience of direct deposit and automatic payroll deduction. Make regular deposits to your savings, checking, IRA and even to a high dividend earning Certificate Account (yes, to a Certificate Account!) all without taking a single step once you've filled out the appropriate forms. Loan and VISA card payments can also be made this hassle free way. Only members may save; only members may borrow.
Your Savings are Safe! Member savings accounts are federally insured to at least $250,000* and IRA accounts are insured up to an additional $250,000 by the NCUA (National Credit Union Administration), a U.S. Government Agency. *The increase from $100,000 to $250,000 will remain in effect, unless extended by further federal authorities, until 12/31/13.
Ready to Join? Just fill out our Become a Member Form and we'll send you what you need to get started.