Membership

We've got you covered--no matter where you are along life's journey. We are a friendly, community-based, not-for-profit financial institution committed to helping the people who live, work, worship, or attend school in the State of Michigan and Ohio counties of Fulton, Lucas, and Wood. Through convenient branch locations, online and mobile banking services, friendly customer service and competitive interest rates, MCCU members come to us for all of their financial needs—whether they hope to save for a vacation or buy a new car, start a college fund, or simply have reliable access to their money 24/7.

Please note: You can also become a member of MCCU if you are an immediate relation to a current member or live in the same household as a current member.

For every new membership opened at Monroe Community Credit Union, we will match the initial $5 deposit required to join our cooperative and donate $5 on behalf of our new member to a local non-profit. For more information, click here.

Advantages of Membership at a Credit Union

As is customary with not-for-profit institutions, our credit union’s first priority is to serve the needs of our members. Because we do not have stockholders, our profits are reinvested back to the people they belong to, by way of dividends, lower rates and lower service fees. We are very active in our community and make efforts to give back in ways that will positively impact our membership because, as a member-owned and governed institution, our members are always our top priority. If you are interested in a side-by-side comparison of joining a credit union over a bank, please visit our Why Choose a Credit Union page. In a great testament of our dedication to our members, MCCU was voted 'Best Credit Union' in 2019, 2020, 2021, and 2022 and 'Best Mortgage Lender' in Monroe County in 2019, 2021, and 2022.

Our credit union is democratically controlled and run by a volunteer Board of Directors who are elected by the members of the credit union at our annual meeting. The individuals on the board of directors are all members and any member can run for a spot on the board. All of our credit union members have a say in how the credit union is operated. The day-to-day managers of the credit union, and the team members who serve our members' needs, are experienced professionals who are here to help you navigate the financial industry. We also have financial counselors on staff who can help you establish a budget, pay off debt, save money, and more!

In addition, MCCU members receive special offers and discounts with T-Mobile, Turbo Tax, H&R Block, Spectrum Mobile, asurionhome⁺, TruStage Insurance, Rental Kharma, and SimpliSafe through Love My Credit Union, discounted Mechanical Repair Coverage, GAP insurance, Carfax reports, and more!

Benefits Plus^®

If you're looking to get more out of your membership and lifestyle, this is for you! Benefits Plus® is a discount program that offers a diverse mix of discounts in shopping, dining, entertainment, and travel categories. There's no easier or more affordable way for you to get everyday savings!

Member feedback: "When booking a car on Spirit (combined with a flight) they were asking for $100/day or more just for the car. Through Benefits Plus I was able to get a nice Jeep Wrangler for $47/day and they offered collision insurance for $11/day, which normally runs about $25/day! I was able to save quite a bit of money!" - Erica T.

Some of the most popular benefits in the program are:

Cellular Care Coverage
- Get reimbursed for up to $600 for the costs associated with repairing your device¹
  - Accidental Damage (including cracked screens)
  - Water Damage (including immersion)
  - Drops
  - Electrical Malfunction
Ultimate ID Protection
- 3 Bureau daily credit monitoring²
- Internet monitoring
- Credential vault
  - Here you can enter any information you'd like to have monitored such as your driver's license number or email address
- Instant inquiry alerts
Travel Services - Get guaranteed lowest pricing³and some cash back rewards
- Air Travel
- Hotels, Condo Rentals
  - This includes Airbnb and VRBO!
- Car Rentals
- Cruises
Health and Wellness
- 24/7 MyIdealDoctor
- Hearing Care
- Prescription Savings
- Vision Services
Family Benefits
- Gas and Grocery Gift Cards
- Grocery Coupon Club
- Wholesale Savings Club Discounts
  - Costco
  - Sam's Club
  - BJ's Wholesale Club
- College Care Packages
TicketXpress
- Save up to 50% off of:
  - Movies
  - Sporting Events
  - Concerts
  - Theme Parks
  - Ski Resorts
  - Zoos
  - Aquariums
  - And more!
Retail Stores, Dining, and Gifts
- Gift Cards
- Dining Dough
- Dinner and a Movie
- Office and School Supplies
Cash Back Rewards and SavingsXpress
- 500,000 local, regional, national and franchise offers across the US and Canada
  - Save on dining, attractions, activities, shopping, services, and more!
Click here to visit their website and see the complete list of services and discounts!

To learn more, or access your benefits, you can visit their website or download the app:

¹ Reimbursements are subject to coverage limits. Other restrictions apply.

²Credit Monitoring and the ULTIMATE ID® program begins when you successfully validate your identity. An active email address is required to complete the activation process. To report an identity theft incident or for assistance obtaining your activation code, please call 877.279.6338 and speak with a dedicated ULTIMATE ID® recovery advocate. Certain restrictions and limitations apply. Visit Benefits-Plus.org for complete terms and conditions and program eligibility. No one can prevent all identity theft. The Benefits Plus® Membership Fee of $5.95 applies whether or not you activate ULTIMATE ID® and whether or not you qualify for all its services.

3*Certain restrictions may apply on specific travel services. Subject to availability. Please be advised third-party Internet travel searches are subject to the specific terms and conditions of the provider; additional taxes and fees may not be displayed. Our professional agents are skilled in finding you the lowest guaranteed rates and can make suggestions that can result in tremendous savings. We cannot guarantee the lowest rates until you speak with a Service Specialist at (866) 329-7587! Please see our Good As Gold Double the Difference Low Price Guarantee for details.

Monroe Community Credit Union has selected Generations Gold, Inc. a fully independent third-party benefits provider, to provide travel and other discounted services on an exclusive basis directly to Benefits Plus® Program. Monroe Community Credit Union assumes no liability for any of the third-party providers in fulfilling their services. All liabilities, claims, damages, and demands are the sole and direct responsibility of Generations Gold, Inc. and its independent services or benefits providers. Discounts received through Benefits Plus® Program may not be used in conjunction with any other discounts. Benefits and services available through the Program are subject to change without notice. Not all plans and discounts are available in all areas. Please refer to the actual policies for terms, conditions, and exclusions of coverage. View complete terms, conditions, exclusions and complete program details by visiting Benefits-Plus.org or calling 866.329.7587. © 2020, Generations Gold, Inc. All rights reserved.

Insurance

At Monroe Community Credit Union, we want to make sure that our members are prepared for all of the ups and downs of life. We have partnered with TruStage Insurance to make many insurance programs available to our membership (some with exclusive credit union member discounts!), so take a look around and see if they offer the solution you're looking for.

If you are interested in speaking with our local Liberty Mutual representative for TruStage home and auto insurance:

Phone: 734-222-1742
Fax: 734-913-4632
Claims: 1-800-225-2467

MCCU Heroes

MCCU is proud to offer a special program for those who work tirelessly to make our communities a safer place! 'MCCU Heroes' is a program designed for individuals who are active duty, reserve, veterans, or retirees associated with the following groups:

Military -United States Air Force, Army, Navy, Marines, Coast Guard
Law Enforcement – Police, Sheriff, State/Federal agencies (Border Protection, DNR, Customs, FBI, CIA, DEA, ATF, U.S. Marshals, Secret Service)
First Responders - Fire, EMT, 911 dispatchers
Medical Professionals

Our Heroes receive:

0.25% rate benefit off qualifying finance rate on auto, boat, RV, or motorcycle loans*
0.10% rate benefit on Certificates of Deposit with maturities of one year or longer*
$300 credit towards closing costs on a first residential mortgage or refinance*
Free Official Checks and Money Orders
Free Carfax report
Free travel cards for everyone on the account
Free Benefits Plus® membership with added Restoration® Rescue services
- Set fraud alerts, reduce junk mail, order credit reports, and organize personal information
Discounted Ultimate ID®+ benefits available for $1.50/month

*Cannot be combined with promotional rate specials. Rate benefit will be reflected on monthly statement as a credit.

Visit any of our branches to enroll in the program! Just bring one piece of identification to show you belong to one of the qualifying groups. The quick and easy enrollment process takes just minutes, and you'll start seeing benefits right away.

Already a member and want to join the Heroes Program? ENROLL TODAY!

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