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.

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!