Family smiling in a car.

Sizzling Summer Auto Rates!

4.49% APR1  60 Months
4.99% APR1  72 Months
5.79% APR1  84 Months
 
1 APR = Annual Percentage Rate.
4.49% APR lowest rate 60 months, 4.99% APR lowest rate 72 months, 
5.79% APR lowest rate 84 months. Loans are subject to credit approval. 
New and used auto rates. Other restrictions apply. Offer expires September 30, 2025.
 
Child in front of a school bus.

Are You Ready for Back to School?

 

Getting ready for the start of a new year can be stressful.

MCECU can help! Start the year off right with a personal loan. 

Rates as low as 9.75% APR*.

 

*Annual Percentage Rate

Apply Here

  
SavvyMoney gives you the power to view your FREE, ongoing credit score! Enroll in online or mobile banking!

 

 

 

SavvyMoney Credit Score!

  • Take a financial assessment to gauge your current                                                                              financial habits.

  • Use the Score Simulator to estimate how certain
    actions will affect your credit score.
  • Set a credit goal and track your progress.
 

More Details

SINCE 1959

We Are People Helping People

A platinum Mastercard.

Mastercard Platinum Rewards Card

EARN REWARDS for each dollar spent!
Contactless Feature
No Annual Fee
Mastercard ID Theft Protection – Free to you!
Mastercard  Rewards Program

Don't have our card? APPly NOW

Become a Member

Joining your credit union only takes a few minutes!

Here's what you'll need to get started: 
Your SSN
Your Driver's License or State ID
Your Contact information 

Do you already have a MCECU login?

Log in and choose the Quick Apply Tab for a faster experience. We can prefill part of the application and provide access to your MCECU accounts.

 YES              NO   

A picture of the MCECU self-register page.

New To Online Banking?

You can register for online banking yourself! Manage your MCECU accounts simply and securely. And, it takes only a few minutes to register. 

REGISTER 

A toy frog in a shred bin.

Free Shred for Safety Day!

Bring your old statements, tax returns, bills, or any paperwork with sensitive personal information and we'll shred them onsite.
 
Limit of five (5) file boxes or three (3) trash bags per vehicle. FREE to MCECU members.               
No reservation is required.
 
Date: Thursday, October 16, 2025
Time: 9:00 a.m.- 12:30 p.m.
Location: Mt. Moriah Branch- 2678 Mt. Moriah                               Terrace Cv., Memphis, TN, 38115

A man writes in a journal on his desk.

Planning for retirement has never been easier.