A miniature tree with little money bags and a stack of coins.



 
 
 
 
 
 
 
 

Grow your savings! 

Open a Certificate of Deposit today.

12 Month Term - 1.85% APR*, 1.86% APY**
24 Month Term - 1.95% APR*, 1.96% APY**
36 Month Term - 2.05% APR*, 2.07% APY**

Minimum $1000. *APR = Annual Percentage Rate. **APY = Annual Percentage Yield. Rates effective November 14, 2022.
Please contact us for details on the rates, terms, penalties, and conditions that may apply. Rates subject to change without notice.
 
The Memphis bridge during sunset.

 

 

 

Joining your credit union only takes a few minutes! See below for details. 

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Special Holiday Loan*

  • $500 and $1000 options
  • 6-month repayment terms
  • 15.99% Annual Percentage Rate 
  • Payroll Deduction / Auto Transfer Payment Options 
  • No application fees 
  • Membership with MCECU of 1 year or more required
  • 1-year continuous verified employment required 
  • Direct Deposit  / Payroll Deduction MCECU relationship required 
  • Must be in good standing with MCECU
  • Must not be in Bankruptcy 
*No credit check for approval if applicant meets all minimum requirements as set forth by MCECU. Other restrictions apply.
  Ready to apply? Use our fast and secure Loan Application. 
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!

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   

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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. 


Lady checks cellphone.

Our Mobile App has a New Look!

We’ve revamped our MCECU Mobile Banking App. Check out our user friendly design and simple navigation flow.

Move quickly and conveniently using key features and services so you can bank anywhere, anytime.  

App Stores.

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Planning for retirement has never been easier.