A car is parked at night.

Are you thinking about purchasing a vehicle? 

We have rates as low as: 

2.49% APR1 60 months

2.99% APR1 72 months

1APR = Annual Percentage Rate. 2.49% APR is the lowest rate available for 60 months. 2.99% APR is the lowest rate available for 72 months. All loans are subject to credit approval. Other restrictions apply.
Get pre-approved for an auto loan today!
A dog wearing shades and sitting on a beach chair.

Special Vacation Loan!*


$500 and $1000 options

14.99% Annual Percentage Rate

6-month repayment terms

*No credit check for approval if applicant meets all minimum requirements as set forth by MCECU. Other restrictions may apply. For more information or to apply by phone, call 901-321-1200.

The Memphis bridge during sunset.
Our Branches will be closed Monday, July 4, 2022 in observance of Independence Day.
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!

Transfer a Balance from another Credit Card to you MCECU Platinum Rewards Card and receive 0% APR* for 12 MONTHS. *See rates, rewards, and other information below. 

Don't have our card? APPly NOW

Wood tiles with the words: Become A MemberJoining 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. 

Balance Transfer Offer

0% intro APR* for 12 months on balance transfers.

After the promotional offer expires remaining balance will migrate to the standard APR* applicable on your account.

  • No balance transfer fee!
  • Minimum transfer amount of $50.00.

*See rates, rewards, and other information

A man writes in a journal on his desk.

Planning for retirement has never been easier.