A car is parked at night.

Are you thinking about purchasing a vehicle? 

We have rates as low as: 

1.99% APR1 36 months

2.49% APR1 60 months

2.79% APR1 72 months

1APR = Annual Percentage Rate. 1.99% APR is the lowest rate available for 36 months. 2.49% APR is the lowest rate available for 60 months. 2.79% 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!
Small trees growing on top of coin stacks.

Certificate of Deposit Special Offer!


11 Month CD at 1.50% APY*

Minimum Deposit $1,000

Maximum Deposit $50,000

Take advantage of our Limited Time Offer. Rate effective May 2, 2022. Call us at 901-321-1200 or visit our Avery, Mt. Moriah, Whitten, or Stage Road Branch. *APY = Annual Percentage Yield. All MCECU Certificates are subject to eligibility, address and identification verification, and qualification. Contact us for details on rate, terms, penalties, and conditions that may apply. We will or may impose a 60 day early withdrawal penalty if you withdraw funds from the principal prior to the CD maturity date. 
Find a Branch

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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   

We are hiring.

Join Our Team!

We have Teller Positions available! We are seeking APPLICANTS for Part-time Teller and Call Center positions. Cash handling experience required. Credit Union or banking experience a plus. High School diploma or equivalent required. Basic computer skills required as well as a good aptitude for math. Must be willing to learn and display a good working knowledge of financial products and services. Strong interpersonal skills and a willingness to always create a positive member service experience required. Very Competitive Pay. Email your resume to: APPLICATIONS@MEMPHISCU.ORG

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

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Planning for retirement has never been easier.