The Memphis bridge during sunset.







The Safety of our community and our employees is our highest priority. Some of our branches are now open inside, with social distancing measures in place. ATMs are available 24 hours a day with free access at all CO-OP ATMs. For non-cash transactions, you can access all of your accounts using our Online Services and mobile banking services without leaving the comfort of your home. ****Please be aware of scams and phishing attempts, especially during this time.****

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We have New and Used

Car Rates* as low as:

1.99% up to 60 months

2.29% up to 72 months

*Loan rates vary - determined by each individual's credit history.
All loans are subject to credit approval. MCECU refinances do not apply. Restrictions may apply.   
Get pre-approved for an auto loan today!
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Stimulus Deposits

Visit our News and Alerts Page for 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!
Don't have our card? APPly NOW
A picture of the MCECU mobile App.

Mobile App Links

Here are the quick links to download our Mobile App.

Apple Users

Android Users

A picture of the MCECU self-register page. New to Online Banking?
You can now register for online banking yourself! Manage your MCECU accounts simply and securely. And, it takes only a few minutes to register.
A man sits in front of a laptop looking at his online banking.

Mobile & Online Banking Experience

We’re always working to improve the services we provide you, our members. Many of you have told us you would like a safer, faster, easier to use Mobile and Online Banking platform. Well, we’ve been hard at work making your requests a reality. We’re excited to announce that a new and improved Mobile and Online Banking experience is here!

The new platform features a wide range of new and upgraded tools and services designed to make it easier for you to manage your money—anytime, anywhere.

View Details

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Planning for retirement has never been easier.