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.****

A Dodge Challenger car from the back.




























We have New and Used Car Rates* as low as:

1.79% up to 60 months

1.99% 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. Offer expires September 1, 2020.  
Get pre-approved for an auto loan today!
Man on a boat on a lake.

Experience The Water

Get out on the lake and have some fun! Check out our Summer Promotion!
SINCE 1959

We Are People Helping People

A lady smiles while she uses her cellphone to text.

Your Credit Union is Text Messaging. 

With text messaging you can ask questions about deposit transactions, loans, payments, transfers and more, directly from your mobile devices, and get reliable, real-time answers from real people. You can even submit loan documentation.

Young African American is paying in a contactless way.

Contactless pay

Now available with all MCECU credit cards and debit cards. 

Contactless Pay Options

Deposit a check using your mobile phone.

A family holds a baby in front of a house, while the baby holds a set a keys to their new home.First-time Homebuyers,
you have a choice! 
Make it a Great Choice

A man writes in a journal on his desk.

Planning for retirement has never been easier.