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 dog sits on a beach chair wearing sunglasses.




























$500 or $1,000

Vacation Loan! 

Before you head off on your next getaway, be sure to check with us for quick cash! 
Convenient Payroll Deduction and Auto Transfer options. 

Restrictions apply. Income Verification and Credit approval required. Offer ends June 30, 2021. 

apply using Our fast and secure online application
A car on a road during sunset.

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!
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
Transfer Your Credit Card Balances to Your MCECU Mastercard!

And, receive 0% intro APR for 12 months! No transfer fee. Minimum transfer amount of $50.00. Visit the link below for details! 

Balance Transfer Offer

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.
A man sits on a motorcycle on a road during sunset.Love to Ride?
Now thru June 30, 2021, we have loan rates as low as 2.79% APR* for 60 months, 3.49% APR for 72 months and 3.99% APR for 84 months.

Our motorcycle loans make it easy to get the bike you’ve always wanted. Finance with us and put your helmet on and get ready to hit the open road.

*Annual Percentage Rate. Loan rates vary – depending upon individual’s credit score and term. All loans are subject to credit approval. MCECU refinances do not apply. Restrictions may apply.  

A man writes in a journal on his desk.

Planning for retirement has never been easier.