A lady pour water on a little tree with dollars sticking out of it.

New! Premium Money Market Account 

  • 3.0% APY* 
  • $20,000 minimum deposit to open account
  • Dividends paid monthly
  • No limit on transfers or amount of transfers
  • No monthly maintenance fees
3.00% APY* (Annual Percentage Yield) is subject to change monthly. 
Premium Money Market is available for personal accounts only. Restrictions apply. 
A dog sits on a beach chair wearing sunglasses on the beach.

Special Vacation Loan  

$500 or $1,000 options. No credit check for approval if applicant meets all minimum requirements as set forth by MCECU.
Restrictions apply. For more information or to apply by phone, call 901-321-1200. Offer ends JUNE 30, 2023. 

A man hands over a coffee to a customer.

Earn 5% cash back when you shop local*

Just use your Mastercard® at participating local shops and restaurants.
For more information, visit local.mastercard.com. *Terms and conditions apply.

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

Become a Member

Joining 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. 

A woman open hands holding a paper cut out of a family.
People Helping People 
Why being a CDFI matters to Memphis City Employees Credit Union -- and you.

As a certified Community Development Financial Institution (CDFI), MCECU is mission driven. We are dedicated to providing financial services that meet the needs of everyone we serve – including people and communities typically underserved by traditional banks. Read more. 
A man writes in a journal on his desk.

Planning for retirement has never been easier.