The Memphis bridge during sunset.

The Safety of our community and our employees is our highest priority. Our 6 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 toy car on a table next to a set of car keys.




























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

1.79% up to 36 months

1.99% up to 60 months

2.49% 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 July 1, 2020.  
Get pre-approved for an auto loan today!
Memphis City buildings at night, near the Mississippi River.

Open a Share/Savings Account

At MCECU we pay you dividends on your account no matter what the balance is!
SINCE 1959

We Are People Helping People

A man an his young son plant a tree outside.

Give Yourself a Spring Break...

Check out our Spring Loan, $500 or $1000, on a 6 month term. Convenient payroll deduction and auto transfer options available. Applying for a loan is easy.

Young African American is paying in a contactless way.

Contactless pay

Now available with all MCECU credit cards and debit cards. 

Contactless Pay Options

How to deposit a check using your mobile phone.

MCECU Stage Branch building.

New Stage Road Branch Opened Monday, May 18th 

Our Stage Road branch located at 5705 Stage Road Suite 2, Bartlett, TN 38134 closed at the end of the business day on Friday, May 15th  and re-opened on Monday, May 18th at our new location 0.14 miles away. The new address is: 5751 Stage Road Bartlett, TN 38134

More Branch Information

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Planning for retirement has never been easier.