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Mastercard Shop Local®

Earn 5% cash back with your eligible Mastercard® and support your community when
you shop local. Other rules and restrictions apply. Click below for details.  

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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. 
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Auto Loans   

New and Used Auto Loans are our specialty!  Get pre-approved to lock in your financing before you shop.

Apply 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

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   

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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. 

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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. 

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Planning for retirement has never been easier.