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 November 1, 2020.  
Get pre-approved for an auto loan today!
An RV parked by the lake on a beautiful sunset.

RV = Relaxing Vacation

Life - we all need a break sometimes right? Finance your RV with MCECU and get on the open road and experience your journey. 
SINCE 1959

We Are People Helping People

A platinum Mastercard.

New! Mastercard Platinum Rewards Card

EARN REWARDS for each dollar spent!
Contactless Feature
No Annual Fee
Mastercard ID Theft Protection – Free to you!

Note: All members who currently have active Visa Cards with MCECU should have now received their new Mastercard Platinum Rewards card. This card replaced your MCECU Visa Card. Please activate and start using your new card. View DETAILS (PDF 3.47MB) or call 901-321-1200 or toll free 1-877-825-3180 with any questions you may have!

A picture of the MCECU mobile App.

Mobile App Links

Here are the quick links to download our New Mobile App!

Apple Users

Android Users

Need Assistance Logging In?
View our first time log in instructions video. Still need help? Give us a call at 901-321-1200, and one of our member service representatives will help walk you through logging in for the first time. 
A man sits in front of a laptop looking at his online banking.

It's here! Your All-New Mobile & Online Banking Experience

We’re always working to improve the services we provide you, our members. Many of you have told us you would like a safer, faster, easier to use Mobile and Online Banking platform. Well, we’ve been hard at work making your requests a reality. We’re excited to announce that a new and improved Mobile and Online Banking experience is here!

The new platform features a wide range of new and upgraded tools and services designed to make it easier for you to manage your money—anytime, anywhere.

View Details

A man writes in a journal on his desk.

Planning for retirement has never been easier.