Memphis City buildings at night, near the Mississippi River.
The safety and well-being of our community is our highest priority. Our branches with drive thru services are accessible by drive-thru only during business hours. 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.**** 
African American couple drive down the road with beautiful sunset.

Enjoy the open road with rates as low as 1.79%

Get pre-approved for an auto loan today!
The Memphis City Bridge at night.

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 picture of hand prints forming a heart.

Emergency Relief Skip-A-Pay

We are here to help you at this time of uncertainty – click below for details on how to skip your remaining April and May loan payments.


Young African American is paying in a contactless way.

Contactless pay

Now available with all MCECU credit cards and debit cards. 


A "beware of scams photo" with words written.

Avoiding Scams

Unfortunately, some people and companies are taking advantage of the fears surrounding the spread of the Coronavirus. Do not let fear cloud your judgment when accessing links from emails and social media.


The National Credit Union Association Log.

The shares in Memphis City Employees Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States Government. Credit union members have never lost even a penny of insured savings at a federally insured credit union. For more information about how your funds are insured by the NCUA, 


A man writes in a journal on his desk.

Planning for retirement has never been easier.