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Fee Schedule

Effective October 1, 2021
Excessive Withdrawal (IRA) $10.00, after (3) per year
Account Withdrawal (Christmas Club)  $1.00/Withdrawal
$25.00/Item (each submission/resubmission) 
Overdraft  $25.00/Item 
Overdraft Protection $25.00/Item 
Returned Item
$25.00/Item (each submission/resubmission) 
Stop Payment
Check Image Fee $2.00
ACH Overdraft
Card Replacement
Debit Card Overdraft
Rush Debit / ATM Card
$20.00 2nd Day if requested before noon. 
Mastercard Late Fee $20.00
Wire Transfer $20.00
Loan Late $20.00
Return Loan Payment  $25.00 (each submission/resubmission) 
Official Check $1.00
Non-Member Check Cashed $5.00
Business Non-Member Check $20.00
Statement Fee  $1.00
Returned Statement  $5.00
Dormant Account $5.00/Month after 2 years of no activity 
Escheat $20.00
Printout Fee $1.00
Research Fee $20.00 (hourly)
Returned Mail $5.00
A lady uses an ATM.

Locate Free ATMs now!

Don’t spend your money to get your money!

Over 30,000 Surcharge-Free ATMs

That's more than most of the biggest banks. CO-OP Network, owned by credit unions, offers more than 30,000 ATMs located at credit unions and retail locations throughout the U.S.

Download the CO-OP app from the Apple App Store or the Google Play Store. Click on the button below to Find an ATM near you!

Become a MemberJoining your credit union only takes a few minutes!

Here's what you'll need: 
Your SSN
Your Driver's License or State ID
Your Contact information

Do you already have a 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.

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Apply for a loan from the comfort of your home.