A father and son look at a tablet device and smile while sitting in their living room.

Share/Savings

We offer a variety of products and services to help members of all ages save for the future. Join Memphis City Employees Credit Union by opening a Savings / Share Account with a minimum deposit of $5.

At the MCECU we pay you dividends on your account no matter what the balance is! You never have to worry about a monthly service charge either - we encourage you and your family members to save with us!

Dividends on savings accounts are calculated daily, paid and compounded quarterly. Rates are subject to change quarterly. If you want to keep a portion of your savings separate from your primary account, we also offer secondary savings accounts.

Deposits are insured by the National Credit Union Share Insurance Fund (NCUSIF). As a MCECU member, you do not pay directly for your share insurance protection. MCECU pays into the NCUSIF for you.

For more information about MCECU accounts, call 901-321-1200 or toll-free at 877-825-3180.


Children’s Accounts

At the Memphis City Employees Credit Union we want to be your family’s financial institution. Our children are our future. What better way to teach a child to save than to open them an account with their credit union?

Open your child a savings account with a $10 opening deposit, and we will deposit $10 too! Offer is for new children’s accounts under age 18 only.* 

Just like mom and dad’s accounts, we pay dividends on this account no matter what the balance is! You never have to worry about a monthly service charge either!

Dividends on savings accounts are calculated daily, paid and compounded quarterly. Rates are subject to change quarterly.

*Joint Ownership required for parents, grandparents or guardians. (Joint owner must be a MCECU member. A copy of child’s social security card is required to open.)

The Co-op ATM partnership logo.

Co-Op Network

Find  over 30,0000 FREE ATMs 
all over the US
A man holds a credit card as he inputs information into a laptop.

Access Mastercard Online

Log in to access your online account, or register for
an account today!
A man and woman sit together on a couch and look at a tablet.

Apply for a loan from the comfort of your home.