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We’re here to serve you!

Savings account

  • 6 convenient branches in the Memphis area
  • City and MLGW Payroll deduction – posts on Thursday
  • Free ATM card with unlimited transaction usage
  • 30,000 Free ATMs Nationwide
  • Interest paid on all accounts
  • No minimum withdrawal amounts
  • No limit on how often withdrawals are made

Free checking account

  • No credit approval required at account opening
  • No minimum balance requirements
  • Contactless/ chipped debit card with each account with unlimited usage - free
  • Direct Deposit from City of Memphis and MLGW posts on Thursday
  • Free mobile and on-line banking and E-statements
  • Free Bill-Payment services with your on-line banking
  • Free transfer from share to checking (over the counter, by phone, or on-line)
  • Overdraft privilege available after 60 days of account opening; in good standing
  • No monthly service charge

Other accounts

  • Certificates of Deposits and IRAs
  • Money Market Accounts
  • Christmas Club Accounts

Membership Eligibility

You may become a member of Memphis City Employees Credit Union if:

You are employed with the City of Memphis
You are employed with the City of Bartlett
You are employed with Airport Authority
You are employed with Memphis & Shelby County Library
You are employed with MLGW
You are employed with Smith & Nephew
You are employed with the IRS Service Center in Memphis, TN
You are employed with MCR Safety
You were eligible for membership with Smith & Nephew Employees Credit Union
You were eligible for membership with Agility Financial Credit Union

This includes spouses of persons who have passed away while within the field of membership of this credit union, persons retired as pensioners or annuitants from the above employment, and members of the immediate family or household of the above field of membership.
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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Our Switch Kit makes it easy for you to quickly and securely switch your direct deposits and recurring ACH payments to a new or existing MCECU account.
(Note: Not for debit card transactions.)
Arrows with the words Switching Made Easy.

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Planning for retirement has never been easier.