A diverse group of people holding hands.

People Helping People/CDFI

A woman open hands holding a paper cut out of a family.


Why being a CDFI matters to Memphis City Employees Credit Union -- and you.

As a certified Community Development Financial Institution (CDFI), MCECU is mission driven. We are dedicated to providing financial services that meet the needs of everyone we serve – including people and communities typically underserved by traditional banks.

A building drawing with the words Credit Union.

We are proud to be a CDFI for the Memphis region. We believe CDFIs should be defined by what they do, not just where they are located.
We offer a range of products and services that meet the specific needs of the people in our community. We even have products and services designed for people with low credit scores or no credit histories including:

  • No credit score checking accounts with free online and mobile banking
  • No monthly service charge checking accounts
  • Debit cards to all checking account holders
  • Low – or no-score personal loans
  • Low – or no-score auto loans
  • Low fixed-rate Mastercard Credit Cards with no annual fee and rewards
  • Share-secured Mastercard Credit Cards
  • No credit check/Semi-annual helping hand loans
  • Annual Skip-a-payment loan opportunities

In accordance with federal laws and U.S. Department of the Treasury policy, this organization is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. To learn how to file a complaint, USE this link (PDF 1.54MB).

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.

YES         NO