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Personal Banking
Serving All the Heroes in Our Community with Better Banking
No matter your financial history or where you are in your financial journey, MCU has a variety of personal banking products with competitive rates and flexible terms—and the tools and educational resources you need to create an exceptional financial future.
MCU Makes Personal Banking More Personal.
From checking and savings to planning for retirement, MCU offers personal banking products designed to adapt to meet your changing needs and goals—with personal service and resources that make it easy to stay informed while you manage every dollar.
Checking Products
Managing your everyday banking has never been easier. Get paid as soon as possible with direct deposit, manage your money on the go, enjoy easy ATM access, and get real-time transaction updates to keep your spending on track.
Savings Products
In addition to the Share Account (our Hero Savings) required for membership, MCU offers a wide variety of other savings products to help make sure each dollar is working harder for you—no matter your savings goals.
IRAs
MCU members can prepare for their financial futures with fixed or variable rate options on both traditional IRAs (designed to allow pre-tax contributions) and Roth IRAs (designed to allow tax-free withdrawals upon retiring).
Credit Cards
From building credit to getting cash back on your everyday spending, our VISA® credit card options are designed to meet all of our members’ credit needs.
MCU² Student Banking
Students between the ages of 17 and 24 get access to MCU2 Student Banking, designed to help them start their financial journey on the right foot.
Account Services
MCU provides personal account services such as loans, access to insurance through our trusted partners, and helpful educational resources that bring you closer to achieving your financial goals.
Banking That’s Always by Your Side
Access the information you need, when you need it with our easy-to-navigate digital banking platform. Discover helpful tools and settings that make banking smarter, not harder.
Accessible Banking Products
Designed for Your Success.
Whether you’re looking to purchase a car or home, pay for something urgent, make a dream come true, or insure what matters most, MCU has your back. Enjoy member-friendly terms, competitive rates, and educational resources designed to put you on the path to an exceptional financial future.
Auto Loans
MCU offers extensive auto-purchasing options, from auto loans with low rates and flexible terms, to the MCU car buying service that helps you save money on your vehicle purchase.
Home Loans
We offer both home equity loans and mortgages to help our members purchase and thrive in the homes of their dreams, with competitive interest rates and member-friendly lending terms.
Personal Loans
MCU is ready to assist with personal loans up to $50,000, paired with low interest rates and affordable payments to help you cover important or unexpected needs.
Member Resources
Our members have access to a wide selection of free educational resources that are designed to guide them through life’s financial ups and downs, with actionable tools and information specific to their needs and goals—wherever they are on their financial journey.
Insurance
Together with our partners at TruStage® and PFP, we offer our members access to Term and Whole Life, Auto, Home, and AD&D insurance—because we're committed to helping you protect what matters most.
No Matter Where You Are in Life,
We’re Right There with You.
At MCU, we believe that a credit union should be a lifelong source of financial education and support—from planning for college to saving for retirement and everything in between.
That’s why we’ve curated specialized recommendations for products and services designed to help you meet your goals (both short-term and down the road), based on your changing needs and priorities.
Make the Most of Your MCU Membership.
Membership in our community is about more than just banking. As an MCU member, you can access valuable information and resources to help you plan and reach your financial goals.
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All about Private Mortgage Insurance (PMI)
What to Consider Financially As A First-Time Homebuyer
Mortgages 101: Getting Started on The Path to Homeownership
Ready to Join the MCU Community?
Apply now to get access to the competitive rates, personal banking products, and educational resources you need to create a foundation for an exceptional financial future.
