Deposit

Our diverse portfolio of deposit products helps you reach those goals with financial solutions that put our members first.

Save

Our members are unique and each of us has a variety of goals and dreams. Our diverse portfolio of deposit products helps you reach those goals with financial solutions that put our members first.

- Deposit $25 to open
- Current Rates
- Benefits
  - FREE Visa Debit Card
  - FREE MCU Cash Card
  - FREE Online Banking
  - FREE Mobile Banking
  - FREE Online Bill Pay
  - 1,000 ATMs in NC
  - Read More
- Minimum Balance: $25 on the last day of the month
- Details: Keep a minimum balance of $25 in your Checking Account on the last day of the month to avoid a $3 minimum balance fee. Keep an average daily balance of at least $25 to earn dividend. Read More
- Deposit $25 to open; Members age 16-22
- Current Rates
- Benefits
  - FREE Visa Debit Card
  - FREE MCU Cash Card
  - FREE Online Banking
  - FREE Mobile Banking
  - FREE Online Bill Pay
  - 1,000 ATMs in NC
  - Read more
- Minimum Balance: $0
- Details: Parent or Guardian must be joint on account until age 18. Becomes a Regular Checking Account upon reaching age 23. Read more
- Deposit $25 to open
- Current Rates
- Benefits
  - FREE MCU Cash Card
  - FREE Online Banking
  - FREE Mobile Banking
  - 1,000 ATMs in NC
  - Read more
- Minimum Balance: $25 on the last day of the month
- Details: Keep a minimum balance of $25 in your Checking Account on the last day of the month to avoid a $3 minimum balance fee. Keep an average daily balance of at least $25 to earn dividend. Read more
- Current Rates
- Benefits
  - FREE Online Banking
  - FREE Mobile Banking
  - Read more
- Minimum Balance: $500 converts to regular savings when balance is below $500.
- Details: Maximize earnings, minimize risk, and keep funds accessible. No penalty for withdrawal, and pays a higher dividend rate than regular savings account with minimum balance of $500. Read more
- Age 60 and older; Call 800-951-8000
- Current Rates
- Benefits
  - FREE Online Banking
  - FREE Mobile Banking
  - FREE Online Bill Pay
  - Read more
- Minimum Balance: $600 converts to regular savings when balance is below $600.
- Details: We offer a Super 60 Savings Account exclusively to our members who are 60 years of age or older. Read more
- Members age 13-20
- Current Rates
- Benefits
  - FREE MCU Cash Card
  - FREE Online Banking
  - FREE Mobile Banking
  - 1,000 ATMs in NC
  - Read more
- Minimum Balance: $0
- Details: Only $5 to open. Parent or guardian must be joint on account until age 18. Read more
- Members age 0-12
- Current Rates
- Benefits
  - FREE Online Banking
  - FREE Mobile Banking
  - Read more
- Minimum Balance: $0
- Details: Teach financial education early and open a Savings Quest Account for your child. $5 to open and no minimum balance requirement. Read more
- Current Rates
- Benefits
  - FREE Online Banking
  - FREE Mobile Banking
  - Read more
- Minimum Balance: $25
- Details: Save for your holiday or travel expenses ahead of time! Read more
- Call 800-951-8000
- Current Rates
- Benefits
  - FREE Online Banking
  - FREE Mobile Banking
  - Read more
- Minimum Balance: $25
- Details: There are 3 types of IRAs. Each type of IRA account has different rules that must be satisfied to receive the tax advantage. If rules are not followed, a tax penalty might occur. Read more
- Current Rates
- Benefits
  - FREE Online Banking
  - FREE Mobile Banking
  - Read more
- Minimum Balance: $2,000 (6mo – 60 mo); $50,000 (jumbo)
- Details: Risk-free and federally insured by the NCUA for up to $250,000. A CD has a fixed term, from five months to five years, and a fixed interest rate. Read more
- Call 800-951-8000
- Current Rates
- Benefits
  - FREE Online Banking
  - FREE Mobile Banking
  - Read more
- Minimum Balance: $25
- Details: Trustee Accounts are deposited in the name of a trustee and controlled by the trustee during his lifetime and Custodian is a Savings Account set up by the custodian for a minor and controlled by the custodian until the minor reaches 18. Read more

How to Open an Account

To open an account, you must be a member. Find out about membership eligibility on our Join MCU page. Apply online or visit your nearest MCU branch location to fill out a Membership Application in person. Existing members may fill out a Subsequent Action form to open new products. Call 1-800-951-8000 (Monday-Friday, 8 a.m. to 5 p.m.) when you need assistance.

Access to Over 5,400 Branches Nationwide

Across the country, there are over 5,400 CO-OP Shared Branch locations and hundreds of Shared Branch express self-service units. That’s more locations with the same personal service wherever you go. As our member, you can visit any credit union where you see the CO-OP Shared Branch and Shared Branch express logo, and conduct transactions just like you were at your home branch. Click here to learn more.

Free 24-Hour Account Access

Another great feature of our deposit accounts is the convenience of 24-hour accessibility. MEMCU Online allows real-time access to all of your accounts and MEMCU Mobile puts your accounts at your fingertips. No matter where you are, Members Credit Union can serve you.

Direct Deposit

Pay yourself first! Have your check directly deposited into your Members CU accounts. Use payroll deduction to allocate how much you want to go to your savings account. It’s the easiest way to build up savings and you don’t have to worry about driving to a branch on payday to deposit a check. Just fill out a Direct Deposit Authorization Form and give it to your employer’s payroll department. Find out more by calling 800-951-8000.

Statements

Every member will receive a statement at least quarterly. Members with a checking account, with ATM transactions, or electronic transactions will receive a statement every month (either paper or electronic eStatement). Your statement, whether you receive it monthly or quarterly, will itemize all your transactions and balances on all your Members CU accounts, including loans.