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Deposit

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

Account Dividend and APY Benefits Minimum Balance Details
Checking
Deposit $25 to open
Apply Now
0.05%
0.05%APY
FREE Visa Debit Card
FREE MCU Cash Card
FREE Online Banking
FREE Mobile Banking
FREE Online Bill Pay
1,000 ATMs in NC
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$25
on the last day of the month
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
MyFi Checking
Deposit $25 to open
Members age 16-22
Apply Now
0.05%
0.05%APY
FREE Visa Debit Card
FREE MCU Cash Card
FREE Online Banking
FREE Mobile Banking
FREE Online Bill Pay
1,000 ATMs in NC
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$0 Parent or Guardian must be joint on account until age 18. Becomes a Regular Checking Account upon reaching age 23.
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Regular Savings
Deposit $25 to open
Apply Now
0.15%
0.15%APY
FREE MCU Cash Card
FREE Online Banking
FREE Mobile Banking
1,000 ATMs in NC
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$25
on the last day of the month
Keep a minimum balance of $25 in your Savings Account on the last day of the month to avoid a $3 minimum balance fee. Keep an average daily balance of atleast $25 to earn dividend.
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Money Market
Apply Now
0.20%
0.20%APY
FREE Online Banking
FREE Mobile Banking
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$500
converts to regular savings when balance is below $500.
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
Super 60 Savings
Age 60 and older
Call 800-951-8000
0.30%
0.30%APY
FREE Online Banking
FREE Mobile Banking
FREE Online Bill Pay
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$600
converts to regular savings when balance is below $600.
We offer a Super 60 Savings Account exclusively to our members who are 60 years of age or older.
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MyFi Savings
Members age 13-20
Apply Now
0.15%
0.15%APY
FREE MCU Cash Card
FREE Online Banking
FREE Mobile Banking
1,000 ATMs in NC
Read More
$0 Only $5 to open. Parent or guardian must be joint on account until age 18.
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Savings Quest
Members age 0-12
Apply Now
0.15%
0.15%APY
FREE Online Banking
FREE Mobile Banking
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$0 Teach financial education early and open a Savings Quest Account for your child. $5 to open and no minimum balance requirement.
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Christmas/Vacation Savings Club
Apply Now
0.05%
0.05%APY
FREE Online Banking
FREE Mobile Banking
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$25 Save for your holiday or travel expenses expenses ahead of time!
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IRA Savings
Individual Retirment Accounts

Call 800-951-8000
0.30%
0.30%APY
FREE Online Banking
FREE Mobile Banking
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$25 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.
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Certificate of Deposit
Apply Now

0.50% to  1.50%
0.50%APY to 1.51%APY
View Rates
FREE Online Banking
FREE Mobile Banking
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$2,000 (6mo – 60 mo)
$50,000 (jumbo)
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.
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Trust & Custodian
Call 800-951-8000
0.30%
0.30%APY
FREE Online Banking
FREE Mobile Banking
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$25 Trustee Accounts are deposited in the name of a trustee and controlled by 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.
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How to Open an Account

To open an account you must be a member. Find out about membership eligibility on our Join MCU page. You can open an account online or print out a Membership Application and take it to the nearest MCU branch location. Existing members may also open a new account online or 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. MCU@Home, online banking, allows real-time access to all of your accounts and MCUmobile 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 a 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 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.

Need Assistance?

Call 1 (800) 951-8000

Auto Loan
APR As Low As
2.75%

24-Month CD
Current APY
1.26%

36-Month CD
Current APY
1.51%