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    <loc>https://memcu.com/blog/giving-back-at-habitat-for-humanity-restore</loc>
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      <image:title>Members Credit Union Articles and Happenings - Giving Back at Habitat for Humanity ReStore - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2026-07-15</lastmod>
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    <loc>https://memcu.com/blog/what-is-a-certificate-of-deposit-and-is-it-right-for-you</loc>
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    <loc>https://memcu.com/blog/money-market-accounts-explained-when-they-make-sense-and-when-they-dont</loc>
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    <lastmod>2026-06-18</lastmod>
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    <loc>https://memcu.com/blog/supporting-local-businesses-one-visit-at-a-time-in-downtown-gastonia</loc>
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    <lastmod>2026-06-15</lastmod>
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      <image:title>Members Credit Union Articles and Happenings - Supporting Local Businesses One Visit at a Time in Downtown Gastonia - At Members Credit Union, community outreach is about more than dropping off business cards and introducing ourselves. It is about building relationships, supporting local businesses, and finding opportunities to help our communities thrive.</image:title>
      <image:caption>Recently, Members Credit Union spent the day walking through downtown Gastonia, visiting local businesses and introducing them to Members Credit Union. We had the opportunity to meet business owners, learn about their stories, and share how Members Credit Union is committed to being a caring and trusted financial partner in the communities we serve.</image:caption>
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      <image:title>Members Credit Union Articles and Happenings - Supporting Local Businesses One Visit at a Time in Downtown Gastonia - Before we began our visits, we stopped by Graze and Piece Charcuterie, owned by Cayse Phelps, to pick up a special order. We purchased 20 dozen cookie bundles from Chloe's Sugar Rush Cookie Company to share with the businesses we planned to visit throughout the day.</image:title>
      <image:caption>What makes Chloe's Sugar Rush Cookie Company so special is that it is operated alongside Graze and Piece by Cayse's 8-year-old daughter, Chloe. Through her cookie business, Chloe is learning valuable lessons about entrepreneurship, customer service, responsibility, and what it means to own and operate a business. As an organization that believes strongly in financial education and helping people build successful futures, we love seeing young entrepreneurs like Chloe gain hands-on experience at such an early age. The lessons she is learning today can help shape the opportunities she creates tomorrow. The cookie bundles gave us a fun way to introduce ourselves to local businesses while also supporting another local entrepreneur. It was a true community partnership. A local credit union supporting a local business, while helping spotlight the efforts of a young entrepreneur who is already making an impact.</image:caption>
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    <loc>https://memcu.com/blog/makingwavesagainstcancer</loc>
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    <lastmod>2026-06-12</lastmod>
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    <lastmod>2026-05-21</lastmod>
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    <loc>https://memcu.com/blog/how-to-use-multiple-checking-accounts-to-control-your-spending</loc>
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    <lastmod>2026-05-14</lastmod>
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    <loc>https://memcu.com/blog/spring-clean-your-finances-in-5-simple-steps</loc>
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    <lastmod>2026-05-12</lastmod>
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    <loc>https://memcu.com/blog/what-impacts-your-auto-loan-approval-beyond-your-credit-score</loc>
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    <priority>0.5</priority>
    <lastmod>2026-04-08</lastmod>
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    <loc>https://memcu.com/blog/turning-fun-into-impact-how-our-ignite-training-day-supported-abc-of-nc</loc>
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    <lastmod>2026-04-08</lastmod>
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      <image:title>Members Credit Union Articles and Happenings - Turning Fun Into Impact: How Our IGNITE Training Day Supported ABC of NC</image:title>
      <image:caption>At Members Credit Union, community impact is not something we talk about once a year. It is something we live out together.</image:caption>
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    <loc>https://memcu.com/blog/communityimpact</loc>
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    <lastmod>2026-03-17</lastmod>
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    <loc>https://memcu.com/blog/new-vs-used-auto-loans-which-option-makes-sense-for-your-budget</loc>
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    <lastmod>2026-04-30</lastmod>
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    <loc>https://memcu.com/blog/96month</loc>
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    <lastmod>2026-03-16</lastmod>
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    <loc>https://memcu.com/blog/how-much-car-can-you-really-afford-a-monthly-payment-breakdown</loc>
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    <lastmod>2026-02-02</lastmod>
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      <image:title>Members Credit Union Articles and Happenings - How Much Car Can You Really Afford? A Monthly Payment Breakdown - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://memcu.com/blog/putting-heart-into-action</loc>
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    <lastmod>2026-02-10</lastmod>
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      <image:title>Members Credit Union Articles and Happenings - Putting Heart Into Action - Pictured Left to Right:</image:title>
      <image:caption>Pictured from left to right: Lynne Massaroni, MCU’s Business Development Specialist Selene Johnson, ABC of NC’s Executive Director Jon Hamby-Lattimore, MCU’s Community Outreach Specialist Erin Richardson, ABC of NC’s Director of Development Jessica Smith, MCU’s Business Development Manager</image:caption>
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      <image:title>Members Credit Union Articles and Happenings - Putting Heart Into Action - Learning More!</image:title>
      <image:caption>Selene shares the mission, purpose and work of ABC of NC with Jessica, Jon and Lynne.</image:caption>
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      <image:title>Members Credit Union Articles and Happenings - Putting Heart Into Action - The Grand Tour!</image:title>
      <image:caption>Erin takes time with Jessica, Jon and Lynne to show them around the campus.</image:caption>
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    <lastmod>2025-12-30</lastmod>
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      <image:title>Members Credit Union Articles and Happenings - Preparing for Winter Emergencies: Saving Tips for Unexpected Expenses - Unexpected Expenses</image:title>
      <image:caption />
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  <url>
    <loc>https://memcu.com/blog/2026-annual-meeting</loc>
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    <priority>0.5</priority>
    <lastmod>2026-02-10</lastmod>
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  <url>
    <loc>https://memcu.com/blog/top-tips-for-safe-holiday-shopping</loc>
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    <priority>0.5</priority>
    <lastmod>2025-12-30</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/683def53aa22985675c50e4e/1765258749315-TR93XUDQE0GLW0M3LXSX/MEMCU+December+Blog.png</image:loc>
      <image:title>Members Credit Union Articles and Happenings - Top Tips for Safe Holiday Shopping</image:title>
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  <url>
    <loc>https://memcu.com/blog/protect-your-home-and-your-budget-with-members-credit-union-home-warranty-powered-by-coverly</loc>
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    <priority>0.5</priority>
    <lastmod>2026-02-10</lastmod>
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    <loc>https://memcu.com/blog/what-to-do-if-youre-struggling-with-auto-loan-payments</loc>
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    <priority>0.5</priority>
    <lastmod>2025-11-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/683def53aa22985675c50e4e/5b8614a2-efa3-44f5-bd9e-1cc38230b255/Auto+Loan+Payments</image:loc>
      <image:title>Members Credit Union Articles and Happenings - What to Do If You’re Struggling with Auto Loan Payments - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://memcu.com/blog/ach-pending</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-20</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/683def53aa22985675c50e4e/a107d6c9-4095-46c7-827d-8d497015d517/Debit-1-1.webp</image:loc>
      <image:title>Members Credit Union Articles and Happenings - View Your ACH Pending Deposits and Drafts&amp;nbsp; - Make it stand out</image:title>
      <image:caption>To view the details of the ACH transaction, click the pending tile and a drop down box will provide a detailed overview; see the example below:</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683def53aa22985675c50e4e/c8e1e699-efe9-43b5-82c7-fb7ed96109d1/Debit-2-2.webp</image:loc>
      <image:title>Members Credit Union Articles and Happenings - View Your ACH Pending Deposits and Drafts&amp;nbsp; - Make it stand out</image:title>
      <image:caption>Pending transaction shown above.</image:caption>
    </image:image>
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  <url>
    <loc>https://memcu.com/blog/be-the-hero-38500-raised-for-childrens-cancer-partners</loc>
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    <lastmod>2025-12-26</lastmod>
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      <image:title>Members Credit Union Articles and Happenings - Be The Hero: $38,500 Raised for Children’s Cancer Partners</image:title>
      <image:caption>Over the summer, MCU invited our members to join us in making a difference by donating directly to CCP and purchasing our custom “Be The Hero” t-shirts. Every dollar raised was matched dollar for dollar by Members Credit Union, doubling the impact of each gift.</image:caption>
    </image:image>
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  <url>
    <loc>https://memcu.com/blog/what-is-members-cus-routing-number</loc>
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    <lastmod>2025-12-26</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/683def53aa22985675c50e4e/bdc96aff-72f5-4f9a-b164-2a6cf06864c3/OLB-3-01.webp</image:loc>
      <image:title>Members Credit Union Articles and Happenings - What is Members CU's Routing Number - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683def53aa22985675c50e4e/ce0cde69-3691-48b6-bf08-59329c2986c3/OLB-3.webp</image:loc>
      <image:title>Members Credit Union Articles and Happenings - What is Members CU's Routing Number - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683def53aa22985675c50e4e/94ac3039-8254-446f-abcf-2a9b7a2d3cb6/RoutingNumberImage.webp</image:loc>
      <image:title>Members Credit Union Articles and Happenings - What is Members CU's Routing Number - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://memcu.com/blog/back-to-school-budgeting-with-memcu-tools</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-23</lastmod>
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    <loc>https://memcu.com/blog/why-join-a-credit-union-key-benefits-you-should-know</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-09-21</lastmod>
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    <loc>https://memcu.com/blog/annualmeeting2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-22</lastmod>
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    <loc>https://memcu.com/blog/maximize-your-finances-with-members-credit-unions-checking-and-savings-accounts-members-credit-union</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-23</lastmod>
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  <url>
    <loc>https://memcu.com/blog/summer-travel-tips-to-help-you-save-and-soak-up-the-fun</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-22</lastmod>
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  <url>
    <loc>https://memcu.com/blog/be-the-hero-join-our-fight-against-childhood-cancer</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-21</lastmod>
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    <loc>https://memcu.com/blog/what-to-do-if-youve-been-hacked-a-step-by-step-guide</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-22</lastmod>
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    <loc>https://memcu.com/blog/the-dangers-of-public-wi-fi-how-to-stay-secure-on-the-go</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-22</lastmod>
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  <url>
    <loc>https://memcu.com/blog/how-to-create-strong-passwords-and-manage-them-effectively</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-22</lastmod>
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  <url>
    <loc>https://memcu.com/blog/how-to-spot-phishing-emails-red-flags-to-watch-for</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-23</lastmod>
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    <loc>https://memcu.com/blog/smart-financial-resolutions-5-small-changes-that-lead-to-big-savings</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-22</lastmod>
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    <loc>https://memcu.com/blog/avoid-holiday-scams-spotting-fraudulent-deals-online</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-22</lastmod>
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  <url>
    <loc>https://memcu.com/blog/2025-annual-meeting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-22</lastmod>
  </url>
  <url>
    <loc>https://memcu.com/blog/memcus-guide-to-safeguarding-your-finances-in-the-winter-months</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-22</lastmod>
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    <loc>https://memcu.com/blog/budgeting-hacks-for-every-member</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-09-22</lastmod>
  </url>
  <url>
    <loc>https://memcu.com/blog/how-to-set-up-digital-banking-with-members-credit-union</loc>
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    <lastmod>2025-09-22</lastmod>
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    <loc>https://memcu.com/blog/how-can-i-protect-myself-from-scams-members-credit-union</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-22</lastmod>
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  <url>
    <loc>https://memcu.com/blog/getting-the-most-out-of-your-members-credit-union-membership</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-22</lastmod>
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    <loc>https://memcu.com/blog/how-to-protect-your-credit-score-from-scams</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-22</lastmod>
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  <url>
    <loc>https://memcu.com/blog/annualmeeting2024</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-22</lastmod>
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  <url>
    <loc>https://memcu.com/blog/scholarship-recipients-2024</loc>
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    <lastmod>2025-09-22</lastmod>
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    <loc>https://memcu.com/blog/how-to-avoid-paying-unnecessary-fees-at-members-credit-union</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-22</lastmod>
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  <url>
    <loc>https://memcu.com/blog/the-advantages-of-choosing-a-credit-union-over-a-bank</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-22</lastmod>
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    <loc>https://memcu.com/blog/overpayment-scams</loc>
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    <lastmod>2025-09-22</lastmod>
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  <url>
    <loc>https://memcu.com/blog/financial-literacy-month</loc>
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    <lastmod>2025-09-22</lastmod>
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    <loc>https://memcu.com/blog/reality-fair-a-bite-of-reality</loc>
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    <lastmod>2025-09-22</lastmod>
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    <loc>https://memcu.com/blog/the-benefits-of-membership-at-members-credit-union</loc>
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    <lastmod>2025-09-22</lastmod>
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    <loc>https://memcu.com/blog/best-time-to-refinance-an-auto-loan-saving-money-on-your-ride</loc>
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    <lastmod>2025-10-07</lastmod>
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      <image:title>Member Discounts - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Resources - Financial Education on Demand</image:title>
      <image:caption>Learn about managing money from home.</image:caption>
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    <loc>https://memcu.com/financial-education-at-home</loc>
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      <image:title>Youth Accounts - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2025-09-22</lastmod>
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    <lastmod>2026-03-09</lastmod>
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    <loc>https://memcu.com/borrow/debt-consolidation-loans</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-12</lastmod>
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  <url>
    <loc>https://memcu.com/borrow/home-mortgage</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-06</lastmod>
    <image:image>
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      <image:title>Home Mortgage - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Home Mortgage - Home Purchase</image:title>
      <image:caption>Your story begins with the life that you build inside the walls of your home. Whether you are purchasing your first home or moving up into a larger home, The Sharpe Mortgage team will find a loan program to fit your financial situation and goals for the future.</image:caption>
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      <image:title>Home Mortgage - Refinance</image:title>
      <image:caption>By refinancing you might be able to lower your interest rate, eliminate PMI, take out equity, pay for expenses, or shorten your tem. We would love to review your mortgage with you to determine if this may be the ideal opportunity to refinance your mortgage loan.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Home Mortgage - Renovation</image:title>
      <image:caption>Finance both the cost of the home and the desired repairs all in one mortgage. A renovation loan may allow you to choose the right home in the right location, expand your home to fit your needs, or make major repairs to keep your home safe for your family.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Home Mortgage - Physician Loans</image:title>
      <image:caption>Physician Loans are special home loan options for new and established doctors. If you are a medical doctor with an MD, DO, DDS, DVMM, or DMD purchasing a primary residence, you might qualify. Some benefits include fixed and variable interest rates, up to 0% down, expansive loan limits, and no PMI.</image:caption>
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      <image:title>Home Mortgage - Homebuying En Español</image:title>
      <image:caption>Es un privilegio para nosotros ayudar a la comunidad Latinx a comprar y refinanciar sus casas. Si el inglés es tu segundo idioma, los miembros de nuestro equipo están disponibles para hablar español con fluidez para ofrecerte el mejor servicio.</image:caption>
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      <image:title>Home Mortgage - Contact Us</image:title>
      <image:caption>Are you interested in learning more about how The Sharpe Mortgage Team can help you with your home financing needs? Contact us today! We would love to schedule a time where we can discuss your homeownership goals and make a plan to reach them!</image:caption>
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    <loc>https://memcu.com/borrow/home-equity-loans</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2025-11-12</lastmod>
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    <lastmod>2026-03-09</lastmod>
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    <lastmod>2025-09-22</lastmod>
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    <lastmod>2026-03-06</lastmod>
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    <lastmod>2026-02-20</lastmod>
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    <lastmod>2026-04-01</lastmod>
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    <lastmod>2026-08-06</lastmod>
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      <image:title>Invest - As a member of Members CU, you have access to a wide range of financial support, products, and education –thanks to the financial professionals at MEMBERS Financial Services. These services include: Retirement Planning Investment Planning Estate Conservation Insurance Planning Educational Funding Mutual Funds/Annuities</image:title>
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      <image:title>Invest - MEMBERS Financial Services Representative, Paula Moreland, can help guide you through the steps to make sure you’re making wise investment decisions. You can meet with Paula, at no charge and with no obligation for an initial consultation. MEMBERS Financial Services is eager to help you with any of your financial inquiries. Feel free to contact Paula today at: Paula Moreland 2098 Frontis Plaza Blvd. Winston-Salem, NC 27103 (800) 951-8000, x 1111 (336) 748-4800, x 1111 Check the background of this investment professional on FINRA’s BrokerCheck</image:title>
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