Consumer Products

What are you looking for?

At Monroe County Community Credit Union, we take the time to find out because we care about you!

Experience the difference of credit union membership, where you are more than just another customer. You are a member who is an owner of a not-for-profit financial cooperative that has a strong, shared commitment to the financial well-being of its members.

We offer a wide range of products and services, each designed with our members needs in mind. Our knowledgeable staff is committed to serving our members with high-quality personal and professional service.

Deposit

Monroe County Community Credit Union offers a variety of deposit products to meet our members' many savings needs. Whether you're planning for a major purchase, a child's education, or a family vacation; MCCCU has a savings plan designed to meet your financial needs. Ask one of our knowledgeable member representatives about:

Loyalty Bonus Program
High Yield Account
Money Management Account (pay bills automatically)
Individual Retirement Account (IRA)
- Traditional IRA
- Roth IRA
- Educational IRA
Direct Deposit
Debit Mastercard
ATM Card
Captain Cash & the $uper $avers Kids Club

Checking

Do you need a simple and convenient way to manage your checking account? We have the perfect account for you.

No minimum balance and no monthly maintenance fee:

FREE Checking

No minimum balance required
Unlimited check writing privileges - no per check fee
Free Debit/ATM card
- Debit and credit transactions are limited to $1,000/day or 14 transactions/day, whichever come first
Free Online Services: Home banking (MOON), Online Bill Pay, eStatements
Non-interest bearing
Qualifies for Loyalty Bonuses

If interest is what you want, an Investment Checking account is right for you! We wish to recognize those members that maintain large deposit balances with MCCCU and our Investment Checking Account does just that.

Investment Checking

Earn dividends
No monthly maintenance fee when you maintain a minimum balance of $2,500 in your account
Interest rate of .05%. If you maintain a balance of over $10,000, the interest rate is .1%
1 free box of checks per year
Unlimited check writing privileges - no per check fee
Free Debit/ATM card
- Debit and credit transactions are limited to $1,000/day or 14 transactions/day, whichever come first
Free Online Services: Home banking (MOON), Online Bill Pay, eStatements
Qualifies for Loyalty Bonuses

Check Guard Now Available!

MCCCU will honor overdrafts up to $500 in share draft (checking) accounts and $100 in Money Management accounts, while charging a nominal fee per transaction*. Check Guard will honor transactions from the account up to the limit set, while allowing a 30 day grace period to bring the account back to a positive balance. These funds can be accessed:

Automatically when items clear the account, such as checks & debits
Manually with ATM and cash withdrawals

If overdrawing your account is not a concern, then you will not notice any changes with the exception of ATM receipts. There are two balances shown, one is the Actual Balance and the other is Total Balance with Check Guard funds. Please refer to the Check Guard Policy that was mailed to you for complete details or contact us during business hours. If you would like to opt out of, your request must be in writing.
*Check Guard for qualifying members only; $30 fee for each Check Guard transaction

Overdraft Protection

A Great Alternative To Float Time!

Instead of hoping checks don't clear until payroll arrives, take advantage of Overdraft Protection.

Select an overdraft source: savings or line of credit.
If you write a check and don't have the funds available, your checks will be paid using your overdraft source so you will not incur NSF fees.
There is no cost to apply for a line of credit as a backup overdraft source. If used, you simply pay back the amount plus interest.

Age 50 and better

If you are age 50 or better, you will now receive additional perks for having your checking account at MCCCU.

If you are 50 and better and open a free checking account with direct deposit or an investment checking account, you can
receive a free box of checks each year.

Loans & Credit Cards

Home Inprovement Loan Special
Rates as low as 7.25% APR, up to $20,000
APR = Annual Percentage Rate. Quoted rate is the lowest available rate. No loyalty bonueses. Rates and terms are subject to change without notice.
Subject to credit approval.

Here at MCCCU, we have a team of lending professionals to assist members in choosing the best loan to meet their individual needs. If you would like to save valuable time, please click on our Pre-Approval Loan Request Form. Complete the form at your convenience and bring into any one of our five branches for a quick pre-approval to see if you qualify!

Automobile Loans
- Dealership Partners
- Recreational Vehicle Loans
- Aut oSMART - Browse here before the showrooms!

Real Estate Loans

Credit Cards
- Official VISA Platinum Rewards Application
- VISA Home Equity Card
- Overdraft Protection
- New VISA Travel Card
- Prepaid VISA Gift Card

VISA Platinum Rewards Card

MCCCU now offers a VISA Platinum Rewards credit card. Reward points are given for each dollar you spend with your VISA Platinum Rewards credit card. Rewards can easily be redeemed for travel perks, brand name merchandise and electronics. We offer a low, competitive interest rate on the VISA Platinum Rewards credit card as low as 9.99% APR.

To learn more about the VISA Platinum Rewards credit card, click on the Official Application above!