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About Monroe County Community Credit Union

What is MCCCU's routing number?

MCCCU's routing number is 272482883.

Who can join Monroe County Community Credit Union?

To join MCCCU, you need to live, work, worship, or attend school in one of the following 10 counties: Monroe, Wayne, Washtenaw, Lenawee, Hillsdale, Jackson, Ingham, Livingston, Oakland, or Macomb. You can also qualify for membership if you are related to a current member or live in the same household as a current member!

How can I apply for membership at Monroe County Community Credit Union?

To become a member of MCCCU, visit one of our 5 locations!

Where are your branches located?

Please click here to view our locations and hours.

What are your business hours?

Our Telegraph, Winchester, Temperance, and Newport busienss hours are:

  • Monday – Wednesday 9:00 AM – 4:30 PM
  •  Thursday – Friday 9:00 AM – 5:30 PM
  • Saturday   9:00 AM – 1:00 PM (Telegraph the only full-service location, all others drive thru only)

Our River Rouge business hours are:

  • Monday – Friday 9:00 AM – 1:00 PM (closed for lunch 1:00 PM – 2:00 PM) 2:00 PM – 4:30 PM

Our Call Center business hours are:

  • Monday - Wednesday 8:00 AM 4:30 PM
  • Thursday - Friday 8:00 AM 5:30 PM
  • Saturday 9:00 AM 1:00 PM

You can also click here to view our full locations and hours.

What is the email address for the credit union?

You can contact MCCCU by email at contact_us_monroe@mcccu.org. For your security, please do not include personal information such as your account number, SSN, date of birth, etc. in any email correspondence to the credit union.

What is the fax number for the credit union?

You can fax information to the credit union at 734-242-6911.

Account Questions

What do I need to open an account?

To open an account with MCCCU, you will need to visit one of our five locations and bring a valid ID with a current address. If you are in the process of transitioning to a new address, you can bring a utility bill from your new address or go to the Secretary of State to have your address updated. Keep in mind that P.O. Boxes are not considered a valid physical address. You will also need a $5.00 deposit (this is your buy-in to the credit union cooperative!) to open your savings account.

What do I need to open a minor account?

Our minor accounts are very popular! To open a minor account with MCCCU, you will need to bring in the child’s social security card. If the child is between the ages of 16-18, we will need to see a current form of photo ID (school ID, driver’s license, State issued ID). A legal guardian will need to be joint on the account until the minor turns 18.

How do I change my address on my account?

You can change your address through our online banking system. After logging in, hover over the ‘Info Center’ tab—this will bring up two columns. Click on ‘Personal Information’ in the ‘My Information’ column and follow the prompts to change your address.

How do I add a joint owner to my account?

To add a joint owner, you’ll visit one of our 5 locations to speak with a Member Relationship Specialist. Bring the person you’re looking to add to the account and make sure they bring a valid ID. Keep in mind, all of the owners on the account must sign to add the new joint owner.

How do I remove a joint owner from my account?

Only the joint owner who is being removed will be able to take themselves off of the account. They will need to visit one of our locations and speak with a Member Relationship Specialist.

How do I sign up for direct deposit?

If your employer offers direct deposit, give the payroll department MCCCU’s routing number (272482883) and your MCCCU account number.

How do I switch to MCCCU if I currently bank elsewhere?

We do everything we can to make the transition to the credit union go as smoothly as possible! Visit one of our locations and an Member Relationship Specialist will walk you through the process.

Certificates of Deposit Questions

What is a Certificate of Deposit?

A Certificate of Deposit (CD) is a savings certificate entitling the bearer to receive interest. A CD bears a maturity date, a specified fixed interest rate and can be issued in any denomination over $1,000. When you open a CD, your money is on deposit for a specific time period. For agreeing to keep it on deposit for a specified time period, you earn more than you would in a regular savings account. Keep in mind, if you cash it in before its maturity date, you will pay an early withdrawal penalty. To see our current Certificate of Deposit rates, click here.

What interest rate do you pay on a Certificate of Deposit?

Interest rates on Certificates of Deposit vary and are based on the term of the certificate and on the opening balance of the certificate. To see our current Certificate of Deposit rates, click here.

Roth IRA Questions

What is a Roth IRA?

A Roth IRA is an individual retirement account created by the Taxpayer Relief Act of 1997. Roth IRA accounts are traditionally used as retirement savings accounts. They allow limited contributions to be made throughout the tax year and can be withdrawn within 5 years after establishing the account provided you are aged 59 1/2 or older.

Will I earn interest on my money if I put it into a Roth IRA?

Yes, you will earn interest on the funds that are on deposit at the credit union in your Roth IRA.

Who can contribute to a Roth IRA?

Those who work for a living can contribute to a Roth IRA account. The income must be derived from actual work efforts and compensation in the form of wages, tips, salaries, bonuses and professional fees.

How much can I contribute to my Roth IRA?

There are limits on the amount of income one can make during a given year—and the limits change from year to year. Please visit the IRS website for details.

Will my Roth IRA affect the amount that I can contribute to my employer-sponsored retirement plan?

No. The amount you contribute to your 401(k) or other employer-sponsored plans will not be affected by your Roth IRA.

Can I have both a traditional and a Roth IRA?

Yes, you can maintain both types of IRAs at the same time. You can even make contributions to both types of IRAs in the same year. But your contributions to both Roth and traditional IRAs cannot exceed the maximum contribution limit for all IRAs.

I am recently unemployed, can I rollover my 401(k) to an IRA?

Yes, you can speak to one of our Membership Relationship Specialists at any of our 5 locations. You will need to provide the following information: the name of the company where your 401k is currently held, their address, your account number, and the amount you’d like to transfer. Typically this information can be found on one of your 401k statements.

Checking Questions

What are the charges for a checking account?

We are happy to report there are no charges attached to our checking accounts!

Can I get overdraft protection?

You sure can! MCCCU offers three types of overdraft protection (savings account, CheckGuard, and a line of credit option). One way to protect yourself from overdrawing your account is to set up your savings as a back-up. This enables you to use your own money to make sure your transactions are covered. This is a no-fee solution that we are glad to be able to offer! Another way to protect yourself is to enroll in our CheckGuard overdraft protection service. This service ensures any transactions or payments you have scheduled will be honored (up to $500) even if you don’t have the funds available in your account. If you do not elect to utilize this service, any transaction that hits your account will be rejected if you don’t have funds available. Overdraft protection is a service we are glad to offer our members, but isn’t the right fit for everyone as there is $30 fee charged for each transaction that overdrafts the account. If you’d like to speak with an MCCCU representative about these options to find the best fit for you, contact us!

Does the credit union put a hold on checks?

For security purposes, MCCCU will sometimes put holds on checks when necessary. Any supporting documentation you can provide about a check can help to avoid or reduce a hold.

What should I do if my checks were lost or stolen?

If your checks are lost or you believe they have been stolen, make sure you contact us right away. We will place a block on any checks that have been compromised so they are unable to be cashed.

Debit Card Questions

Is there a charge to get a debit card?

No, there is no charge to get an MCCCU debit card.

What are the daily limits for a debit card?

The daily limits for MCCCU debit cards are $375 for PIN transactions (when you elect to run a transaction as a debit) and $1,000 for signature transactions (when you elect to run a transaction as a credit).

Who do I contact if my debit/credit card is lost or stolen?

If your debit card is stolen, please call 734-242-3222 during business hours or 800-828-3901 after business hours.

How do I reset the PIN on my debit card?

To reset the PIN on your debit card, visit any one of our 5 locations and an MCCCU staff member will be happy to help!

Can I use my debit card outside the United States?

Yes, you can certainly use your MCCCU debit card when traveling outside of the United States. As always, you should contact the credit union to let us know you’re traveling so we can inform our fraud protection partner. Please keep in mind if you’re traveling to an area that is experiencing a lot of fraud, the card may still reject transactions for security purposes. We recommend traveling with a few payment methods when you’re going to be out of the country—FYI, we offer reloadable travel cards that offer the same functionality as a debit card without the risk of compromising your account.

ATM Questions

Do I get charged an ATM fee by Monroe County Community Credit Union?

No, MCCCU members will never be charged a fee for using one of the 8 ATMs we own. In addition to the ATMs we own, MCCCU members have access to the Co-Op ATM Network, which allows members access to nearly 30,000 ATMs across the country. Members who utilize machines in this network get 6 free transactions a month with a $1.00 surcharge fee for every subsequent transaction.

Is there a charge to get an ATM card?

Nope! MCCCU ATM cards are free of charge!

How long is the hold on deposits into an ATM?

Deposits made at an MCCCU ATM can take up to 3 calendar days to post to your account, with $200 made available immediately. If you make a deposit at a non-MCCCU ATM, the deposit can take up to 5 calendar days to post to your account though the $200 will still be made available immediately.

Loan and Credit Questions

What type of loans do you offer?

We offer a number of different loan solutions for our members! Just to name a few, we offer: auto and recreational loans, first and second mortgage and equity loans, VISA credit cards, personal loans, and business loans. To find out which solution best meets your needs, contact us today!

How can I apply for a loan?

You can apply for a loan with MCCCU online, in person, or over the phone! Keep in mind that if you apply for a loan online, you will need to authorize the credit union to pull your credit report.

Do you offer mortgages?

We sure do! Click here to learn more about our different mortgage solutions.

Do you have to be a member to apply for a loan?

You do not have to be a member to apply for a loan with MCCCU. However, you will need to join the credit union during the loan closing process. Please click here to see if you are eligible for membership.

Does the credit union offer Student Loans?

We do not offer student loans at this time. However, we do offer personal loans that can be used to cover educational expenses.

How do I get pre-approved for a loan?

To get pre-approved for a loan with MCCCU, you can click here to apply online, stop in at any one of our locations, or give us a call at 800-541-2222. Please note that in order to complete the loan application, you will need to authorize MCCCU to pull your credit.

By what methods can I pay on my loan at Monroe County Community Credit Union?

We like to make it as convenient as possible for our members to make their loan payments! You can pay through our online banking platform, by transferring funds from another institution online, over the phone, or in person at any one of our locations. Make sure to ask about special loan rate benefits for automatically scheduled payments on vehicle loans!

Can the credit union give me a copy of my credit report?

No. The credit bureau does not allow us to give out copies of the report. You can request a free copy of your credit report by visiting AnnualCreditReport.com.

How often should I get a copy of my credit report?

Because the federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year, consider staggering the receipt of each of your credit reports. That way, you'll get a continuous picture of how your credit picture looks, because the three bureaus feed each other the latest information. You’ll also be able to clean up errors as you find them (because errors can drag down a credit score) and you’ll also keep an eye on identity theft.

How can I get a copy of my credit report?

The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—to give you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com. According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer “free” credit reports but often charge you for another product if you accept the report.

To request your credit report by phone, call (877) 322–8228. To request your credit report by mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the individual credit-reporting agencies.

What is a personal loan?

A personal loan is a loan without material collateral such as a car or home. Also known as a signature loan, the maximum personal loan amount at MCCCU is $25,000. These loans can be used for many purposes. For example: a wedding, home renovation, education needs, dream vacation, or to tackle any curveballs life might throw at you. Click here to apply online.

Does the credit union offer business loans?

Yes! Click here for more information on our business lending options.

Credit Card Questions

When can I expect to receive my MCCCU VISA Card?

MCCCU VISA cards typically arrive at your door 7-10 business days after you place your order.

How do I access my VISA rewards?

To access your ScoreCard Rewards Points, log in to your online banking account. Once you’re in online banking, you will click on your ‘MCCCU VISA’

What do I do if my credit card is lost/stolen?

If your MCCCU VISA card has been lost/stolen you should call 1-800-828-3901. Representatives are available 24/7 to help you manage the loss of your card.

What do I do if I believe my credit card has been compromised?

If you believe your card has been compromised, give us a call at 734-242-3222 and ask for our Cards Department. They will walk you through the process of filing a fraud claim, ordering a new card if necessary, and getting your account straightened out.

How do I personalize my credit card’s PIN number?

To personalize your MCCCU VISA PIN, call 1-866-297-3408.

Financial Questions

Should I buy or lease a car?

To make this decision, calculate your monthly payments and your total net cost. When you compare these amounts, you can determine which option is right for you. Click here to access our Buy or Lease calculator.

Is it a good idea to cosign a loan?

Cosigners lend their names and good credit histories to the person getting the loan. Should this person lose their job, pass away, or otherwise fail to make payments, all responsibility for meeting the terms of the loan would transfer to you, the cosigner. An often-overlooked aspect of cosigning a loan is the fact that the loan will appear on both the person getting the loan and the cosigner's credit reports.

Click here to read more about your obligations when you cosign a loan.

Should I borrow money from my 401(k) for emergency cash?

It might be tempting to view your 401(k) as a source of emergency funds, but before you dip into your retirement account for cash, we strongly suggest exploring other alternatives.

Online Banking Questions

How do I sign up for online banking?

If you are opening a new account with MCCCU, let your Member Relationship Specialist know that you would like access your account through online banking. They will enable your account and give you a temporary password. If you already have an account with MCCCU and would like to access your account through online banking, you can either give us a call or stop in at one of our branches where a Member Relationship Specialist will get you set up with a temporary password.

How do I log in to online banking?

To log into your MCCCU account online, enter your username and temporary password under the ‘Online Banking’ section you can find on any page of our website. You will be prompted to set a new password—pay attention to the password requirements that are listed, as the security of your account password is extremely important!

What should I do if my online banking login fails?

If you are unable to successfully log in to your It’s Me 247 account, contact us and we will help get you back in!

What can I do in online banking?

You can accomplish a lot in our online banking platform! View the balances on your savings and checking accounts, open up new secondary savings accounts and CD’s, transfer money to other MCCCU accounts, update your address and email address, and much more! We encourage you to click around once you get into the system and familiarize yourself with all of the features!

General Product and Service Questions

How do credit unions differ from banks?

Credit unions are non-profit and exist to help people, not to make a profit. As such, all earnings are returned to their members in the form of high-interest savings and low rate loans. A volunteer board of directors, elected by the members, governs a credit union. With their vote, each member has a direct impact on the direction of the credit union. Also, "people helping people" is the credit union philosophy. A credit union's goal is to serve all of their members equally and provide charitable contributions to their community. Credit unions are owned by their members. Each member gets one vote and an equal say in how the credit union is run.

How can I reorder checks?

MCCCU partners with Harland Clarke to provide checks to our members. To place a check order, you will need MCCCU’s routing number (272482883) and your personal account number before clicking here.

What online/electronic services do you offer?

We offer many great electronic services! These services include: online banking, MCCCU Mobile (with mobile check deposit), eStatements, bill pay, A2A transfers, automatic transfers, and the ability to open secondary accounts and CDs through our online banking platform!

What type of savings accounts do you offer?

We offer a couple of different savings accounts to help you accomplish your goals!

Does the credit union offer free bill payment?

Yes! Our Bill Pay service is free.

Do you have a mobile app?

We sure do! Our app is called MCCCU Mobile and is available through the App Store and Google Play.

For which utility bills do you accept payment?

We currently accept Monroe City water, Monroe City property tax, and Michigan Gas payments.

Do you offer business accounts?

MCCCU offers banking solutions for small businesses. Give us a call to find out more!

How can I change my address?

You can update your address in-person at one of our branches or you can update it through your online banking account.

Can I buy or cash in savings bonds at your office?

We don’t sell savings bonds, but you can cash them in at any of our 5 locations.

Do you exchange foreign currency?

No, we don’t.

Do you offer notary service?

Yes we do! We offer notary services at all of our locations.

Do you have safety deposit boxes?

No, we don’t.

Do you have coin machines?

Yes, we have coin machines at our Telegraph, Winchester, Bedford, and Newport locations. To utilize this service, there is a 3% coin processing fee for members and an 8% coin processing fee for non-members. 

Can my payroll be deposited directly into different accounts?

Yes! You can either set it up initially with your employer, we can set it up at the branch, or you can set it up through online banking!

Is the money I have on deposit at Monroe County Community Credit Union insured?

Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government.

Does the credit union offer wire transfers?

Yes we do.

Does the credit union offer travelers checks and money orders?

MCCCU offers both money orders and re-loadable travel cards that offer the functionality of a debit card.

Where do I go to activate or check the balance on an MCCCU gift card?

MCCCU gift cards can be purchased at any one of our locations and start at $25. To activate or check the balance on a gift card, you can call 866-902-6082 or click here

If a member is under the age of 18, can they apply for a loan, Visa credit, or overdraft protection?

No, you must be 18 years old to obtain credit.

Is the credit union hiring?  

Though we may not always have positions open, we always want to hear from people who are interested in joining our team! We keep resumes and applications on file for 12 months, so if no positions are currently available we would love to be able to give you a call if something opens up. Check out our careers page for current openings. 

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