Share (Savings) Accounts

Each member is required to maintain a share account with a balance of $25.00. Dividends are calculated daily and compounded quarterly. Statements are mailed quarterly.

Share Draft (Checking) Accounts

Share Draft Checking is now available to members. You are never charged a monthly service charge or transactions fee. You earn dividends on your share checking with no minimum balance required and unlimited check writing privileges. Direct deposit or payroll deduction is available also. Statements are mailed monthly. Your first order of checks is free and if you are age 55 or over all of your checks are free. Call the Credit Union for more information.

ATM/Debit Card

As an added bonus for members that take advantage of the Share Draft Checking is an ATM/Debit Card. These cards maybe used for point of sale purchases or ATM withdrawals. ATM services nationwide via: Cirrus, Pulse, and Visa.

Christmas Club Accounts

Christmas Club accounts may be funded through payroll deduction or deposits you make. Dividends are paid at maturity. Checks are usually ready for mail the first week of November. Start your Christmas Club early and have that extra needed cash for Christmas shopping.

Level Term Life Insurance

Level Term Life Insurance is provided to each principal shareholder that qualifies, at no direct cost to the shareholder. CUNA Mutual Group will insure the shareholder up to the maximum age and maximum coverage as stated in the group policy. For more information contact the Credit Union office.

Credit Life and Credit Disability

Credit Life Insurance is provided at no cost to our members (that qualify) through CUNA Mutual Group. This coverage provides insurance protection up to $15,000 on an aggregate total.

Credit Disability Insurance is available on loans for members that are interested. Credit Disability Insurance will make your payments should you become unable to work and under a doctor’s care. Payment on each covered loan will begin after a 14-day waiting period. For more details, ask one of the Member Service Representatives at the Credit Union

Loans

Loans at the Credit Union are designed to meet the personal needs of the Shareholders. Shareholders can apply for a loan on Fast Access (800 Account Information System), on CU @ Home Internet Banking, visiting or telephoning the Credit Union. All applications received through Fast Access and CU @ Home will be processed within 24 hours or sooner (except on weekends, will be processed the next business day). Compare rates and see your savings today.

Some of the loans we offer:
• New and Used Automobiles
• New and Used Farm Equipment
• New and Used Boats
• New and Used Recreational Vehicles
• Personal Line of Credit
• Share Secured Loans
• Home Equity Line of Credit
• Land
• Mortgages

24-Hour Services

We, at MCFCU, know that access to your account information is important to you. We have available to you many convenient methods to keep you in touch with your money.

• ATM/Debit Card Services nationwide via Visa, Cirrus, and Pulse.
• 24-hour account information on your account via CU @ Home Internet Banking Service. Information available: account balance, loan balance, checks paid, dividend paid on your account, interest paid on loans, account to account transfers, authorize a check to be mailed or picked up, make loan payments, receive current saving’s rates or loan rates, and make application for a loan
• 24-hour account information via Fast Access. Information available: account balance, loan balance, checks paid, account to account transfers, request a check, ATM/debit card information, rates, apply for a loan.

Other Services

• ATM Machine
• Drive-Thru Window
• Free Notary Service
• Alabama Automobile Title Agency
• Share Withdrawals – Office, Mail, or Delivery
• Share & Loan Check Deliveries – Huntsman at 1:30 pm and OB1 at 2:00 pm
• Fast Access – Account Information System - 1-800-547-0924
• CU @ Home – Internet Home Banking – www.mccfcu.com
• Payroll Deductions & Direct Deposits
• Family Membership
• New and Used Car Guides
• Night Drop

Open membership to anyone living, working, attending school or church in Washington County.