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OUR PRODUCTS & SERVICES

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 available to members. You are never charged a monthly service charge or transaction fees. Direct deposit or payroll deduction is available also. Statements are mailed monthly. Your first order of checks is free. 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.

ATM Locator

Members: Find out which ATM in the surrounding area can be used without charging a fee. Click the following link: www.co-opnetwork.org

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.

24-Hour Services

We, at MCFCU, know that access to your account information is important to you. W e 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, dividends paid on your account, interest paid on loans
• 24-hour account information via Fast Access. Information available: account balance, loan balance, checks paid

Other Services

• ATM
• Visa Gift Cards
• Drive-Thru Window
• Overdraft Privilege
• Free Notary Service
• Alabama Automobile Title Agency
• Fast Access – Account Information System - 1-800-547-0924
• CU @ Home – Internet Home Banking – www.mccfcu.com
• Report Lost or Stolen Debit Card 1-800-241-2510
• 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.

Loans

Loans at the Credit Union are designed to meet the personal needs of the members. Our members can apply for a loan by visiting or telephoning the Credit Union. 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
• Unsecured Personal Loan
• Share Secured Loans
• Home Equity Line of Credit
• Land
• Mortgages

NMLS NUMBERS FOR ORIGINATING MORTGAGE LOANS
McIntosh Chemical FCU NMLS ID: 807220
Terri Kendrick NMLS ID: 807657
Clara Walker NMLS ID: 807659
Katrina Dearman NMLS ID: 807658

MEMBER’S CHOICE® Credit Disability and Credit Life Insurance

There is no way anyone can predict an injury, medical-related illness, or an unexpected death, but you can take steps along the way to make sure your family is protected if the unforeseen were to happen. MEMBER’S CHOICE Credit Disability and Credit Life Insurance helps pay your loan so you and your loved ones don’t have to.

How does it work?
The premium is included in your monthly payment. If you have a balance on your loan and are totally disabled due to injury or illness, or in the event of an unexpected death, MEMBER’S CHOICE Credit Disability and Credit Life Insurance can help. By taking a few simple steps while signing your loan paperwork, you’re helping take responsibility for your family’s financial future. Your loan officer can show you how. You won’t receive extra bills or statements because everything is included in your monthly payment. You can cancel within the first 30 days for a full refund or at any time after that if you change your mind. If at any point you have questions, of if your family needs to file a claim, simply contact your credit union. Once you complete the loan documents, coverage begins for eligible borrowers.

Why is it valuable?
MEMBER’S CHOICE Credit Disability and Credit Life Insurance works in two different ways. You and your family won’t have to make loan payments if you’re totally disabled due to an injury or medical-related illness. It will help pay your loan until you’re fully recovered. In the event of an unexpected death, it will pay off the loan. Savings, salary or payoffs from other life insurance may be protected, giving your family financial freedom when they need it most.

Visit us or call us to learn more or to enroll today.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Policy Agreement for a full explanation of the terms.


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency
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