Personal banking
Everyday banking, built around your life.
From your first paycheck to your last savings goal, MCCU's personal accounts have lower fees, better rates, and a team that knows you.
Personal accounts
Pick the account you're looking for.
Every rate below is the published rate — see /rates for the full sheet.
Checking
Free Checking that's actually free
No monthly fee, no minimum balance, a free contactless Visa debit card, and 30,000+ surcharge-free ATMs.
See checking
Savings
Open with $1 and own a piece
A share savings account makes you a member rather than a customer. Tiered dividends, no monthly fee.
See savings
Money market & CDs
Tiers up to 1.90% APY
Money market access when you need it, or a share certificate from 6 to 60 months at up to 3.648% APY.
See money market & CDs
Online & mobile
The branch, in your pocket
Mobile deposit, biometric login, instant transfers, bill pay, and card controls.
See online banking
Ready to make the switch?
Most members are approved instantly online.