Questions? We've got answers.

About Monroe Community Credit Union

What is MCCU's routing number?

MCCU's routing number is 272482883.

Where can I find my account number?

For security purposes, you will not find your full MCCU account number listed on your online banking account. If you've forgotten your account number just give us a call and, once we've verified your identity, we'll be happy to get that information to you.

Who can join Monroe Community Credit Union?

To join MCCU, you need to live, work, worship, or attend school in the State of Michigan and in Ohio counties of Fulton, Lucas, and Wood. You 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 open an account at Monroe Community Credit Union?

To become a member of MCCU, you can visit one of our locations or join online

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 business hours are:

  • Monday – Thursday: 9 AM – 4:30 PM
  • Friday: 9 AM – 5:30 PM
  • Saturday: 9 AM – 12 PM (all locations are drive thru only, with the Telegraph office offering lobby services by appointment)

Our Maybee business hours are:

  • Monday - 9 AM - 4:30 PM
  • Tuesday - Closed
  • Wednesday - 9 AM - 4:30 PM
  • Thursday - Closed
  • Friday: 9 AM 5:30 PM 

Closed daily for lunch from 1 PM - 2 PM

Our Dundee business hours are:

  • Monday – Thursday: 9 AM – 4:30 PM
  • Friday: 9 AM 5:30 PM

Closed daily for lunch from 1 PM - 2 PM

Our Contact Center business hours are:

  • Monday Thursday: 8 AM - 5 PM
  • Friday: 8 AM  5:30 PM
  • Saturday: 9 AM 12 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 MCCU by email at 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 MCCU, you will need to visit one of our 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.

If you choose to open your MCCU account online, there are multiple options for funding your new account. If you are unable or choose not to fund your account with a debit/credit card, you can choose to bring in cash for your first deposit.

What do I need to open a youth account?

Our youth accounts are very popular! To open a youth account with MCCU, you will need to bring in the child’s social security card. If the youth 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 a couple of different ways. You can do this through our online banking system or by submitting an address update form. Through online banking, after you've logged 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. If you do not currently utilize online banking, you can use our secure online form to do so or give us a call and we will take care of it!

How do I add a joint owner to my account?

To add a joint owner, you’ll visit one of our locations to speak with a Member Relationship Specialist as, at this time, online account opening is available for single memberships only. 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 an account. They can remove themselves from the account by visiting one of our locations and speaking with a Member Relationship Specialist.

How do I sign up for direct deposit?

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

What happens when my account goes dormant?

When it comes to dormant accounts, MCCU is required to follow the laws established by the state in which you reside. An account is considered dormant when it has experienced no activity for one year. When your account has been dormant for three years, MCCU is required to escheat all dormant funds to the State of Michigan (or the state in which you reside). To avoid having your account go dormant you will need to show some type activity on your account, which can be something as simple as transferring a penny between accounts.

Do I need a beneficiary on my account?

While it is not required, we recommend that all members have a designated beneficiary on their account. Having a beneficiary on your account makes it easier for trusted individual(s) to access the funds in the event of the account holder's death. You can add a beneficiary to your account by giving us a call or by clicking here.

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 Rof 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 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

Can I open a checking account online?

Yes! If you already have a savings account with the credit union, you can submit a request to open a checking account online by clicking here.

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! MCCU currently offers three types of account protection (savings account, CheckGuard, and an Overdraft Protection Loan). 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 happy to be able to offer our members! 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 there are no funds available. We also offer an Overdraft Protection Loan, a "safety net" line of credit that is there when you need it! Our Overdraft protection is a service we are glad to offer our members, but isn’t always the right fit for everyone as there is $30 fee associated with each transaction that overdrafts the account. If you’d like to speak with an MCCU representative about these options and find the best fit for you, contact us!

Does the credit union put a hold on checks?

For security purposes, MCCU 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 MCCU debit card.

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

If your debit card is stolen, you can call 866.561.2911 for assistance.

How do I set the PIN on my debit card?

You can set your PIN by calling PIN NOW at 1.866.985.2273.

I opened my MCCU account online, when can I order a debit card?

MCCU accounts opened online can order a debit card as soon as 30 days after opening an account. If you'd like to order a debit card immediately, give us a call and set up an appointment to open your account at one of our locations.

ATM Questions

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

No, MCCU members will never be charged a fee for using one of the 8 ATMs we own. In addition to the ATMs we own, MCCU 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 six free transactions a month with a $1.00 surcharge fee for every subsequent transaction.

Is there a charge to get an ATM card?

Nope! MCCU ATM cards are free of charge!

How do I set the PIN on my ATM card?

You can set your PIN by calling PIN NOW at 1.866.985.2273

How long is the hold on deposits into an ATM?

Deposits made at an MCCU 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-MCCU ATM, the deposit can take up to 5 calendar days to post to your account (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 home equity loans, Mastercard credit cards, personal loans, and more! 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 MCCU online, in person, or over the phone! Keep in mind that if you apply for a loan, you will need to authorize the credit union to pull your credit report.

Do you offer mortgages?

We sure do! We are very proud to say we won 'Best Mortgage Lender' in Monroe in 2020. 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 MCCU. 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.

Does the credit union offer financial counseling?

We sure do! We have financial counselors on staff who would be happy to help you establish a budget, understand your credit score, figure out a strategy for debt repayment, or anything money management-related!

How do I get pre-approved for a loan?

To get pre-approved for a loan with MCCU, 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 be aware that in order to complete the loan application, you will need to give MCCU permission to pull your credit report.

How can I pay on my loan at Monroe 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, our mobile app, over the phone, or in-person at any of our locations. You can also make your payment with funds from another financial institution by clicking here--please note, depending on how you choose to utilize this option, a nominal fee may be assessed.

I received a notice that MCCU needs a copy of my insurance. Where can I go to do that?

To upload a copy of your insurance information, visit this website and follow the prompts.

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

No. Credit bureaus do not allow us to give out copies of credit reports. However, you can request a free copy of your credit report by visiting and we would be happy to go over the report with you!

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

We recommend pulling your credit at least once a year. Not only will this annual review allow you to keep an eye on your credit score, you’ll also be able to spot any potential errors (because errors can drag down a credit score) and keep an eye out for identity theft.

How can I get a copy of my credit report?

You can request a free copy of your credit report by visiting According to the Federal Trade Commission, this is the only recommended online credit score source. Consumers should be aware there are many sites out there that claim to offer “free” credit reports that will 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 available through MCCU is $25,000. These loans can be used for many purposes such as a wedding, home renovation, educational needs, finally going on that dream vacation, or to just help tackle any curveballs life might throw at you. We offer both revolving lines of credit and closed end, term loans to meet your needs, whatever they may be! Click here to apply online.

Does the credit union offer business loans?

Yes, for any business inquiries please give us a call at 800.541.2222.

Does the credit union offer a Skip-a-Pay program?

Yes! Our members have the ability to request skip-a-pays on consumer loans once they've made at least 6 consecutive payments. Real estate loans do not qualify. You can skip a payment once every 12 months (and up to four times over the life of the loan) for a $25 charge. To request a skip-a-pay, contact us or submit a request online!

Credit Card Questions

When can I expect to receive my MCCU MasterCard?

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

How do I access my rewards points?

There are a couple of ways you can access your credit card rewards points--by clicking on your card in Online Banking, through MCCU's Card Control App, or by visiting

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

If your MCCU Mastercard has been lost/stolen you can submit a claim through MCCU's Card Control App or by calling 866.576.1270. Our Card Control app is available through both the App Store and Google Play. If you elect to call for assistance, 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, you can immediately file a fraud alert through MCCU's Card Control App. Our Card Control app is available through both the App Store and Google Play You can also give us a call at 734.242.3222 during business hours and ask for our Card Department. They will walk you through the process of filing a fraud claim, ordering a new card if necessary, and help get your account straightened out.

How do I get a PIN number for my credit card?

To request a PIN number for your card, call 888.886.0083.

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.

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 MCCU, let your Member Relationship Specialist know that you would like to access your account through online banking. They will enable your account and give you a temporary password. If you already have an account with MCCU, you can enroll by clicking on the 'First Time User?' button found on the online banking widget located in the upper right hand corner on every page of this website. Once you click on this button, you'll follow the prompts to get your account set up. Alternatively, you can also give us a call or stop in at one of our branches and a Member Relationship Specialist will be happy to get you set up with a temporary password.

How do I log in to online banking?

To log into your MCCU account online, enter your username and temporary password under the ‘Online Banking Login’ section (this can be found 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. You should never share your username or password with others. 

What should I do if my online banking login fails?

If it's a password issue, the 'Forgot Password' button will help you get back into your account. If you are still 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, make payments on your MCCU loans, open up new secondary savings accounts and CDs, transfer money to other MCCU 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!

Do you have a mobile app?

Yes--we have two mobile apps! MCCU Mobile is our flagship (main) app. Through this app, you can access all online banking services and Mobile Check Deposit. We also have MCCU Card Control, designed to give our credit card holders complete control over their Platinum Rewards card. To learn more about these apps, click here.

General Product and Service Questions

How are credit unions different 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 and each member gets one vote and an equal say in how the credit union is run.

How can I reorder checks?

MCCU partners with Harland Clarke to provide checks to our members. To place a check order, you will need MCCU’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! Among others, we offer: online banking, an online loan application, MCCU Mobile (with mobile check deposit), MCCU Card Control app for our credit card holders, 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 bill pay?

Yes! Our Bill Pay service is free and is accessible through Online Banking.

What is an Automatic Fund Transfer (AFT)?

An AFT allows you to automatically transfer funds within your MCCU account, schedule loan payments. or send funds to another MCCU member. To set up an AFT within your account, you can do so in your online banking account, by giving us a call, or by submitting an online request. If you would like to transfer funds to another account, you will need that person's account number.

Do you accept utility payments?

No, we do not accept any utility payments.

Do you offer business accounts?

MCCU offers banking solutions that are best suited for small businesses. Give us a call to find out more!

How can I change my address?

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

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 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 safe deposit boxes?

Yes, we do! Our Maybee location has safe deposit boxes.

Do you have coin machines?

Yes, we have a coin machine at our Telegraph location. 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 one of our branches, or you can set it up through online banking!

Is the money I have on deposit at Monroe 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?

MCCU 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 MCCU gift card?

To activate or check the balance on a gift card, you can call 866.902.6082 or click here. We no longer sell gift cards, but any previously purchased gift cards are good to use!

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

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

Do you still sell Cedar Point tickets?

No, we no longer sell Cedar Point tickets. You can either purchase tickets for admission through their website or at their front gate. 

Is the credit union hiring?  

Check out our careers page for current openings! 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. 

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