Wouldn’t it be great if there were someone out there dedicated to making your life easier? At Monroe Community Credit Union, we’re here to do just that! Our services go beyond accounts and loans to give nearly 30,000 MCCU members the financial solutions they're looking for. 

Our field of membership includes those who live, work, worship, or attend school in the State of Michigan and in Ohio counties of Fulton, Lucas, and Wood. 

Please note: You can also become a member of MCCU if you are an immediate relation to a current member or live in the same household as a current member.

Advantages of Membership at a Credit Union

As is customary with not-for-profit institutions, our credit union’s first priority is to serve the needs of our members. Because we do not have stockholders, our profits are reinvested back to the people they belong to, by way of dividends, lower rates and lower service fees. We are very active in our community and make efforts to give back in ways that will positively impact our membership because, as a member-owned and governed institution, our members are always our top priority. If you are interested in a side-by-side comparison of joining a credit union over a bank, please visit our Why Choose a Credit Union page. In a great testament of our dedication to our members, MCCU was voted 'Best Credit Union' in 2019, 2020, and 2021 and 'Best Mortgage Lender' in Monroe County in 2019 and 2021.

Our credit union is democratically controlled and run by a volunteer Board of Directors who are elected by the members of the credit union at our annual meeting. The individuals on the board of directors are all members and any member can run for a spot on the board. All of our credit union members have a say in how the credit union is operated. The day-to-day managers of the credit union, and the team members who serve our members' needs, are experienced professionals who are here to help you navigate the financial industry. We also have financial counselors on staff who can help you establish a budget, pay off debt, save money, and more!

In addition, MCCU members receive special offers and discounts with Sam's Club, Turbo Tax, asurionhome+, TruStage Insurance, Rental Kharma, and SimpliSafe through Love My Credit Union, discounted Cedar Point tickets (available for purchase at any MCCU location during their regular season), discounted Mechanical Repair Coverage, GAP insurance, Carfax reports, and more!

Benefits Plus®

Are you looking to get more out of your membership? Look no further! MCCU has partnered with Benefits Plus® to be able to offer over 60 exclusive member benefits!

Member feedback: "When booking a car on Spirit (combined with a flight) they were asking for $100/day or more just for the car. Through Benefits Plus I was able to get a nice Jeep Wrangler for $47/day and they offered collision insurance for $11/day, which normally runs about $25/day! I was able to save quite a bit of money!" - Erica T.

Some of the most popular benefits in the program are: 

  • Cellular Care Coverage 
    • Get reimbursed for up to $600 for the costs associated with repairing your device1
      • Accidental Damage (including cracked screens)
      • Water Damage (including immersion)
      • Drops
      • Electrical Malfunction
  • Ultimate ID Protection
    • 3 Bureau daily credit monitoring2
    • Internet monitoring
    • Credential vault
      • Here you can enter any information you'd like to have monitored such as your driver's license number or email address
    • Instant inquiry alerts
  • Travel Services - Get guaranteed lowest pricing and some cash back rewards
    • Air Travel
    • Hotels, Condo Rentals
      • This includes Airbnb and VRBO!
    • Car Rentals
    • Cruises
  • Health and Wellness
    • 24/7 MyIdealDoctor
    • Hearing Care
    • Prescription Savings
    • Vision Services
  • Family Benefits
    • Gas and Grocery Gift Cards
    • Grocery Coupon Club
    • Wholesale Savings Club Discounts
      • Costco
      • Sam's Club
      • BJ's Wholesale Club
    • College Care Packages
  • TicketXpress
    • Save up to 50% off of:
      • Movies
      • Sporting Events
      • Concerts
      • Theme Parks
      • Ski Resorts
      • Zoos
      • Aquariums
      • And more! 
  • Retail Stores, Dining, and Gifts
    • Gift Cards
    • Dining Dough
    • Dinner and a Movie
    • Office and School Supplies
  • Cash Back Rewards and SavingsXpress
    • 500,000 local, regional, national and franchise offers across the US and Canada
      • Save on dining, attractions, activities, shopping, services, and more!
  • Click here to visit their website and see the complete list of services and discounts!


To learn more, or access your benefits, you can visit their website or through their app:

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1 Reimbursements are subject to coverage limits. Other restrictions apply.

2Credit Monitoring and the ULTIMATE ID® program begins when you successfully validate your identity. An active email address is required to complete the activation process. To report an identity theft incident or for assistance obtaining your activation code, please call 877.279.6338 and speak with a dedicated ULTIMATE ID® recovery advocate. Certain restrictions and limitations apply. Visit for complete terms and conditions and program eligibility. No one can prevent all identity theft. The Benefits Plus® Membership Fee of $5.95 applies whether or not you activate ULTIMATE ID® and whether or not you qualify for all its services.


Monroe Community Credit Union has selected Generations Gold, Inc. a fully independent third-party benefits provider, to provide travel and other discounted services on an exclusive basis directly to Benefits Plus® Program. Monroe Community Credit Union assumes no liability for any of the third-party providers in fulfilling their services. All liabilities, claims, damages, and demands are the sole and direct responsibility of Generations Gold, Inc. and its independent services or benefits providers. Discounts received through Benefits Plus® Program may not be used in conjunction with any other discounts. Benefits and services available through the Program are subject to change without notice. Not all plans and discounts are available in all areas. Please refer to the actual policies for terms, conditions, and exclusions of coverage. View complete terms, conditions, exclusions and complete program details by visiting or calling 866.329.7587. © 2020, Generations Gold, Inc. All rights reserved.



At Monroe Community Credit Union, we want to make sure that our members are prepared for all of the ups and downs of life. We have partnered with TruStage Insurance to make many insurance programs available to our membership (some with exclusive credit union member discounts!), so take a look around and see if they offer the solution you're looking for.


If you are interested in speaking with our local Liberty Mutual representative for TruStage home and auto insurance:

  • Phone: 734-222-1742
  • Fax: 734-913-4632
  • Claims: 1-800-225-2467


Our Heroes

MCCU is proud to offer a special program for those who work tirelessly to make our communities a safer place! 'Our Heroes' is a program designed for individuals who are active duty, reserve, retirees, and veterans associated with the following groups:

  • Military -United States Air Force, Army, Navy, Marines, Coast Guard
  • Law Enforcement – Police, Sheriff, State/Federal agencies (Border Protection, DNR, Customs, FBI, CIA, DEA, ATF, U.S. Marshals, Secret Service)
  • Fire – Any local fire department, airport authorities, State/Federal wildfire services
  • EMT
  • 911 Dispatch

Our Heroes receive:

  • Free Benefits Plus membership with added Restoration Rescue® services
    • Set fraud alerts, reduce junk mail, order credit reports, and organize personal information. Benefit from comprehensive restorative services in the event of fraud
  • Discounted Ultimate ID® benefits available for $1.50/month
  • Free Carfax report
  • Free travel cards for everyone on your account
  • $300 credit toward first residential mortgage or refinance
    • Please note: Offer cannot be combined with any other promotions
  • .25% discount off qualifying finance rate on: auto, boat, RV, or motorcycle loans
  • .10% bonus paid on Certificates of Deposit with maturities of one year or longer
    • Please note: This benefit does not apply to special CD promotions
  • $10 off annual Safe Deposit Box rates (available at our Maybee Branch)
  • Access to 30,000 Co-Op ATMs and Shared Branching networks

To enroll in this program, visit any of our locations and speak to a Member Relationship Specialist! Make sure to bring one piece of identification with you that signifies you as a member of one of these qualifying groups. The enrollment process only takes a few minutes and you will start seeing the benefits immediately.

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