Members Cooperative Credit Union
Home > Member Resources > Benefits of Membership

The Benefits of Membership

It starts with service, but that isn’t where it ends.

As an MCCU member, you’ll enjoy:

  • Local ownership and decision-making
  • Peace of mind, with accounts insured for up to $250,000 by NCUA
  • Seriously great rates on savings and investments
  • Low rates on loans for vehicles, mortgages, debt consolidation, personal, and more
  • No-surcharge ATM access at more than 1,000 Shared Service Center locations nationwide
  • Specialized investments and planning through Members Financial Services
  • Low-rate Visa and Rewards Visa credit cards
  • Youth education and savings clubs
  • A free $1,000 Accidental Death & Dismemberment life insurance benefit*

Plus, You’ll Enjoy These Members-Only Discounts!

AAA Logo
Discounts from AAA

Enjoy peace-of-mind with AAA! As an MCCU member, you’ll receive:

  • A 15% discount on AAA membership
  • Exclusive AAA discounts on meals, lodging and more
  • Free maps and travel guides
  • Call 800-222-1333 to speak with a AAA representative

Affordable MemberSecureSM Plus Identity Protection
Identity theft is on the rise – protect yourself with Member Secure. Services include:

  • Card PatrolSM
  • Identity Theft Insurance
  • Identity Fraud Support Service
  • All for only $3 a month!

Sprint logo
Savings on Sprint Mobile Phone Service

  • Save 10% off most regularly priced individual plans
  • Save 15% off most regularly-priced business plan
  • Plus more!


Find out more.

*Our credit union offers Accidental Death and Dismemberment Insurance coverage to all members age 18 and over on their shared savings account. Basic coverage to all enrollees is $1,000 paid for by the credit union. You may elect additional coverage to be paid quarterly from one of your credit union accounts. For more information, call (800) 860-7182 or stop by any MCCU branch. Insurance products sold through or in the credit union are not insured by the NCUA and are not issued, guaranteed, or underwritten by the credit union or NCUA or any other federal government agency. There is no requirement or obligation to purchase insurance from the credit union or any subsidiary, affiliate, or particular unafflifiated third party as a condition to obtaining a loan, and a decision as to insurance agents will not affect the credit terms in any way. The credit union may not condition an extension of credit on an agreement not to obtain, or a prohibition on the applicant from obtaining an insurance product or annuity from an unaffiliated entity.

Equal Housing LenderNational Credit Union Administration
NCUA - 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.
Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act
800-296-8871|memberservices@membersccu.org