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Frequently Asked Questions

What are your business hours?
Our Duluth and Cloquet offices including drive-up are open Monday through Friday from 7:00 a.m. to 6:00 p.m. On Saturday, the offices are open from 8:30 a.m. to 1:30 p.m.

Our Aitkin and McGregor offices including drive-up are open Monday through Friday from 7:30 a.m to 5:30 a.m. On Saturday, the offices are open from 8:30 am to 12:00 pm.
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Where are your office locations?
We have three offices in Duluth, one in Cloquet, one in Aitkin and one in McGregor. For addresses and maps see our Locations page.
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How do I apply for a loan?
You may call our Contact Center at 218-625-8500, and we can take your application over the phone, mail or fax an application to you. You can also come into any of our offices to apply in person.
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Do you do Mortgage loans?
Yes, we do 1st and 2nd Mortgage loans, Home Equity Loans and Home Equity lines of credit, and Home Improvement Loans. For more information on home mortgages, call our Mortgage Department at 218- 625-8500. For Home Equity or Home Improvement Loans, call 218-625-8500.
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What are your current rates?
Visit our Rates Page to find rates for share certificates, savings, checking, personal and auto loans and credit cards. For all other rate information call 218-625-8500 or 800-296-8871.
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How do I change my address?
For your security we require that you notify us in writing. Include your name, account number, new address and signature to authorize a change in your address. Please mail or fax this information to Members Cooperative Credit Union, 101 14th Street, Cloquet MN 55720 or fax to 218-878-3667.
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How do I change my payroll deduction?
To change your payroll deduction form, you can ask anyone at our offices or call our Contact Center at 218-625-8500 and we will fax one to you
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What is your fax number?
The fax number at our Contact Center is 218-625-3018. In Cloquet, it is 218-879-0018 and in Spirit Valley it is 218-625-8842. Visit our Locations page for a list of all fax numbers for an office nearest you.
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Am I eligible for membership?
Please give us a call at 218-625-8500 or stop by any of our offices to find out if you and your family are eligible.
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How can I reorder my checks?
You can reorder your checks by contacting any of our offices or use the online order form.
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Questions or Comments?
Send us an e-mail and let us know what you think!
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What is MCCU's Routing Number?
291973454
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How do I report a Lost or Stolen Visa Credit Card?
During MCCU office hours, you may call us at 218-625-8500, After business hours, please call the toll-free number 24-hours a day at 800-558-3424.
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How do I report a lost or stolen Visa Debit Card?
During MCCU office hours, you may call us at 218-625-8500. After business hours, please call the toll-free number 24-hours a day at 800-264-5578. If you are out of the country, please call 701-461-0621.
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