Membership
It’s easy to join!
You qualify if you meet any of these criteria:

• You live, work, worship or attend school within the following Minnesota counties: Aitkin, Carlton, Cook, Itasca, Koochiching, Lake or St. Louis
• Businesses and other legal entities within the respective counties listed may also qualify for membership 
• You or a family member are a past or present employee of MCCU
• You are related by descent, adoption, marriage or domestic partnership to a person meeting one of the above criteria

Switch Your Accounts
To switch your accounts to MCCU, please click here. 

Our Mission is:
To be the primary, positive financial influence in the lives of our members/owners. We live by this promise. MCCU's 33,000 members enjoy great rates; reduced fees; caring, personal service and access to more locations than any other Northland credit union.

History
In the spring of 1936, eight people from the Cloquet area started Cloquet Co-op Credit Union with deposits of $5 each. When our charter was approved in July 1936, Cloquet Co-op Credit Union was formed with $40 in capital. Once the credit union was established, new members paid an entrance fee of 25¢.

Today, more than 33,000 members – more than half from outside the Cloquet area – have come together to pool over $260 million in assets at what is now known as Members Cooperative Credit Union. The confidence and support of our members has made MCCU the largest credit union based north of the Twin Cities and the 14th largest in the state.

Benefits
Membership brings a host of special benefits, some of which are listed below.

• Local ownership and decision-making – which includes you as a member. MCCU is owned, directed and controlled by its members.
• Peace of mind - accounts are insured for up to $250,000 by NCUA
• Free checking with no monthly fees, no per-check charges, free debit card, free direct deposit, free electronic statements, online check ordering, overdraft protection and more – including great rates on Share Certificate accounts with fewer and lower fees than banks
• Great rates on loans for vehicles, mortgages, debt consolidation, personal, and more, including same-day approvals; low-rate and rewards , with special products for business members
• Free 24-hour Internet banking access – including account inquiry, loan payments, transfer of fund, change of address, online statements, check viewing and bill payment.
• No-surcharge ATM access at more than 1,000 Shared Service Center locations nationwide, with more office locations to serve you than any other area credit union
• Specialized investments and planning through MEMBERS Financial Services
• Low-rate Visa and Rewards Visa
• Financial education seminars and savings clubs for kids, teens and young adults.

Credit Unions Are Better Than Banks
Each day credit unions prove that high standards of excellence bring new benefits, greater convenience, and state-of-the art account protection and technologies. Credit unions offer members real financial solutions for their unique situations.

Credit unions offer a better deal than banks because they don’t have to make profits for outside shareholders. That’s better for you.

Why not look at an alternative – like moving your account to a local credit union instead?