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    • Use the form below to contact us directly for general questions or to provide feedback. Please do not include member numbers or account numbers. If your need is urgent, we invite you to contact us by phone at: 800-296-8871 or stop by any of our office locations.

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    Members Cooperative Credit Union Go to main content

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    From eight to forty-eight thousand. A few good people can empower generations.

    In the spring of 1936, a group of eight people from the Cloquet area - seven men and one woman - envisioned a better way of getting the financial services that they and their community needed. They became the charter members of Cloquet Co-op Credit Union. Each person deposited $5 and formed the organization with just $40 in capital.

    In the decades that followed, MCCU grew, adding branches and expanding into Duluth, McGregor and Aitkin. In 2015, we merged with Lake State Credit Union, integrating our Moose Lake, Sandstone, North Branch and Isanti locations. In 2017, we merged with Lakes Area Federal Credit Union, bringing us into Grand Rapids. Most recently, in February of 2018, we expanded into the Brainerd Lakes Area, opening a branch in Baxter.

    Today, our family has grown across the state, to tens of thousands of members. Their confidence and continued support have made MCCU the largest credit union based north of the Twin Cities. We’re proud of our growth, but we’re more proud to continue the community-focused legacy our founders envisioned, and to empower new generations of members and their families.

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    Talk about a worthwhile investment! MCCU is proud to support the academic endeavors of students in our communities with our annual Future Leaders Scholarship awards.

    2021 graduating high school seniors who plan to attend an accredited college or university are invited to complete and submit an application. We will be awarding a total of 11 scholarships, in the following amounts: 

    • 1 - $2,500
    • 5 - $1,000
    • 5 - $500

    Completed applications and all supporting documents must be submitted online by March 31, 2021.

    To apply, complete our online application below:

    If you have any questions, please contact: or (218) 878-3687.


    Members Cooperative Credit Union scholarships are awarded based on a number of factors, including but not limited to, academic history, community involvement and proven leadership skills, and recipients are selected at MCCU’s sole discretion. Scholarship awards are not transferrable. To be eligible, you must currently attend a high school in an eligible county*, attend a college or university that is accredited by a regional or national accreditation agency recognized by the U.S. Department of Education, enroll and complete courses during the Fall 2021 term, be actively seeking a degree, and promptly provide your Fall 2021 official transcript to MCCU upon completion of the term. A completed application and all supporting documents, including high school transcript, video submission and photo, must be submitted online by March 31, 2021. Scholarship funds will be mailed via USPS first class mail to selected recipients that meet all scholarship eligibility requirements.

    *Minnesota Counties - Aitkin, Carlton, Cass, Chisago, Cook, Crow Wing, Isanti, Itasca, Kanabec, Koochiching, Lake, Pine, St. Louis, or Washington Counties; Wisconsin County - Douglas

    * Required Fields
    Date of Birth:
     /   / 

    Please attach a copy of your current high school transcript.
    Graduation Date:
     /   / 

    Short Answer Questions

    Please answer each question in 200 words or less.

    Education/Career Goals:
    Family/Community Involvement:
    Work History:

    One-Minute Video Submission

    Submit a response to the following question:

    Why is it important to give back to your community?

    (Please make sure the video url is viewable.)

    By signing below I affirmatively state that all of the information contained in my 2021 Future Leaders Scholarship application, video and essay is accurate.

    By signing below I grant permission and consent to Members Cooperative Credit Union, their affiliated companies, their licensees and assigns (collectively “MCCU”) to use, edit, broadcast and distribute any image, voice, recording (on any media) and information included in my 2021 Future Leaders Scholarship application, video and essay submitted to the credit union. This permission and consent includes, but is not limited to, the use, broadcast and distribution of the name of my hometown, the name of the high school I attend(ed), the college or university I will attend, my anticipated major and other biographic information. I further grant permission and consent to MCCU to use, broadcast and distribute my image, voice, written statements, verbal statements and to record my picture and/or voice (on any media) in connection with my scholarship application and scholarship receipt, if applicable, and to edit these recordings at their discretion. I am granting permission and consent without restriction for purposes of publicity, advertising and sales promotion.
    I hereby represent and certify that I have read, understood and consent to this statement

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    Security Code:

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    National Credit Union Administration Equal Housing Lender
    This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Credit Opportunity Act.
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