Frequently Asked Questions

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We have offices in Aitkin, Baxter, Cloquet, Duluth (BlueStone, Miller Hill and Spirit Valley), Grand Rapids, Isanti, McGregor, Moose Lake, North Branch and Sandstone. For addresses and maps see our Hours & Locations page.

Please visit our Hours & Locations page for branch business hours.

The fax number at our Member Solutions Center is: 218-625-3018. Visit our Hours & Locations page for a list of all office fax numbers.

It's very likely that you are! Please visit Join MCCU, 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.

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 this information to Members Cooperative Credit Union, P.O. Box 161527, Duluth, MN 55816.

You may call our Member Solutions Center at: 218-625-8800, and we can take your application over the phone, mail, or fax an application to you. You can also come in to any of our offices to apply in person.

Visit our rates page to find rates for share certificates, savings, money market savings, checking, personal and auto loans and credit cards. For all other rate information, call: 218-625-8500 or 1-800-296-8871.

Yes, we offer a range of mortgage loan options, home equity loans and lines of credit, home improvement loans, raw land loans, and refinancing options. For more information, call our mortgage department at: 218-625-8580.

You can reorder checks by contacting any of our offices, or by using the online order form.

To change your payroll deduction form, you can ask anyone at our offices, or call our Member Solutions Center at 218-625-8500. We can fax a form to you.

During MCCU office hours, you may call us at: 218-625-8500. After business hours, please call the 24-hour toll-free number: 1-800-417-8715.
 

During MCCU office hours, you may call us at: 218-625-8500. After business hours, please call the 24-hour toll-free numbers: 

Debit/ATM Card: 1-800-417-8715
ELAN Visa Credit Card: 1-800-558-3424
(Former Lake State) Credit Card: 1-800-556-5678

Payments and deposits should be mailed to the following addresses:

Payments:
Members Cooperative Credit Union
P.O. Box 161618
Duluth, MN 55816

General Mail:
Members Cooperative Credit Union
P.O. Box 161527
Duluth, MN 55816

Financial Health Solutions Mail:
Members Cooperative Credit Union
P.O. Box 161588
Duluth, MN 55816

Send us an e-mail and share your thoughts with us at: memberservices@membersccu.org!

How can I dispute the accuracy or completeness of information provided by MCCU to the credit reporting agencies?
MCCU makes accurate credit reporting a priority and will promptly investigate dispute claims when the following is provided:

• • Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address and telephone number of the consumer;
     
  • The specific information that the consumer is disputing and an explanation of the basis for the dispute; and
     

  • All supporting documentation or other information reasonably required by the credit union to substantiate the basis of the dispute (e.g., a copy of consumer report allegedly containing the inaccurate information, a police report, ID theft affidavit, court order, account statements, etc.) 

The credit union is not required to investigate disputes that are determined to be frivolous. To make a credit reporting discrepancy claim, please submit the credit dispute report form contained in the link below along with the information listed above. The mailing address is: Members Cooperative Credit Union, P.O. Box 161527, Duluth, MN 55816.

Credit Dispute Report Form