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Contact Us

    • 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

    Online Banking


    Safeguard your money with MCCU

    Your hard-earned money is safe with Members Cooperative Credit Union. We’re federally insured by the National Credit Union Share Insurance Fund (NCUSIF), which means your deposits are insured up to at least $250,000, just like at a traditional bank. The difference is that our coverage is called share insurance and is provided directly by the NCUSIF, administered by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the U.S. government.

    We’ve got you covered

    All types of share accounts and deposits received at MCCU are insured, including:

    • Certificates 
    • Checking 
    • IRAs
    • Money markets
    • Savings
    • Trust accounts 

    Note: Safe deposit boxes aren’t insured.

    Coverage Examples

    The type of account ownership can affect your coverage amount and increase insurance beyond $250,000. MCCU staff can work with you directly to understand your specific account types and your insurance coverage, as each situation is unique. 

    Account Ownership Type

    Example Account

    General Insurance Coverage


    Savings, checking or money market:
    Self only, with no beneficiaries



    Savings, checking, money market, or share certificates: Multiple owners

    $250,000 in aggregate
    insurance for each owner 


    Formal or informal revocable trusts $250,000 per beneficiary

    For more information, check out these options

    Learn icon

    Learn about NCUA 

    Overview icon

    Overview Share insurance

          Estimate icon

     Estimate your insurance needs

    At MCCU, we exist to make our communities stronger, our employees happier, and our world better. That starts with making sure your money is protected.

    This information is designed to give a general overview of share insurance. All actual claims for share insurance will be governed exclusively by information set forth in the credit union's records and applicable federal statutes and regulations.

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    NCUAEqual Housing Lender

    This credit union is federally insured by the National Credit Union Administration. We do business in accordance with the federal Fair Housing Act and Equal Credit Opportunity Act.

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