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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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    Fill that nest with plenty of eggs! Earn more and save more, with our flexible, higher-yielding investment products.


    A comfortable retirement doesn’t happen by accident. Plan ahead with an MCCU IRA Account.

    Open an IRA account online

    Traditional IRA

    • A good choice for anyone who doesn't have an employer-sponsored retirement plan
    • Allows for fully tax-deductible contributions of up to $5,500 annually, or $6,500 over age 50
    • Earnings grow tax-deferred
    • Earnings are taxed as ordinary income when withdrawn
    • Withdrawals prior to age 59½ are subject to a 10% penalty tax (unless certain exceptions are met)
    • Dividends are compounded monthly

    Roth IRA

    • Not initially tax-deductible, but offers the benefit of a tax-free withdrawal later
    • After five (5) years, withdrawals are tax-free, after age 59½
    • Maximum $5,500 annual contribution - or $6,500, if you are over age 50
    • Dividends are compounded monthly

    Certificate IRA (“IRA CD”)

    • Offers a higher rate of return and is renewable upon maturity
    • Similar tax benefits to the Traditional and Roth IRAs
    • Minimum deposit of $1,000
    • Choice of 24-, 36- or 60- month terms
    • Dividends compounded quarterly

    Check out our current IRA product rates

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