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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

    Online Banking



    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 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 integrating into Grand Rapids. 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.

    Open an Account Online

    Membership Benefits & Product Perks

    As if our great rates and service weren’t enough, we also partner with providers to offer extra-special perks to our members!  As an MCCU member, you’ll enjoy:

    • Local ownership and decision-making
    • Peace of mind, with accounts insured for up to $250,000 by NCUA
    • Seriously great rates on savings and investments
    • Low rates on loans for vehicles, mortgages, debt consolidation and more
    • No-surcharge ATM access at more than 1,000 Shared Service Center locations nationwide
    • Specialized investments and planning through Mass Mutual Financial Group
    • Low-rate Visa and Rewards Visa credit cards
    • Youth education and savings clubs

    Product Perks

    Sprint Logo


    Looking for a great plan and a little extra cash? MCCU members can tap into the Sprint Unlimited Plan and these amazing cash rewards.

    1. Members can get a $100 CASH REWARD for each new line you activate with Sprint.*
    2. Current Sprint customers get a $50 cash reward for each new line transferred into Sprint Credit Union Member Cash Rewards.*
    3. You’ll get a $50 loyalty cash reward every year for each line*.
    4. Plus, credit union members are eligible for 25% off accessories with the Sprint Credit Union Member Cash Rewards program.

    Plus, enjoy Sprint’s reliability, which now beats T-Mobile and performs within 1% of AT&T and Verizon.** You can also enjoy a great price for fully featured Unlimited.

    Get started today!

    • Become a Sprint customer and mention you’re a credit union member
    • Register at 
    • Allow up to six to eight weeks to see cash rewards directly deposited into your credit union account

    Get all the BENefits of credit union membership. Click here to sign up today! 

    *Restrictions apply 

    **Claim based on Sprint’s analysis of latest Nielsen drive test data for average network reliability (voice & data) in top 106 markets. 

    Discounts from AAA
    Discounts from AAA

    Enjoy peace-of-mind with AAA! As an MCCU member, you’ll receive:

    • A 15% discount on AAA membership
    • Exclusive AAA discounts on meals, lodging and more
    • Free maps and travel guides

    Call 800-222-1333 to speak with a AAA representative

    Nickeoldeon Universe

    Nickelodeon Universe Ticket Discount

    Save on Nickelodeon Universe Wristbands!

    1. Visit
    2. Click on the Tickets tab at the top of the page
    3. Click the Corporate Group Sales tab
    4. Enter username*, password, and unique company code

    MCCU Company Code: MSCCU852 

    * New customers will need to set up an account with your information to make your first purchase.

    This offer is valid for employees or members of Members Cooperative Credit Union.
    Questions? Contact or (952) 883-8809

    Sirius XM Satellite Radio

    Get a free 3-Month All Access SiriusXM® trial subscription with an eligible used auto loan from MCCU!

    You get it all… all at the press of a button. Turn up the best commercial-free music, plus every major sport and the biggest names in entertainment, comedy and news. Jam out, laugh out loud and show every errand who’s boss. Just don’t blame us when you consider taking the long way home.

    Certain vehicles with factory-installed satellite radios may not qualify for Sirius XM satellite radio service subscriptions as part of the Credit Union Program, including vehicles with active SiriusXM satellite radio service subscriptions, vehicles which have received the SiriusXM satellite radio service (on a trial or paid subscription basis) in the prior 12 months, and/or other vehicles as reasonably determined by SiriusXM in its sole discretion. SiriusXM may at its discretion provide subscriptions to the SiriusXM streaming service or other qualified services to owners of vehicles that do not qualify for satellite radio service subscriptions and/or to owners that do qualify. *Details: If you decide to continue service after your trial, the subscription plan you choose will automatically renew thereafter and you will be charged according to your chosen payment method at then-current rates. Fees and taxes apply. To cancel you must call us at 1-866-635-2349. See the Customer Agreement for complete terms at All fees and programming subject to change.

    Save On TurboTax!

    Save on TurboTax, the smarter way to get your taxes done right 

    As a member of MCCU, you can save $5 on TurboTax® Deluxe — the #1 best-selling tax software. With TurboTax, you’ll get your taxes done right and your biggest possible refund, guaranteed.

    • NEW: Expert review of your return. With TurboTax Live, you can have a live CPA or EA by your side to answer questions and review your tax return. 
    • Get a head start on your taxes. Snap a photo of your W-2, or import it into TurboTax from over 1 million companies. Either way, you’ll save time and get a jump start on your tax return.
    • Searches over 350 deductions. TurboTax finds every deduction and credit you qualify for so you don’t miss a thing.

    Start TurboTax today and save!

    #1 Best-Selling brand of tax software based on aggregated sales data for all tax year 2016 TurboTax products. 
    Visit for TurboTax product guarantees and other important information.
    Limited time offer for TurboTax 2017. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice.  Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.

    Find out more.

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