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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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    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

    Save Up To $15 on TurboTax!

    Get Your Maximum Refund and Special Savings on TurboTax

    Tax time doesn’t have to be stressful!  With TurboTax, you’ll get your biggest possible refund fast and your taxes done right. PLUS, credit union members save up to $15 on TurboTax federal products, all through tax season.
    TurboTax makes it easy to find the best solution for your unique tax situation. For example, are you a simple filer? Free Edition might be for you. Homeowner? TurboTax Deluxe searches 350+ deductions to make sure you get every tax break you qualify for. Independent contractor, freelancer or side-gigger?  TurboTax Self-Employed uncovers deductions personalized to you and your line of work, and includes a complimentary subscription to QuickBooks Self-Employed for effortless expense and mileage tracking, year round  (To receive your complimentary subscription to QuickBooks Self-Employed, sign-in and access your account at least twice by 7/15/20, see details*).
    File with confidence, knowing that TurboTax guarantees 100% accurate calculations, running thousands of error checks as you go. And if you do need help along the way, TurboTax has it: From answers online anytime, to unlimited advice and a final review from a CPA or Enrolled Agent with TurboTax Live.

    Save on TurboTax today! Try it for free and pay only when you’re ready to file.

    * Visit for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2019. Discount applies to TurboTax federal products only. 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.

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    • Get up to $200 cash when you switch two lines, plus lines 3,4 and 5 are FREE
    • Plus, $100 Annual Loyalty Cash Rewards and 25% off accessories in Sprint retail stores

    Nothing to lose & savings that add up

    Credit union members can try Sprint's improved LTE service for 30 days worry-free. If you're not 100% satisfied, Sprint will refund phone costs, service costs and fees.

    It's easy, here's how it works

    1. Switch to Sprint.
    2. Register your new line(s) at
    3. In six to eight weeks, your cash rewards will be deposited directly into your account.

    Visit to learn more.

    *Restrictions apply

    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

    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

    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.

    Find out more.

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    Patriot Act: Important Information About Procedures for Opening a New Account

    To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

    What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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