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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


    First Step Home Loan

    The perfect option for first-time home buyers

    First Step Home Loans in Minnesota and Wisconsin

    • Only 2% down*
    • No Private Mortgage Insurance
    • Lock in rate during pre-qualification
    • Mortgage serviced locally


    Have questions? We're here to help! 

    Click here to schedule an appointment or contact our Members Mortgage Team.

    MCCU lends to Minnesota and Wisconsin residents only and property used for mortgage security must be within the states of Minnesota and Wisconsin. Membership and loan approval is required.

    Planning for your first home

    Get our First Step Home Loan Guides.

    *An example of a typical 10/1 adjustable rate mortgage requiring a 2% down payment: Annual Percentage Rate (APR) of 6.616% for initial 120 months with monthly payments of $6.16 per $1,000 borrowed followed by 240 monthly payments calculated with an APR based on the market index plus a margin. After the initial fixed period of ten years, the interest rate and payment amount may change each year. APR referenced in the example is the lowest rate available as of  08/10/2023 and may vary based on loan amount, borrower credit, loan to value, property type, occupancy, etc. MCCU membership required. Restrictions apply. Terms and rates may change at any time.


    The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at any branch office regarding the locations where HMDA data may be inspected.

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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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