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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




    Borrow better, with our competitive-rate loans, for all your needs!

    Apply Online for a Loan

    Personal Loans
    NameTermAPR as low as
    Traditional Auto Loan- 2019 and newer vehicles** 36 Months 2.54%
    Traditional Auto Loan- 2013 and newer vehicles** 60 Months 2.64%
    Drive & Save Auto Loan- 2019 and newer vehicles** 36 Months 3.04%
    Drive & Save Auto Loan- 2016 and newer vehicles** 60 Months 3.14%
    Recreational Loan 2018 and newer** 48 Months 2.94%
    Recreational Loan 2012-2017** 48 Months 4.64%
    Unsecured Signature Loan**   8.99%
    Fast Funds Line of Credit**   15.00%
    Unsecured Line of Credit**   8.99%
    Share Certificate/Secured Loan* **   4.00%
    Secured Partnership Loan**   9.00%
    Credit Builder Loan* **   4.00%

    Have questions? We're here to help! 

    Click here to schedule an appointment, call us at: 218-625-8500 or use our convenient Video Banking service to apply.

    APR is the Annual Percentage Rate. Rates are effective May 26, 2021 and are subject to change.

    *Interest rate is 2.00% above the rate earned on share certificate. Share Secured and Credit Builder loans are not eligible for the automatic payment rate deduction.

    **Rates listed are the lowest possible rates. Rates may be higher depending on credit history, down payment, collateral, loan amount and term length. Subject to loan approval. Rates, terms and conditions may change at any time. MCCU membership is required. The above rates are set with the expectation that payments will be set up on automatic withdrawal from an MCCU depository account. Add .25% to loan rates that are not set up with automatic withdrawal.

    Business Loans

    We keep our rates fresh! Please contact our Business Services Team for our current commercial loan rates, at: 218-625-8890 or 800-296-8871.

    Mortgage & Home Equity Loans

    For current mortgage rates, please contact an MCCU Mortgage Team member.

    Check out our great refinance rates at a branch near you!

    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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    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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