Memorial Credit Union offers a host of financial products to meet all your financial needs.
  Click on one of the links above for more details on specific product offerings.

Our list of products include:

SAVINGS / CHECKING

Share / Savings Accounts
Christmas Club Accounts
Checking Accounts
Term Shares (CD) Accounts

Savings

Holiday/Christmas Club
This is a great way to save money for Christmas shopping!  You may periodically deposit into your club account or sign up for direct deposit/payroll deduction. Christmas club checks are disbursed around the first week of November. Throughout a club term, you are allowed two withdrawals with no penalties.  A $25.00 excessive withdrawal fee will be charged for the third and subsequent withdrawals made during a club term.

Vacation Club This is a great way to save money for vacation! You may periodically deposit into your club account or sign up for direct deposit/payroll deduction. Payroll club checks are disbursed twice per year at your request. Throughout a club term, you are allowed two withdrawals with no penalties. A $25.00 excessive withdrawal fee will be charged for the third and subsequent withdrawals made during a club term.

Checking

Slim Line Share Draft (52-1)

• Free Home Banking
• $6.00 per month package fee
• No minimum balance
• No dividends are paid
• Free Bill Payment Service *
• Low cost check printing
• $4.00 paper statement fee (Can be avoided by enrolling in e-statements)

Basic Share Draft (50-1)

• $2.00 per month package fee with minimum balance of $250.00
• No Maintenance Fees (exception: $4.00 fee  for minimum balance violation) 
• Free Home Banking
• Dividends paid
• Free Bill Payment Service *
• Low cost check printing
• $4.00 paper statement fee (Can be avoided by enrolling in e-statements)

Premium Share Draft (51-1)

• No monthly fee with minimum balance requirement of $500.00
• No Maintenance Fees (exception: $7.50 fee for minimum balance violation)
• Free Home Banking
• Dividends paid
• Free Bill Payment Service*
• Low cost check printing
• $4.00 paper statement fee (Can be avoided by enrolling in e-statements)

* Bill Payment Service is free for all Share Draft Accounts with a Visa debit & credit card. Without a Visa debit & Credit Card there is a monthly $4.95 fee.

HARLAND CHECK REORDERING
You can now order checks via the Harland website.
Click the Harland icon on the Quick Links Page to order.

Loans

UNSECURED LOANS

• Signature Loans
• Helping Hand Loans
• 90 Day Notes
• Holiday Loans

SECURED LOANS

• New Autos
• Used Autos
• Boats
• Motorcycles
• Motor Homes
• Travel Trailers 
• All Terrain Vehicles
• Share Secured
• Share Certificate Secured

 

Credit Cards

"The Card Without A Catch"

• The credit limit is based on annual salary and credit history.
• The Visa credit maximum limit is $10,000.
• Fixed Rates
• APR ranges from 12.00%, 14.00%, or 17.00% depending upon your credit score.

For lost or stolen cards call the credit union at 423-855-1770 during regular business hours or 800-991-4961 after hours.

ATM/Debit Cards   

Debit Card

Funds to cover your card purchases will be deducted from your share draft account.  If the balance in your account is not sufficient to pay the transaction amount, the credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts that you have established with the credit union.  In the event of repeated overdrafts, the credit union reserves the right to terminate service.

Fees and Charges

• No Fee from MCU

You may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).  The ATM surcharge will be debited from your account if you elect to complete the transaction or continue with the balance inquiry.

For lost or stolen cards call the credit union at 423-855-1770 during regular business hours or 800-991-4961 after hours.