Product & Services
Savings Accounts
Share/Savings Account All members must open a share/savings account to become a member of the credit union. To open an account, come to one of our branches and bring two IDs (one State issued photo ID and a secondary ID) along with a $25.00 minimum balance deposit. Call the credit union for more information on how to open an account.
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 Accounts
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.
ATM/Debit Cards
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.
E-statement Information
E-Statements are available to all members for free. To enroll in E-Statements, you will have to be enrolled in online banking and have an active online banking account. Once logged into your online account, you can click on the E-Statement link to sign up for E-Statements. PLEASE NOTE: You must log into your online account on a regular basis to keep it active. Should the account go inactive, your E-Statement cannot be delivered to your online account and will convert to a paper statement that will be mailed to your home address on file with the credit union. In addition, should your E-Statement convert to a paper statement due to inactivity, a paper statement fee may be charged. (Refer to the most recent Fee Schedule for the amount of the fee under the Rates link)