(The Apply button above is for non-MCU members.  If you are already a MCU member, you may open some accounts through NetBranch using the Open New Account link in the left pane.)

Savings is the backbone of any financial plan, and at MCU, we have three great accounts to keep your money safe and working hard.

Best of all, though, your money's safe here.  Every account at Members Credit Union is insured by the National Credit Union Administration to at least $100,000 (IRA's up to $250,000), so you can put your money here with confidence, knowing that it’s safe.

The more you put into our RealRate Money Market, the more you earn! This is a “tiered” account, so as your balance increases, so does the rate you earn. It has a minimum opening balance of $2,500, and has five tiers of earning power. Again, there’s no account fee and you receive six free withdrawals per quarter.

Help teach kids the value of saving money.  With the Dollar Dog Kids Club, members receive an official membership card and new account packet with coloring pages and stickers.  For each deposit of $5 or more, they receive a gift and a paw print.  Paw prints can then be redeemed for more prizes, the more paw prints, the bigger the prize!  All it takes to open a Dollar Dog Kids Club account is $5, the standard membership fee is waived.

This is a smart way to save for your child's education.  The Educational Savings Account's sole purpose is to help you pay for your child's education expenses, such as tuition, fees, books, supplies and equipment.

Like a Roth IRA, your contributions to an ESA aren’t tax deductible, but the earnings grow tax free so long as the proceeds are used to pay educational expenses any accredited elementary school, grade school, high school, or college.

You can contribute up to $2,000 per year (each child), and you can contribute to the account until the child reaches age 18.