Annual Meeting


MCCU's Annual meeting is Monday, January 22, 2018

It's at 5PM in the lobby of the Credit Union.

Board Nominnees

JOHN STRAWSERJames Schaarkevin Rismiller

                     John Strawser                                James Schaar                                 Kevin Rismiller


We need your help to pick two of the nominnees to be on the board, by coming in and vote!



MCCU is having its annual 50/50 raffle. Raffle will be held on Monday, January 22nd during the annual meeting.

1 Ticket for $1

6 Tickets for $5

15 Tickets for $10

Funds raised goes to our scholarships!

January promo






REMEMBER: We will try to beat any other institution's vehicle loan rates.  Stop by the loan department or call 937-548-0360 for all the details about our CarFax and low loan rates.






Looking for a vehicle? Stop by the office and get Pre-Approved.

CarFax reports are now available when applying for a vehicle loan!  


mobile icon

Instructions for mobile icon

For Apple Devices:

         1. Open Safari and type

           2. Tap  at the bottom of the screen

           3. In the bottom right corner choose "Add to Home Screen"

           4. In the top right corner click "Add"

For Android Devices:

         1. Open Google Chrome

          2. Go to

          3.  In the top right corner of your phone click on the three dot settings and choose the " Add to Home Screen" option

          4. Click Add


1. Open FireFox

2. Go to

3.In the top right conrner of your phone click on the three dot settings and choose the "page" option

4. On the new Menu Choice "Add to Home Screen"

Call (937) 548-0360 for any issues


You can register and manage your Members Choice CU VISA Credit Card and Members Choice CU Mastercard Debit / ATM Card to alert you of any activity on your card(s).  When you register, you set the parameters to generate an alert to be sent to you.

VISA Credit Card:

Mastercard Debit / ATM Card:

If you have any questions. please contact Members Choice CU at 937-548-0360.




Using Members Choice CU Debit Card?  Please be aware that some merchants are running your debit card as an ATM transactions which causes ATM fees at the end of the month, if used more than 4 times within the month.  Therefore, our guidelines are changing to allow up to twenty (20) free transactions per month before accessing a fee.


Remember starting October 1, 2016, member main share accounts require a balance of $25.  If the new account is closed within 90 days of opening, a $25 fee will be charged at closing.




Benefits to a checking account with Members Choice CU:  * FREE Bill Pay;  * Online Banking - 24/7 Access;  * No required Minimum Balance;  * Overdraft Protection;  * Interest earned on balance of $1,000 or more;  * No per Check charge;  * Unlimited Transactions;  * Duplicate Checks.

Go the the document tab and download the paperwork to help transfer your checking account to Members Choice CU.

VISA Credit Cards

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For Credit Card Tips from the Consumer Financial Protection Bureau


To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at

Looking for a secure credit card? Members Choice Credit Union offers VISA credit cards at a low fixed rate and no annual fee. Cards now have the EMV (Europay, Mastercard, and Visa) chip for more protection.

General Tips on Safety:  Report lost cards immediately, don't leave the card anywhere it coud be easily taken, memorize your PIN, shred all documents that contain personal or financial information, don't fall for scare tactics by phone or by email.

If you need a credit card or want to transfer a credit card balance with a higher variable rate, stop by the office for details/disclosure.


Looking for financial help to attend college?   Now is the time of year when most families realize that they need additional funds for college.  Click the above link to see various options that may await you.


Harland Check reorder            Members can now re-order checks for Share Draft accounts from Harland Clarke by clicking this icon or go to the Links page.  If you have an address or name change, you must still come to the office at Members Choice CU, 725 Pine Street.  Beware that using rush ordering may not expidite shipping, and costs more.

Sprint Discounts

Member Cellular Discounts with Sprint

Get a $100 Cash Reward for Every New Line - This new exclusive cash rewards offer is our best one ever!  Now, as a credit union member, you can earn $100 for every line when you switch to Sprint.  Here's how it works:  Members get $100 cash reward for every new line when you switch to Sprint.  Current Sprint customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Cash Rewards.  Plus, get a $50 loyalty cash reward every year for every line.

Here's how to sign up for Sprint cash rewards:  Become a Sprint customer; register at or in the Love My Credit Union Rewards app; allow up to six or eight weeks to see cash rewards directly deposited into your credit union account!

Make the switch today and save with the Sprint Credit Union Member Cash Rewards!

IRA Contributions

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Qualified taxpayers may make contributions of a maximum of $5,500; however if you are over 50 years old you may qualify to contribute an extra $1,000.  Stop by the office to start your retirement account.

Roth IRA Share accounts and Coverdell ESA (educational savings) Share accounts are available.  Contact your financial advisor to see if these accounts would be a benefit to you or your family.

For all IRA Share accounts, the Fair Market Value is furnished to the IRS.


 COST TO MAIL STATEMENTS:  Starting March 2014, accounts under $100 will be charged $1 per month to receive statements by mail.  Opt-in to E-statements today, on the Online Banking site using the Statements & Forms tab, to avoid getting charged.  Call the office with any questions.


shells      If you have an ATM/Debit Card and plan to go on vacation, call 937-548-0360 to let us know where you are going and how long you will be gone.  You can also call this number if you have problems with either card while on vacation.

VISA Gift Card

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Gift cards can and should be used when making purchases on the internet instead of giving your debit card number.  Don't forget VISA Gift Cards are great for giving as gifts for any occasion.  These cards are: *nonreloadable, *for non PIN based usage, *non-refundable, *card valid thru the date on the front of the card or until the value is 0, *funds valid for 7 years after initial load or until funds are depleted.  Fees: $10.00 replacement if lost/stolen, $5.00 after 12 months of non use and monthly until next transaction, International transaction fee up to 1% where conversion occurs or .8% if conversion not performed.  Call 866-833-2370 if card is lost/stolen and call the credit union for replacement card.  For further inquires,  Error Resolution: contact customer service within 60 days of transaction.

Remember, Members Choice Credit Union also has a VISA Credit Card.  Benefits of this card are: fixed rate, pay the bill here at our office, no cash advance charge, no annual fee.  Stop by the office to ask for full details/disclosure on both of these cards.

Free Credit Report

helpful links web page.jpg You are entitled to 1 FREE credit report from each of the three credit report agencies each year.  All you need to do is connect to '' and click Request Report and chose the agency that you want. If you request the score also, there may be a charge. To contact them by phone, call 877-322-8228.  If you have questions you can call the credit union office at 937-548-0360.


Changes have been made to the Deposit Terms & Conditions Disclosure.  To see the changes, go to the 'Document' tab and open the document titled 'Deposit Terms & Condition Change'.



  • MCCU was recognized as one of the top 25 Miami Valley credit unions for 2016.
  • We also received a Five (5) Star rating from
  • We appreciate your business and continually look for opportunities to serve you in the future.





Mobile Banking

MOBILE BANKING IS HERE!!!    Members with Smart Phones or iPhones can now obtain account balances and transfer money to other accounts.  The address is:  You use the same user name and password as Online Banking and answer the challenge question.  Mobile iPay Bill Pay will be coming in the near future.


                         BILL PAY IS HERE!!

You will find a tab in the Online Banking to process payments to your credit cards, your utility bills, or any other monthly bill from your Share Draft (checking) account.  You can send donations to your favorite charity or send a gift card to a friend.  Ask about this service.

ALERT - Watch Your Account

Please take notice!!!!!  Members Choice Credit Union never asks for any confidential or financial details by e-mail, telephone, or text message.  If you receive an e-mail, phone call, or text message claiming it is from your credit union, or from any financial institution, asking for financial or personal or sensitive data, do not reply.Do not respond by clicking on a link within the e-mail message.  NCUA will never ask you to answer an e-mail.  DO NOT OPEN and DO NOT REPLY to any of these e-mail requests.

Love My Credit Union Rewards

We have teamed up with 'Invest In America' to bring you savings on the things you buy every day from trusted American companies.  Turbo Tax is available on this site.

Save thousands on everything from your cell phone bill with Sprint or other discounts at over 1,200 major retailers with Shop America.

Discover how much you can save by visiting

Mastercard Secure Code

Members who hold a MasterCard debit card issued by Members Choice Credit Union are encouraged to enroll in the MasterCard SecureCode program.  It is as simple as clicking on the above banner and following the directions.

Local Routing Numbers

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To determine the availability of a deposited check, the following is observed: U.S. Treasury checks, wire transfers, checks drawn on Members Choice Credit Union, state or local government checks, cashiers check, certified check, teller's checks, may be considered next day availability.  All other checks are Local checks.  The first $200 from a deposit of local checks will be available on the first business day after the day of your deposit.  If questions, stop by the office for a disclosure.

E-Mail Addresses

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If you want a reminder when your monthly statement is available on-line, please review the 'member' tab to make sure your e-mail address is correct.  If you don't want the reminder, you do not have to have an e-mail address listed.

IRA Withholding Notice

IRA POST 70 1/2 PERIODIC PAYMENT OPTIONS:  Withholding Notice: Payments from your IRA are subject to federal income tax withholding, unless you elect no withholding.  You may change your withholding election at any time prior to your receipt of a payment.  To change your withholding election, complete the appropriate form provided by your credit union.  Withholding from IRA payments, when combined with other withholding, MAY relieve you from payment of estimated income taxes.  However, your withholding election does not affect the amount of income tax you pay.  You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient.

U.S. Savings Bond

U.S. SAVINGS BONDS are going paperless.  Savings bonds will no longer be issued through Members Choice Credit Union.  You now buy and manage savings bonds electronically through TreasuryDirect at