December Special

January Special

multi train

  I think I can, I think I can...

Transfer my debt to MCCU!


Auto transfer: 3.99% (APR 4.314%*) for 2013 or newer

with 640+ credit score

Unsecured transfer: 8.99% (APR 10.685%**)

*APR based on $25,000 loan for 5 years with a $199 closing cost

**APR based on $5000 loan for 3 years with a $75 closing cost



yellow train


You may See A ONE TIME chip card fee when your debit card renews. The other half of the fee is being covered by the credit union. If you have questions, call the office 937-548-0360.

mobile icon

Instructions for mobile icon

For Apple Devices:

         1. Open Safari and type

           2. Tap SAVE AS  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.




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

credit cards.jpg






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.


Get the money you need for school

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.

IRA Contributions

book web page.gif

Qualified taxpayers may make contributions of a maximum of $6,000; 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

Gift Card.JPG

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

linksMOBILE 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.


sign up for online bill pay its time to simplify your life click here

                         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

Mobile banking 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.

Mastercard Secure Code

Master card securecode

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

news web page.jpg

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 $225 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

links web page.jpg


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