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- No minimum balance, no monthly maintenance fees
- Open with as little as $5.00
- Get paid up to 2 days early with Early Pay
- FREE Online Banking
- FREE Online Bill Pay
- FREE Mobile Banking
- FREE Mobile Deposit
- FREE Customized Security Alerts
- FREE usage at over 7,200 SUM network ATMs
- Four FREE foreign ATM or Point of Sale transactions
- Send and receive money in minutes with family and friends using Zelle®
- FREE eStatements ($3.00 fee for paper statements)
- Discount on certain Consumer Loans with automatic loan payments
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- Open with as little as $5.00
- $5.00 monthly maintenance fee waived with $500.00 minimum balance.
- Get paid up to 2 days early with Early Pay
- FREE Online Banking
- FREE Online Bill Pay
- FREE Mobile Banking
- FREE Mobile Deposit
- FREE Customized Security Alerts
- FREE usage at over 7,200 SUM network ATMs
- Eight FREE foreign ATM or Point of Sale transactions
- Send and receive money in minutes with family and friends using Zelle®
- FREE eStatements ($3.00 fee for paper statements)
- 0.25% discount on certain Consumer Loans with automatic loan payments
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- Open with as little as $5.00*
- $15 monthly maintenance fee waived with $5,000.00 minimum balance
- Interest bearing – 0.05%^ A.P.Y.**
- Get paid up to 2 day early with Early Pay
- First order of basic checks FREE
- FREE Online Banking
- FREE Online Bill Pay
- FREE Mobile Banking
- FREE Mobile Deposit
- FREE Customized Security Alerts
- FREE usage at over 7,200 SUM network ATMs
- Reimbursement of 2 fees each month charged at foreign ATMs
- Send and receive money in minutes with family and friends using Zelle®
- FREE eStatements ($3.00 fee for paper statements)
- 0.50% Discount on certain Consumer Loans with automatic loan payments
*Minimum amount required to open this account and earn the stated APY
**Annual Percentage Yield
^Rate is subject to change without notice. Rate is effective as of 5/16/25
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A companion to MCU’s Youth Banking Savings Account. Available to the parents/guardians of students that participate in MCU’s School Banking program at the following schools:
- Elmwood Street Elementary School, Millbury
- Raymond E. Shaw Elementary School, Millbury
- Heard Street Discovery Academy, Worcester
- Gates Lane Elementary School, Worcester
- Millbury Street Elementary School, Grafton
Features of this account:
- Open with $5.00*
- High-yield interest bearing checking account – currently 3.00%^ A.P.Y.**
- Receive direct deposits up to 2 days early
- Online banking
- Bill pay
- Mobile banking
- Mobile deposit
- Free ATM usage at over 6,200 SUM Network ATMs
- $3.00 fee for paper statements
- eStatements – no fee
*Minimum amount required to open this account and earn the stated APY
**Annual Percentage Yield
^Rate is subject to change without notice. Rate is effective as of 4/24/24
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Available to enrolled students between the ages of 14 and 26.
- No minimum balance, no monthly maintenance fees
- Open with as little as $5.00
- Get paid up to 2 days early with Early Pay
- FREE Online Banking
- FREE Online Bill Pay
- FREE Mobile Banking
- FREE Mobile Deposit
- FREE Customized Security Alerts
- FREE usage at over 7.200 SUM network ATMs
- Reimbursement of 4 fees each month charged at foreign ATMs
- Send and receive money in minutes with family and friends using Zelle®
- FREE eStatements ($3.00 fee for paper statements)
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Use your MCU Debit Card to make everyday purchases such as groceries and gas. Using your MCU Debit Card is easy. Simply swipe your card, choose “credit”, and sign your name. Your purchase will appear on your statement with the date, amount and store name.
- Quick access to cash 24/7 at millions of ATMs worldwide.
- No fee at MCU ATMs or any of the 7,200 ATMs that are a part of the SUM network, across the country. Simply look for the SUM symbol at participating ATMs. If you are going out of town, find out which machines are participating where you are traveling.
- Using your debit card is safe: MCU uses the highest level of security and fraud prevention.
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Protect your debit card through our mobile app with My Cards, by defining when, where and how your card is used.
- Easily turn your card on and off using your smart phone
- Set alerts based on dollar amount and location
- Set spending limits based on dollar amount and location
Early Pay
Faster access to direct deposit funds is here, with Early Pay. Open an Anytime Anywhere checking account to get needed funds up to two days early!
MCU's Home Equity Line of Credit
With MCU’s interest-only Home Equity Line of Credit. Initial rate of 5.50% APR for the first 12-months, (prime rate minus 2.00%) then prime rate each month thereafter. Call 508-865-7600 for more information.
Pay Your Loan
Online loan payment processing is now available! Set up a one-time or recurring payment using your non-MCU checking or savings account. There is a $5.00 convenience fee for each payment made.