News & Events

 

 

 

What’s the Difference?

What’s the Difference?


Membership
The major difference between a bank and a credit union is the people who own it. Banks are corporations that pay earnings to shareholders while credit unions are member owned cooperatives that share their returns with members (owners) in the form of competitive rates for savings, CDs, loans, mortgages, etc.
Profit
Since banks are profit driven institutions, they must factor share holder profits into their business model, and in turn typically charge customers higher fees and rates to pay out those profits.
Financial Security
Another common misconception is that big banks offer more security for your money. The reality is that the NCUA (National Credit Union Administration) insures members up to 250k, the exact same amount as the FDIC!
Technology
In addition, credit unions offer the same electronic and high-tech features that big banks have but with unmatched hometown service, you can only get locally. MCCU provides members access to their money 24/7 with online banking, a mobile app and mobile check deposit!
Over 115 million Americans have already made the switch, learn how you can start getting more from your money, with McPherson Co-Op Credit Union!

 

TURN ON NOTIFICATIONS ON YOUR PHONE

Enabling Notifications will allow you to receive notifications when activity happens on your account. Notifications are turned on sepeerately for each device and each account. Check it out under Services in your menu!

Electronic Message Boards at MCCU

We have three electronic message boards in our new building. Check them out each time you come in, that's where we'll post important notices, new services, closings and events!
 

Visa Purchase Alerts For Your Cards

Visa Purchase Alerts For Your Cards

With near real-time alerts from MCCU powered by Visa, you can receive updates on your Visa® card activity. And this unique service is available free for MCCU Visa cardholders.
After your Visa card has been used, you’ll receive an alert through text message or email. If there is fraudulent activity, you can find out within minutes and act quickly to resolve the situation.
How you use the service is up to you. You can choose to receive alerts when your Visa card is used for purchases over a specified amount, online transactions, purchases outside the United States, and more. You can even customize the purchase amount threshold—for example, setting it to only receive alerts for purchases above $50.
Select the delivery options that best meet your needs, with text messages, emails, or both for extra security and convenience. Each alert contains important information, including the purchase amount, merchant name and location (if available), and the last [four] digits of the Visa card used to keep you best informed.
All this for free for MCCU Visa cardholders. Sign up for Visa Alerts at visa.com/alerts today, or click under ‘Links’ here on our website.
 

Our card specialists are working for you!

Our card specialists are working for you!

If you are traveling or making a one time large purchase, please let us know to alert our fraud department.

Apply for a VISA credit card today

Apply for a VISA credit card today

MCCU offers a fixed rate VISA credit card! Call us today for details!

MCCU is on the ATM Cooperative Network!

MCCU is on the ATM Cooperative Network!

You may use your debit card at over 30,000 ATM locations worldwide without a fee. Search for the nearest location on our Mobile App.

Remote Deposit Capture is Here!

Remote Deposit Capture is Here!

Download our Mobile App for Apple and Android devices and start making your deposits with the snap of a picture on your smartphone! Call for details!