Savings & Checking

Regular Share Savings

This account establishes your membership in the credit and makes you a member-owner. You can open this account with a little as $5.00. You will earn dividends which are added to the account quarterly. For your peace of mind, the account is insured by NCUA up to $100,000. You will be entitled to many financial services and will have one voting share at the annual meeting to help determine the future of your credit union.

You may open a second savings or sub share account to separate funds from your primary savings account. You may want to save for a special vacation, taxes, property taxes or a wedding. We can customize the name of the account to reflect the purpose for this account.

Christmas Club

This holiday savings account allows you to deposit as much or as little as you want to help with your holiday expenses. Dividends are posted annually on September 30th and the funds are transferred to either savings or checking on October 1st. Early withdrawals from this account will be accessed a $10 penalty.

Smart Saver Kidz Klub

Start out saving from an early age. Open a savings account for your child between birth and the age of 12 and receive $5.00 to get your account started.

Share Certificates (CD)

When you are looking for a better return on your savings while having the security of knowing your account is insured by NCUA up to $100,000, you will want to open a Share Certificate account (CD). You will get a competitive rate that is guaranteed for the term of the Share Certificate. You can open a Share Certificate with as little as $500 for a term of 6 months or one year. There is a penalty for early withdrawal.

FREE Checking

• No per check charge. Write as many checks as you’d like.
• No minimum balance
• No monthly maintenance fee
• Overdraft protection
  • transfer from savings with a small fee
  • set up a sequence of accounts to cover overdraft
• 24/7 account access through:
  • home banking
  • audio response
  • ATM access with Debit Card
• Earn dividends

To reorder your checks conveniently and securely click here!*

ATM/Debit Card

MUCU offers a free ATM/Debit Card to our members who have checking accounts with us. These cards may be used to make purchases or access cash at an ATM. A Members United Credit Union VISA Debit Card is a safe and a convenient way to use the money in your checking account.

Frequently, when you are shopping and ready to make purchases, you are asked “credit or debit?” and prompted to enter your PIN. We recommend that you respond “credit” and sign for your purchase. Why? Because you will save money! Your purchase amount will still come out of your checking account but you’ll avoid unwanted fees. Save your PIN transactions for when you need cash.

Protect yourself when making online purchases with your Debit Card. Click here* to register your Debit Card with Verified by Visa.

Checking/ACH/ATM Fees
Overdraft fee	$25.00 per check
Non-sufficient funds transfer fee	$10.00
Non sufficient funds item returned fee	$25.00 per check
Stop Payment Fee	$18.00 per check
Account Reconcilement	1st time free
Account Reconcilement	$10.00 per hour
Mandatory Closure	$30.00
Copy of Cleared Check	$3.00
Copy of Previous Statement	$3.00
Card Replacement Fee	$5.00
PIN Transaction Fee	$.50
Check Printing Cost	Varies by design
Deposited Item Returned	$15.00

* By clicking these links, you will be leaving Members United Credit Union’s web site. These links have been provided for convenience and education only. Members United Credit Union is not liable for the content or availability of any linked sites. We cannot guarantee the accuracy of information offered or the privacy of any information you may disclose while on the site. Members United Credit Union does not endorse any services or products offered at any linked site.