Member Service

Security & Privacy Policy

MCU will never contact you by email, text message or telephone to ask you to update or verify your account information. During the online banking login process, we will never ask you to further verify your login by inputting credit card or account information. Do not respond to unsolicited text messages, email messages or telephone calls that ask for any account information or other private information. If you think your accounts have been compromised, report it to our Fraud Department by filling out and submitting a Fraud Investigation Request Form.

At MCU, we employ the highest standards of security to ensure the protection of your account information against Identity Theft and Fraud. We utilize advanced networking security technologies to protect our computer systems. Whenever personal information is requested or displayed on our web site, we use 128-bit Secure Socket Layer (SSL) technology to encrypt your personal information so that it is scrambled when it is transmitted over the internet and then decoded once it reaches your browser. You can confirm that your session is secure by looking for a small lock symbol in the lower corner of your web browser. You can also look for the letters https:// at the beginning of the URL in your web browser. The letter "s" in https means that the connection is secure.

MCU Online Banking (including MCU BillPay and eStatements)

To access your account online, you must enroll in MCU Online Banking. In addition to requiring a user ID and password to login, we use a Second Authentication process to ensure that your account will only be accessed by you. Online banking users are required to provide answers to personal security challenge questions. Users will then occasionally be prompted to provide the answer to a challenge question before they can proceed to online banking. Additionally, your online banking session will end or automatically "time-out" after inactivity. A browser that supports 128-bit encryption is required to use MCU Online Banking. For more information on MCU Online Banking System Requirements, click here.

Online Loan Applications

Loan application submitted through the MCU web site are secure and encrypted. Applicant information is protected by multi-level data security. You can apply online with confidence that your information is secure and protected.

Learn about the latest Scams that you should be aware of, as well as tips to protect your account information.

If you think your MCU accounts have been compromised, let our Fraud Department know immediately by filling out and submitting a Fraud Investigation Form.

Fraud Alerts and Tips:

  • IRS Warns of Biggest Tax Scam Ever
  • Major Retailer Security Breach
  • Contest Winner Notification Scam
  • Tech Support Phone Scam
  • Financial/Private Consultant Scams
  • Account Protection Phishing Scam
  • Online Banking Phishing Scam

Privacy Policy

At Municipal Credit Union (MCU) your privacy is important to us. This Internet Privacy Policy is intended to explain how we treat information received from our MCU web site

General Information

No personal information, such as your name or address, is collected automatically when you visit our web site. We automatically collect no information which would identify you personally.

Information Collected and Stored Automatically

For site security purposes and to ensure that this service remains available to all users, Municipal Credit Union utilizes software programs to monitor network traffic in order to identify unauthorized attempts to upload or change information, or otherwise cause damage.

Web site management information is collected for statistical purposes. Computer software programs are used to create summary statistics, which are used for such purposes as assessing what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas.

Only the following information is automatically collected and stored when you visit our web site:

The Internet domain (e.g., AOL, or MSN) from which you access our Web site.

The make and model of Internet browser software that you have used when accessing our Web site.

The number of times that you have visited our Web site during the current month (MCU utilizes "cookies". A "cookie" is a file placed on your hard drive by a Web site that allows it to monitor your visit. You can set your browser to warn you when placement of a cookie is requested and decide whether or not to accept it.)

Information Collected from E-mails and Web Forms

When you send us personally identifying information, for example, in an electronic mail message containing a question or comment or by filling out a form that e-mails us information, we use this information to fulfill or respond to your requests. We may store these requests to provide us with information for future improvements to our Web site. We may forward your e-mail to third parties who provide specific products that you are requesting information about. We do not create individual profiles with this information you provide. MCU does not give, sell or transfer personal information to third parties unless: a) it is necessary for completing a transaction, or b) it is required to verify the existence and condition of your account for a third party, or c) it is required by law or, d) you give MCU your permission.

Loans APR
Auto Loan 1.45%
Personal Loan 7.90%
Mortgages APR
30 Year Fixed 4.393%
HELOC 3.25%
Savings Rates APY*
IRA 18-Month Variable 0.50%
CD 36-Month 0.95%

*Annual Percentage Yield Visit our Rates page for more information