how to join
Michigan Community Credit Union invites you to join our growing family! As a member, you'll be able to save time and money by taking advantage of our full range of affordable financial services. Our field of membership includes people who live, work, worship or attend school in Barry, Branch, Calhoun, Eaton, Hillsdale, Ingham, Ionia, Jackson, Kalamazoo, Lenawee, Livingston, Monroe, Oakland, St. Joseph, Washtenaw and Wayne Counties, Michigan.
Additionally, anyone who receives a retirement annuity, pension, social security, or similar payment from private or government sources, and lives in or belongs to a retirement organization located in a county named above or in a county contiguous to Jackson County, may belong to Michigan Community Credit Union. Donors to the American Cancer Society may also become members of the credit union, as well as relatives of Michigan Community Credit Union members. Eligible relatives include the following:
- Spouse
- Parents
- Grandparents
- Aunts/uncles
- In-laws
- Siblings
- Children
- Grandchildren
- Cousins
Plus, our "Once A Member, Always A Member" policy means you'll have access to our products and services for a lifetime, even if you retire, change jobs or re-locate.
Joining is easy! Simply complete a membership application and include a copy of your government issued picture ID and Social Security Card, along with your opening deposit. Michigan Community Credit Union membership requires a minimum Savings Account deposit of just $5.00, which is equal to one share in the Credit Union.
Why Join a Credit Union?
Your Credit Union provides more opportunity because it is owned and governed by the people who utilize its products and services. Every member owns a share of the Credit Union, and the Credit Union operates to promote the financial well being of all its members. And because we’re not-for-profit, members earn higher dividends on savings, pay lower rates on loans and appreciate a higher level of service overall. Credit Unions and banks offer many of the same products and services; however they differ in many ways. Here’s how…
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Michigan Community Credit Union
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Local or National Banks | |
| Type of Organization | Not for profit, not for charity, but for service | Generates profit for shareholders |
| Who Can Join? | Anyone who lives, works, worships or attends school in 16 Southern Michigan Counties (see "How to Join.") | General public |
| Who Owns It? | Members | Shareholders |
| Board of Directors | Unpaid volunteers | Paid shareholders |
| Fees | Typically, we have fewer and lower fees than those of banks | Fees generally account for one-third of banks’ total profits |
| Income Goes To | Members | Shareholders |
| Interactions With Like Financial Institutions | Cooperative | Competitive |
| Deposits Insured By | NCUA (National Credit Union Administration) | FDIC (Federal Deposit Insurance Corporation) |