Member-to-Member Newsletter

A head start on summer fun

Auto Loans

NO payments for TWO months on auto loans

Why wait? Spring is the perfect time to get ready for summer fun with your next car. We’ve lined up great low rates and you’ll enjoy NO payments for two months.

New car loans as low as 2.74% APR*

Used car loans as low as 3.74% APR*

Don’t delay. Apply online today

*Annual Percentage Rates effective 5/8/19, based on creditworthiness, subject to approval and include Loyalty Rewards discounts. Monthly payment per $1,000 borrowed for 60 months at 2.74% APR = $17.86; at 3.74% APR = $18.31. Restrictions may apply. Offer good through 6/30/19.



Auto Essentials for peace of mind on the road

Enroll in our new Auto Essentials emergency service and you’ll be protected with these great services:

  • Auto LoansRepair or replace damaged tires and wheels
  • 24-hour roadside assistance, including jump starts, tire changes, hose/fluid replacement, towing and more
  • Windshield repair
  • Key or remote replacement
  • Ding and dent removal

Auto Essentials protection is as low as $668 per year — or $740 for seven years! And because we want all members to feel safe on the road, Auto Essentials is available even on vehicles not financed with us!

Call our lending specialists at 800-328-8051, ext. 2407 or visit Auto Essentials for complete details. Restrictions may apply.



Cut credit card interest in a big way

Just transfer your balances from high-interest bank and store cards to our low-cost Visa Platinum Rewards and pay no balance transfer fee.

Compare your card to ours

As low as*
MCCCU Visa Platinum Rewards 9.00% APR
Bank of America Cash Rewards 16.24% APR
Chase Freedom 17.24% APR
PNC Cash Rewards Visa 15.24% APR
Wells Fargo Rewards card 18.74% APR

*Annual Percentage Rates gathered from financial institutions’ websites 2/26/19, are non-promotional rates,
and subject to change. MCCCU rate is as low as 9.00% APR based on creditworthiness.

A low rate plus rewards, too
Only MCCCU gives you the lowest rate with NO annual fee and ScoreCard rewards for every dollar you spend.

If you’re not carrying our card yet, apply today.


Our Rapid Cash loan is a much better alternative to payday loans

Need a little cash for just a little while? Our Rapid Cash loan is a much better alternative to payday lenders, who charge as much as 300% APR (Yes, that’s three hundred percent!).

  • Rapid CashBorrow up to $500
  • Just 18% APR*
  • No credit check required
  • No endless cycle of borrowing, paying, and reborrowing

Let Rapid Cash get you through those times when you’re just a little short. Apply today by call 800-328-8051, ext. 2407 or by visiting one of our four branch locations.

*Annual Percentage Rate effective 4/1/19 and subject to change. Applicant must be a MCCCU member for at least six months before applying and have an aggregate monthly direct deposit equal to or greater than the loan’s monthly payment. Minimum loan amount=$200; maximum loan amount=$500. A $50 processing fee must be available in your account or paid by funds other than the proceeds of the loan. Rapid Cash loan cannot be combined with another MCCCU loan. Offer may be revoked at any time without notice. Restriction may apply. Monthly payment for $500 borrowed for 6 months at 18% APR=$87.79.


President’s message

Congratulations to Robert Hojnacki, Samuel Belzer and Kimberly Regener on their re-election to our Board of Directors.

Congratulations also to Amy Piconke and Kenneth Zukowski who continue to serve on the Credit Committee.

Each of our volunteer officials brings valuable experience to the position. Some have technical expertise to guide development, while others are well-schooled in finance and help steer our investment policies. All are long-time members committed to keeping MCCCU safe, strong and providing financial value to members.

Thank you to all our outstanding volunteer officials for their service and for exemplifying the “people helping people” motto of credit unions. I’m inspired by their commitment to you, our member-owners.



The lowdown on our low down payment option

Mortgage Center

To learn more, call 800/ 353-4449 to speak with a mortgage expert or start your application online.If you’re looking for a low down payment mortgage, look no further than an FHA loan from our partner, Mortgage Center. FHA loans allow you to purchase your home with little down, at affordable rates, and with flexible requirements. This makes FHA loans a great option for first-time homebuyers or anyone with a unique situation.



Don’t get caught in a crowdfunding scam

Crowdfunding platforms like GoFundMe, Kickstarter and IndieGoGo are packed with eager entrepreneurs, people in need of help and unfortunately, scammers too.

Hundreds of thousands of dollars have been donated for fraudulent causes. Some scammers concoct heartbreaking stories about “sick” relatives who are in reality perfectly healthy. Others seek investors for inventions that are totally implausible and will never reach market.

Some crowdfunding platforms may refund your money in case of a scam, but most will keep a portion for themselves.
Before donating to any cause, do basic research to verify its legitimacy.

  • Google names to see what is on the internet about the organizers.
  • Look up related street addresses to confirm they’re real.
  • Check for the organizer’s previous crowdfunding campaigns.
  • If you’re hoping for a tax deduction, confirm the group’s tax status.
  • Ask yourself if the story is plausible when you look at it logically instead of emotionally.
  • Contact the campaign’s creator and ask for verification or details.

Everyone wants to support good causes, but no one wants scammers to divert funds from legitimate needs. So do your homework before joining a crowdfunding effort.

Something more to love

$100 in cash rewards on UNLIMITED linesLove My Credit Union rewardsGet $100 per line in cash rewards for every new line activated with Sprint — and, for a limited time, this offer is available on UNLIMITED lines. You’ll also receive $100 in loyalty cash rewards every year.

Sign up today to enjoy the benefits of Sprint’s best Credit Union Member Cash Rewards offer EVER!

  1. Add a line to your new or existing Sprint account and mention you’re a MCCCU member.Sprint Logo
  2. Register here.
  3. Cash rewards will be deposited into your MCCCU account in six to eight weeks.
    Already a Sprint customer?
    Register now to receive a $100 loyalty cash reward every year starting one year after registration.

Get Cash Rewards
Take advantage of this limited time offer today! Visit to learn more.



In the community

Follow us on Facebook to see where in the community we’ve been, what’s next, and how you can help.

In the next few months, we’ll be focusing on two organizations: Foster Closet of Michigan (April, May), which provides essential health and hygiene materials for children adjusting to a new home; and Operation Care Package Michigan (June, July), whose volunteer “Camo Angels” collect and send care packages and letters to our deployed troops.


Federally insured by NCUA Equal Housing Opportunity MCC-290