Benefits & Advantages

We're not a bank, and that's a good thing

At MECU, you're not just an account number, you're one of us

You won't find any shareholders here, just a local community of hard-working people helping each other move forward. Unlike traditional banks, we are 100% not-for-profit and owned by our members.

We're everywhere you are

Stop in our local Baltimore-area branches or 5,600 shared branches nationwide. Need cash? We provide free access to over 30,000 ATMs. Plus, our Mobile Banking app keeps you connected.

MECU puts money in your pocket

We return our profits to our members through better rates on loans and savings and lower fees. With our rewarding member perks, you'll see why it pays to be a MECU member.

We are invested in you

MECU can help you make better financial decisions every step of the way. With our exclusive levelUP program, every member receives free financial education, helpful resources, and one-on-one coaching.

We work for all

Our door is open to you, no matter how small your need or how big your dream. We treat everyone with respect and fairness because those are our founding principles.

We're local like you

MECU was established in 1936, right here in Baltimore. Our hometown pride runs deep, with local sponsorships, community involvement, and the work of our MECU Foundation.

Get access to exclusive rewards, experiences, discounts and other valuable credit union membership benefits.

At MECU Credit Union, our members always come first. We work hard to put more money in your pocket and make Baltimore a better place for all. Our membership includes special perks designed to make your life in and around Baltimore, Maryland more rewarding.

Auto and Home Discounts

Save big on your first home purchase with a 0.25% mortgage rate discount*
Enjoy preferred member pricing on Guaranteed Asset Protection Plus (GAP Plus) and Extended Warranty Protection for your vehicle
Get exclusive savings on auto, home, and health insurance

Financial Coaching and Education

Access complimentary one-on-one credit and debt counseling with certified financial counselors
Enroll in free debt management plans to pay off credit card debt faster, and save money on interest charges
Empower yourself with our levelUP Financial Wellness program

Frequently Asked Questions

View All FAQs

Who is eligible for membership?

Our community is wide open.

If you live or work in the Baltimore area, you’re pretty much in.

Anyone who lives, works, worships or attends school in Baltimore City. We have relationships with more than 300 local companies that offer MECU membership regardless of your location. If a family member belongs or is eligible, you can also become a member. An eligible family member includes a spouse, child, sibling, parent, grandparent, grandchild, aunt/uncle, niece/nephew, cousin or legal guardian, including roommates or housemates.

What are the benefits of joining MECU?

Auto and Home Discounts, Financial Coaching and Education.

RewardChecking

Earn More with Everyday Checking

Make the most of your daily spending while earning rewards on your everyday purchases.

Start Earning