Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Muscatine
At Members Community Credit Union, we are dedicated to providing affordable financial services to Muscatine and surrounding communities. Since our formation in 1957, we have prioritized member needs over profit, offering competitive loan rates, low fees, and personalized service. Our locally-decisioned lending hub provides mortgages, auto loans, and personal banking solutions tailored to individual financial goals. We emphasize security through advanced fraud protection and maintain federal insurance for member accounts. As a not-for-profit institution, we reinvest earnings into better rates, higher savings returns, and community initiatives.Our digital platforms enable 24/7 account management while maintaining two physical branches for in-person service. We actively support local schools and nonprofits through sponsorships and volunteer work, reflecting our commitment to community development. Our team of certified loan officers brings decades of combined experience in guiding members through financial decisions. We differentiate ourselves through transparent fee structures, financial education resources, and a culture of exceptional member service that has retained members for generations.
Services
Mortgage Loans
Auto Loans
Personal Banking
Online Banking
Financial Education
Details
- Year established: 1957
Highlights and features
- We offer locally-decisioned lending with competitive low-interest rates
- Our not-for-profit structure returns earnings directly to members
- We provide 24/7 digital banking with in-person branch support
- Our team includes certified loan officers with decades of local experience
- We maintain transparent fee structures with no hidden costs
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Pleasant faces
Great service
Friendly people
Help quickly
Smooth setup
Services
Mortgage Loans
Our mortgage lending services provide competitive fixed-rate and balloon mortgage options for home purchases, refinancing, and construction. With locally-decisioned applications and flexible terms ranging from 7 to 30 years, we offer specialized programs for first-time buyers including downpayment assistance guidance. Our certified mortgage loan managers help members navigate the process from pre-approval to closing.
Auto Loans
We offer new and used vehicle financing with competitive APRs starting at 5.50% for qualified borrowers. Our auto loan specialists provide pre-approval services and flexible terms up to 84 months. As a local credit union, we understand regional transportation needs and work with members to find affordable payment solutions that fit their budget while maintaining vehicle ownership flexibility.
Online Banking
Our eBranch platform enables 24/7 account management through web and mobile applications. Features include real-time balance checks, fund transfers, bill payment, remote check deposit, and account alerts. The mobile app includes biometric security options and instant debit card controls. Enrollment requires basic member verification and takes just minutes to complete through our secure online portal.
Financial Education
We provide free financial literacy resources to help members achieve long-term financial success. Our educational materials cover budgeting, credit management, home buying preparation, and retirement planning. Members receive personalized guidance during branch visits or through scheduled financial counseling sessions. Our community workshops focus on practical money management skills tailored to local economic conditions.
Community Outreach
As a member-owned institution, we reinvest in community development through targeted outreach programs. Our initiatives include school supply donations, scholarship programs, and sponsorships of local sports teams and cultural events. We prioritize partnerships with Muscatine-based nonprofits and participate in annual community improvement projects that directly benefit our membership base.
People
Morgan Kent
Consumer Loan Manager
With nearly a decade of experience at MCCU, Morgan transitioned from member service to loan management, building expertise in consumer lending. She specializes in helping members navigate loan options while maintaining a loyal client base through personalized service.
Mario Madrigal
Loan Officer
Starting as a service representative, Mario gained diverse experience before becoming a loan officer. He focuses on making lending accessible while balancing family life with his wife and daughter, bringing practical financial insights to members.
Melissa Cabrera
Loan Officer
With 15+ years in financial services, Melissa specializes in guiding members through complex lending decisions. Her experience spans personal to mortgage loans, combining professional expertise with plans for future agricultural ventures.
Jen Littleton
Mortgage Loan Manager
Bringing extensive home buying expertise, Jen leads mortgage services at MCCU. She combines technical knowledge with approachable service, maintaining industry connections while enjoying regional culinary adventures.
Samantha Eaton
Vice President
With over 15 years at MCCU, Samantha progressed from member service to leadership. She oversees lending operations with deep institutional knowledge, balancing executive responsibilities with family commitments to local youth sports.
Questions
How do I become a member?
Open a $5 savings account to establish membership eligibility.
What loan types do you offer?
We provide mortgages, auto loans, home equity loans, and personal loans.
Is my money insured?
Yes, accounts are federally insured up to $250,000 by NCUA.
Do you offer online banking?
Yes, our eBranch platform provides 24/7 account access and bill payment.
What community initiatives do you support?
We sponsor local schools, nonprofits, and community events through donations and volunteer work.
