Share (Savings) Accounts:
This is the primary share (savings) account for all members.  There is a $25.00 minimum balance required to remain active.  Dividends are based on the average daily balance in your Share account and are paid quarterly.  Check our rate sheet for current rates.

Money Market Accounts
This is a share account that must maintain a minimum balance of $5000.00 in order to earn dividends. Dividends are based on the average daily balance and are paid monthly. Withdrawals are limited to three per month. Check our rate sheet for current rates.

Holiday Club Accounts
This account is a great way to save for the holidays. Dividends are compounded and paid monthly. In November of each year funds are transferred to your account so you can get a jump on your shopping. Check our rate sheet for current rates.

Share Certificates:
We offer share certificates to our members at competitive rates with a minimal starting deposit amount.  Terms range from 6 months to 12 months. Check our rate sheet for current rates. 

Draft (Checking) Accounts:
We offer “FREE” checking accounts with no minimum balance required, no monthly fees and an overdraft protection linked to your Shares account.  Members can order one free box of checks per quarter. 

Loans:
MRFCU offers a variety of loans, with competitive rates of interest, developed to meet the financial needs of our members. 

VISA Check Cards:
Our VISA Check Card allows members to make purchases from their Draft account without writing out a check.  Use the card where the STAR, PLUS, or VISA logo are displayed.  Retail purchases may be debit (pin) or signed transactions.  The VISA Check Card can also be used to withdraw funds, at an ATM machine, from either your Share or Draft account.

Home Banking:
Access and manage your accounts online. Check for deposits and/or withdrawals, do transfers or make loan payments.  You can also do loan advances on your Line of Credit. 

Online Bill Pay:
The Credit Union is now offering online Bill Pay for free. If you currently have a checking account or would like to open a checking account, you are eligible to sign up for free online Bill Pay. This product allows you to pay your bills, online, without having to write a check.

E-Statements:
Sign up for E- Statements and help reduce your risk of identity theft. Access your statement securely through your Home Banking account with no additional passwords. Click here to fill out an e-statement application.

Gap Insurance:
The Credit Union is offering a great product called Gap Insurance. If you are purchasing a new vehicle and it ever becomes “totaled” in an accident or is stolen and not recovered, Gap Insurance pays the difference between the Actual Cash Value of your vehicle, determined by your primary insurance company, and the unpaid loan balance.

Other Credit Union Services:

                                    Direct Deposit                        Payroll Deduction
                                    Automatic Payments              Overdraft Protection
                                    Wire Transfers                       Notary Public Services
                                    Gap Insurance                       Skip-A-Payment