Enrollment Eligibility


We invite you to become a member/owner of Members Credit Union (MCU) and enjoy the benefits of Realtime Banking along with great rates and excellent personal service. 

MCU was founded in 1954 as Santa Fe Railroad Credit Union.  MCU is owned by its members and it is a not-for profit financial cooperative, which means our members earn more on deposits and pay less for loans.  MCU is now a community based credit union which means we can serve individuals and businesses that are in Hood or Johnson County, and zip codes 76028 & 76036.  You or your business is also eligible to join if you have an immediate family member that lives or works in the same geographic area.

Realtime Banking is what separates MCU from the rest. You have access to your accounts online or by phone 24/7. Your transactions are in realtime; no batch processing around our shop! You get immediate loan decisions online whether it's a car loan or a mortgage loan.  So, we're glad you have decided to move into "realtime"!

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