Michigan Federal Credit Union

How do I join the Michigan Federal Credit Union?

First, you need to find out if you are able to join the First Community Credit Union. You are eligible for membership if you are:

• A resident of Clio, Vassar, Montrose, Millington, Mt. Morris, Flushing and the surrounding areas
• Working with the areas mentioned above
• A federal employee or federal retired employee
• Related to a MFCU member.

You are also eligible for membership if you:

• Live or work in the portion of Genesee County, Michigan, bounded on the west by Sheridan Avenue (Route 13), on the north by Willard Road, and on the east and south by a line running along Washburn Road, from Willard Road, south to Coldwater Road, west to Linden Road, south to Corunna Road, and west to Sheridan Avenue, or in Arbela, Millington, Watertown, Vassar, or Freedmont Township, in Tuscola County, Michigan
• Are an employee of the United States Government agencies and instrumentalities located in the following counties in Michigan, (excluding U.S. Government employees included in the field of membership of Saginaw Postal Federal Credit Union and Saginaw V.A. Hospital Federal Credit Union):

• Mail contractors and employees engaged in transportation of mail for the United States Post offices located in the above stated counties.

Learn more about eligibility requirements.

Visit a Michigan Federal Credit Union branch to open an account:

1314 East Coldwater Road
Flint, MI 48505-1797
Phone: (810) 785-3451

300 Smith Street
Clio, Michigan 48420-1304
Phone: (810) 686-5756

659 State Road
Vassar, Michigan 48768-9209
Phone: (989) 823-8433

Lobby hours: Monday-Thursday: 9:15 am-5 pm; Friday, 9:15 am-6 pm

First Community Credit Union’s basic services:

Savings account: $100 minimum balance required.

Michigan Federal Credit Union’s Savings Accounts (Called Regular Share Accounts) Feature:

• 3 to 60 month share certificate terms
• $500 minimum IRA accounts
• Dividend earning share/savings accounts
• Money management accounts
• Christmas and vacation club accounts
• Financial Planning Options

Checking account, (called a Share Draft Program):

• Write unlimited checks
• No minimum balance
• No monthly service charge
• Retirees with direct deposit will receive one free box of checks per year

Credit Cards

• VISA Classic 13.9% APR
• VISA Gold 12.9% APR
• No annual fee
• 25 day grace period for purchases
• No cash advance fees
• Consolidate your bills and save money
• Convenience Checks

Online banking
You can check your account balance and banking activities online for free.

To do this, you need to be a customer at Michigan Federal Credit Union, and you need to set up an online account. Set up an online account now.

Learn more about Michigan Federal Credit Union and its services.