Credit Union Membership: Great Rates. Low Fees. Fantastic Service.

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Nearly 30,000 surcharge-free ATMs from coast to coast.

The CO-OP logo on the back of your debit or credit card means you can use any ATM where you see the CO-OP logo. That includes places where you may shop, such as 7-Eleven® and Costco®. You can also make deposits at nearly 9,000 CO-OP ATM locations. Whether you’re across town, or away from home for business or pleasure, finding the closest surcharge-free ATM is easy, using your phone, mobile app, text messaging or Internet access. Just visit or call 1-888-SITE-CO-OP.

Want to earn money while you learn about money?

Madison County Federal Credit Union is working with Zogo, an app that gives you real-life rewards for completing bite-sized lessons in personal finance topics. Not everyone has access yet — download the app at

Change in cash-back rewards limit for MCFCU VISA

Members with MCFCU’s Cash  Back VISA earn 2% Cash back on credit card purchases.

EFFECTIVE 1/1/21: Maximum payout on cash back rewards will be $100/month.


Make Extra Savings Part of Your 2021 Resolution!

You can set up your ACH direct deposit to have part of it go into a savings account, for any planned or unplanned expenses that might come up in 2021.  To configure this, log into online banking, click on ‘My Accounts’, and then select ‘ACH Transactions’.  Next, click the name of the company and then click on ‘Create New Distribution’.  (If you do not see this button displayed, please contact us at the credit union for assistance.)  Finally, enter the amount you would like to begin saving.  Then select the account, a start and end date, and click ‘Create’ to complete the process.


Access Your Money, No Matter Where You Are

With Mobile Web Banking, you can check your funds anytime, anywhere, via smartphone or other mobile device.  To learn more, log into online banking and click ‘Go Mobile!’