What's New

News and Announcements

Debt Protection

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against death, disability, or involuntary unemployment could help protect your fnances.

This protection could cancel your loan balance or payments up to the contract maximums. Protect your loan payments today so you can worry a little less about tomorrow.

Purchasing protection is voluntary and won’t affect your loan approval. It’s simple to apply.


Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply.
*Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid. DP-2041068.1-0218-0320 ©2018 CUNA Mutual Group, All Rights Reserved.

Coronavirus (COVID-19) Updates

 We’re Here for You : Coronavirus (COVID-19) Updates

At Members United Credit Union, our employees’, members’, and communities’ well-being are important to us. We’re monitoring the latest news about the Coronavirus (COVID-19) and are taking steps to ensure the availability of our services to members. As part of our business continuity plan, we have a formal pandemic plan in place to help ensure we can provide ongoing critical service levels to our members. You can depend on us during times like this, especially if you need our help.

 Health & Safety

Here are some proactive steps MUCU is taking to keep employees and members safe:

**In an effort to protect the health and safety of our members, communities, and employees, we are closing our lobbies and servicing our members through drive-thru locations only, beginning March 18th until further notice.**

  • We’ve ensured that our branches, including ATM screens and keypads, are routinely cleaned with disinfectants.
  • All branch lobbies have been supplied with hand sanitizer, Lysol, and disinfectant wipes for employee and member use. 
  • Employees have been provided with up-to-date information on how to stay healthy and how to avoid illness through proper hygiene practices.
  • Employees are instructed to stay home when they are not feeling well. We have assembled a pandemic team to frequently meet to review, monitor, and adjust operations as the situation changes to ensure the continuation of critical business functions.
  • For security reasons, we ask that members please refrain from wearing medical masks or anything that covers your face inside the branch.  All of our branches are equipped with full-service drive-thrus, which are available to all members wishing to wear such protective gear.
  • We also ask for the safety of our members and employees, that if you are experiencing cough, fever, or shortness of breath to please refrain from visiting our branches at this time. 
  • For the most up-to-date information about the virus, including best practices for preventing illness, please visit the Center for Disease Control’s resource center.

Convenient & Safe Remote Access

At this time, Westover and Columbus lobbies are open, but our Johnson Rd and Leesburg branches are drive-thru only.  All locations remain open during normal business hours.  We also have our safe & convenient remote banking options listed below: 

  • Online Banking: With 24/7 FREE online banking, you can view your account balances, transfer funds, make loan payments, pay bills online, and more utilizing your laptop, desktop, or tablet!

§  Enroll in Online Banking


  • Mobile: Have FREE 24/7 access to your account so you can check balances, pay bills, deposit checks, and more right from your mobile device! Click on the appropriate device link below to download our mobile app today!

    Playstore App Store


  • Teller 24 (Telephone banking): Convenient telephone banking gives you access to your account and is an easy way to perform transactions over the phone 24/7. Call 888.212.1191 to access FREE MUCU telephone banking.
  • ATM: Need cash on the go? Visit one of our MUCU ATMs or utilize ATMs across the nation that includes the Cirrus, Credit Union 24 or Star network.
  • Bill Pay: Pay all of your bills online with no additional cost! Save time and money for stamps, envelopes, and avoid late fees. Enroll in bill pay through online banking.
  • Online Loan Applications: In the market for a new vehicle or just need some extra cash?  No need to come into a branch!  Click HERE to apply online today!

*Please make sure your mobile phone number, email address, and mobile banking alerts are up-to-date for all of your accounts.*


The outbreak of COVID-19 and the threats are changing rapidly. We will continue to monitor the effects of the virus and communicate with you through our normal communication channels or publish information prominently on our website and social media platforms, as needed.  As conditions evolve, know that we are committed to serving our members.  Thank you for being a valued member of MUCU!


NCUA now has insurance experts available to answer questions about the coverage provided by NCUA share insurance. Call toll free Monday through Friday, 8:00am to 6:30pm, at 1-800-755-1030, ext 1. Members can also get useful information online using the NCUA electronic tool kit.


We offer mortgage loans through Credit Union Financial Services (CUFS), a company organized to serve credit union members' mortgages.

  • Fast and versatile service - one page application.
  • Lower closing costs - fixed according to loan amount.
  • Very competitive rates - fixed and adjustable rate mortgages available.
  • Purchase, refinance, & 1st time buyer programs.

To apply or be pre-qualified see one of our loan officers or for 24/7 service, go to the CUFS website link below.


Do you make purchases online using your credit union Debit Card? Make sure your Debit Card information is safe. We have added Verified by Visa to our arsenal of protection for our members. If you plan to use your Debit Card online, you must register with Verified by Visa.


Beginning January 1, 2012, we will no longer be sending out Overdraft Notices by U.S. Mail to all members when an account is overdrawn. We are instead offering our members the option to receive Overdraft Notices by email.


Are you signed up for Teller24, our 24 hour telephone banking system. By calling 229-439-1191 or 1-888-212-1191 and entering your account number and a 4 digit PIN, you can check balances and cleared transactions, transfer funds and even order checks. Call us today for more information or to sign up.


All funds in a noninterest-bearing transaction account are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

The term noninterest-bearing transaction account includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (NOW) account, money-market deposit account, and Interest on Lawyers Trust Account (IOLTA), even if shares drafts may be drawn on the account.

For more information visit www.ncua.gov.


Our Funds Availability Policy explains when funds from deposits to certain accounts you have with us will be available for withdrawal. This Notice describes a change to that policy statement. This change was effective July 21, 2011. If you have any questions about this change, please contact us.

Our previous policy disclosure described certain circumstances when the first $100 of a deposit would be available on the first business day after the day of deposit. The remaining funds from the deposit would be available at a later date. After the effective date of the change, the amount that will be available on the first business day after the day of deposit increased from $100 to $200. For the complete policy click on the link below.

Beware of smishing scams!

Several Georgia credit unions have reported their members are receiving text messages from phone number: 678-230-6958. See below for a sample of that text: # GEORGIA CREDIT UNION ALERT: your card #479144 has been temporarily deactivated> Please call our 24hr office (678) 230-6958. Do not respond to this or any similar text message or email. We will never contact you ...by text or email and ask for account information. This is a smishing scam. Smishing is a form of criminal activity using social engineering techniques similar to phishing. The name is derived from "SMs phISHING". SMS (Short Message Service) is the technology used for text messages on cell phones. Similar to phishing, smishing uses cell phone text messages to deliver the "bait" to get you to divulge your personal information. The "hook" (the method used to actually "capture" your information) in the text message may be a web site URL, however it has become more common to see a phone number that connects to automated voice response system.