Banking

55 Plus Checking

55 years of age or older.

Minimum opening balance – $100.00.

Monthly service charge – $6.00, waived with average daily balance of $500.00.

Free 55 plus checks (standard) –  one box per year.

Free online bill pay, internet banking.

Checks are not returned with monthly statement.

Mohave Community Federal Credit Union’s routing number: 322172221

Submit your online application by clicking on the applications tab on the left side of this page.
Once submitted a Mohave Community Federal Credit Union Representative will contact you.

Basic Share Draft

Minimum Opening Balance – $100.00.

Monthly service charge – $6.00, waived with average daily balance of $500.00.

Free online bill pay, internet banking.

Checks are not returned with monthly statements.

Mohave Community Federal Credit Union’s routing number: 322172221

Submit your online application by clicking on the applications tab on the left side of this page.
Once submitted a Mohave Community Federal Credit Union Representative will contact you.

Business Share Draft

Minimum opening balance – $100.00.

Monthly service charge – *$16.00, monthly service fee of $16.00 waived when $1,000 daily balance is maintained.

Unlimited check writing.

Checks are not returned with monthly statements, available via Internet through your online banking at no charge.

Mohave Community Federal Credit Union’s routing number: 322172221

Submit your online application by clicking on the applications tab on the left side of this page.
Once submitted a Mohave Community Federal Credit Union Representative will contact you.

Mohave Community Federal Credit Union Visa Debit Card

ATTENTION:

Beginning October 2017, Visa will automatically implement a program called VISA ACCOUNT UPDATER (VAU). This program will insure that merchants who process your monthly recurring charges will have up to date card information. If you lose your card or the expiration date changes, Visa will update current card information to merchants that participate in VAU, so there is no interruption of service.
You will automatically be enrolled in this program; however , if you wish to opt-out of the VAU service, please complete this Opt Out Form and return it to the credit union.

FAX:
928-753-3422
928-753-1441
Mail:
Mohave Community Federal Credit Union
2809 Stockton Hill Road
Kingman, AZ  86401
Email:
mcfcreditunion@citlink.net

Visa Purchase Alerts

Know where your money is going.

Get a text or email whenever you pay with your Visa Card.

Keep your account secure.

Get alerts for transactions in real-time and immediately identify potentially fraudulent activity.

Take an active role.

Track spending and stay on top of account balances.

Choose your alerts.

Adjust your alerts to what makes sense for you and receive them via SMS text or email.

SIGN UP TODAY!

Share Savings Account

Mohave Community Federal Credit Union offers several options for earning a good return on your savings. Our rates are always competitive. Call or stop by today for current rates. Every member of MCFCU has a Regular Share (Savings)Account. It represents your “share” of ownership in the credit union, and it requires that a minimum balance of $50.00 be maintained at all times to keep your membership open. Dividends are calculated daily and paid quarterly.

One time membership fee of $5.00.

Balance above $50.00 may provide automatic overdraft protection for checking account.

Mohave Community Federal Credit Union’s routing number: 322172221.

Submit your online application by clicking on the applications tab on the left side of this page.
Once submitted a Mohave Community Federal Credit Union Representative will contact you.

Mohave Youth Account

Minimum opening balance – $5.00.

Must be between the age of 1 to 18 years old.

Requires adult joint ownership.

If you exceed six withdrawals per calendar month you will be charged $6.00 per withdrawal.

Mohave Community Federal Credit Union’s routing number: 322172221.

Submit your online application by clicking on the applications tab on the left side of this page.
Once submitted a Mohave Community Federal Credit Union Representative will contact you.

Vacation Club Account

Start Saving TODAY for your much needed vacation, tomorrow!

No monthly service charge.

No minimum balance required.

Dividends will be credited to your account every quarter.

If you exceed six withdrawals per calendar month you will be charged $6.00 per withdrawal.

Mohave Community Federal Credit Union’s routing number: 322172221.

Submit your online application by clicking on the applications tab on the left side of this page.
Once submitted a Mohave Community Federal Credit Union Representative will contact you.

Holiday Club Account

The holidays are fast approaching! Start saving TODAY!

No minimum balance requirements to apply.

Withdrawals before November 1st will be assessed a $25.00 early withdrawal fee.

Save for the holidays.

No monthly service charges.

Dividends will be credited to your account at maturity holiday.

Mohave Community Federal Credit Union’s routing number: 322172221.

Submit your online application by clicking on the applications tab on the left side of this page.
Once submitted a Mohave Community Federal Credit Union Representative will contact you.

Money Market Saver

Minimum opening balance $1,000.00.

Monthly service charge (based on daily balance below $1,000.00) $12.00.

There can be no more than three checks per statement cycle. Each check in excess of three will incur a fee. *** $10.00

This account offers a dividend bearing checking account to individuals or businesses.

***If these restrictions are not complied with, the credit union can
reclassify the account to a regular checking account without notice to the member.

Mohave Community Federal Credit Union’s routing number: 322172221.

Submit your online application by clicking on the applications tab on the left side of this page.  Once submitted a Mohave Community Federal Credit Union Representative will contact you.

Overdraft Protection Line-of-Credit

Protect yourself from overdrawing your Mohave Federal Credit Union Checking account with an Overdraft Protection Line-of-Credit. Funds are transferred to your checking account in $50.00 increments to cover overdrafts. There is no annual fee. 17% Annual Percentage Rate Fixed. Apply today by contacting MCFCU at 928-753-8000 for more information.

Minimum – Maximum $100.00 – $500.00.

Annual fee – none.

17% Annual Percentage Rate (APR) fixed.

Overdraft transfer fee of $5.00 per transfer.

Monthly payments vary from $40 to 3% of balance owed.

There is no fee to make a payment unless paying by debit card from another financial institution. The fee to make this type of payment is 3.5% of the payment being made.

A fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Please see fee schedule.

Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

First payment is due 30 days after first use of overdraft line of credit and every 30 days thereafter until paid in full.

Overdraft Protection from Savings

Request this option and funds will be transferred automatically from your Share Savings Account. Funds are transferred to your checking account in increments of $50.00.

Annual fee – none

Overdraft Transfer Fee of $5.00 per transfer.

Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

IRAs

Money Just Doesn’t Grow On Trees…..

Whether it’s for your child’s education or your retirement, an IRA is a great way to plan for the future. Mohave Community Federal Credit Union offers you a number of IRAs to choose from, including traditional, Roth, or educational. Consult with your tax advisor about which type of IRA is right for you.

Term Certificates

Make your money work harder for you with a term certificate from Mohave Community Federal Credit Union. It’s a secure way to invest and yields more dividends than a regular savings or money market account. We offer tiered rates for an even higher return on your money. Terms range from 6 months to 5 years. Choose the term that best fits your needs. When the term ends, you can choose to reinvest it to earn even more!

Minimum deposit $500.00.

Dividends calculated daily paid quarterly.

Competitive rates and terms.

Compounded (paid into Term Certificate).

Transferred to savings/checking.

Paid by check.

Online Banking & Bill Pay

If you would like to enroll in Virtual Branch Online Banking, please contact a friendly Member Service Representative at 928-753-8000 today or submit the enrollment application below.

Get ONLINE… not in line. Do your banking online 24/7 and manage your Mohave Community Federal Credit Union accounts from the comfort of your home, office, or anywhere in-between. Enroll today by clicking HERE.  Already have online banking with Mohave Community Federal Credit Union and need to log in? Click HERE.

With Online Banking from Mohave Community Federal CU, you can:

Pay your bills online.

Transfer money between accounts, or to another Mohave Community Federal CU member.

View/print your account history and cleared checks online.

Track your account activity and balances.

Re-order checks.

Request a stop payment on a check.

Update your address or correct any member information.

Pay any credit union loan.

All transactions are conducted within a secure environment.

Direct Deposit

Don’t spend your lunch waiting in line!

Sign up for direct deposit and your paycheck, Social Security, or pension check will automatically be credited to your credit union account every pay day.

Direct Deposit is the electronic transfer of payment from a company or organization into your MCFCU checking or savings account. Direct Deposit is a smart way to get paid, and is ideal for more than just payroll, such as expense reimbursements, tax refunds, and pensions. Direct deposit is safe, confidential, convenient and fast!

Benefits of direct deposit?

Saves time! No more waiting in line!

Money is readily available.

No worry of lost or stolen checks.

Pay is always deposited… even if you’re sick or out of town!

Loan payments are automatic.

Receive your tax refund sooner.

It’s so easy to switch any recurring deposit. All you need is Mohave Community Federal Credit Union’s routing number: 322172221 and your entire 10 digit checking account number. Your 10-digit checking account number can be found at the bottom of your checks.

Don’t have checks for your account?? No worries! Contact Mohave Community Federal Credit Union at 928-753-8000 and ask about your 10-digit account number prior to completing the Direct Deposit Form!

Check Reorder

Check ordering made easy! Need to reorder your MCFCU checks? Order now online!
Or, you can contact Mohave Community Federal Credit Union at 928-753-8000 to reorder as well!
Please have your entire 10 digit account number (located at the bottom of your checks) and the check number that you would like to start off with ready before ordering.
55 years of age and older receive one box of free checks per calendar year!