Banking

Checking

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 American Express Standard Travelers Cheques
  • Free online Bill Pay, Internet Banking

Checks are not returned with monthly statement.

Submit your online application by clicking on one of the choices below. 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.

Submit your online application by clicking on one of the choices below. 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 for no charge

 

Savings

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 $5.00
  • Balance above $50.00 may provide automatic Overdraft Protection for checking account

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

Youth Fun/ Educational Links


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

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 Charge
  • Dividends will be credited to your account at maturity holiday

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.

 

Overdraft Protection

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.

  • Minimum – Maximum $100 – $500.00
  • Annual Fee None
  • Overdraft Transfer Fee $5.00
  • Overdraft Protection from Savings

Request this option and funds will be transferred automatically from your Share Savings Account.

  • Annual Fee None
  • Overdraft Transfer Fee $5.00

 

IRAs

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 interest 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

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.

 

Online Banking & Bill Pay

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!

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
  • Pay any Credit Union loan

All transactions are conducted within a secure environment.

Direct Deposit & Check Reorder

Direct Deposit & Check Reorder

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!

Easy Breezy Direct Deposit at Mohave Community Federal Credit Union!