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Marathon County Employees Credit Union (MCECU) is a not-for-profit, member-owned credit union serving employees and their families in Wausau, Wisconsin with competitive loan rates, savings accounts, and financial counseling.
Data compiled from public sources
Marathon County Employees Credit Union (MCECU) is a federally-insured credit union headquartered in Wausau, Wisconsin, operating as a member-owned, not-for-profit financial institution. The credit union has established itself as a community-focused lender with physical branches, including a Lake View Branch with limited hours (Tuesdays and Thursdays, 11am-3pm), and a strong emphasis on member relationships. MCECU operates under the standard NCUA insurance framework and maintains an active online presence with mobile banking capabilities.
MCECU offers a comprehensive suite of financial products including multiple savings account types (regular savings, money market, Christmas club, HSA, CDs, funeral trusts, and tax accounts), checking accounts tailored to different demographics (regular, 55+, student, and small business), and various loan products. Their loan offerings include auto loans (new and used), recreational vehicle financing, mortgages, home equity loans, debt consolidation loans, lines of credit, and signature loans, with advertised rates as low as 3.74% APR. The credit union also provides credit cards, IRAs (Roth, SEP, and standard), and retirement planning services.
What distinguishes MCECU is their emphasis on member-centric services and financial counseling. They offer free notary services, remote deposit capture, 24-hour telephone teller service, automatic payments, direct deposit, online bill pay, and a "MARS" member audio response system. The credit union maintains a ATM network fee context through shared branching and has invested in mobile banking through their mcecu.mobi platform and downloadable smartphone apps. Their financial counselors are positioned as on-site resources offering tools and skills for financial improvement, differentiating them from purely transactional lenders.
MCECU appears well-suited for employees within their membership field and their families seeking rate claims to verify and personalized service. However, the limited branch hours (Lake View Branch operates only Tuesday-Thursday afternoons) may present accessibility challenges for some members. The credit union's membership base appears employer-specific, which may restrict accessibility for general consumers outside their membership criteria. Overall, MCECU represents a traditional, service-oriented credit union with solid product depth but geographic and membership limitations.
This is state-level context for Credit Unions consumers in Memphis, TN. It does not confirm that Memphis City Employees or this specific location is licensed.
State regulator
Tennessee Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Memphis City Employees processed 146 mortgage applications in 2023, with 72.6% recorded as approved across 5 states.
146
Applications
72.6%
Approval Rate
$124K
Avg Loan
5
States Served
Based on 146 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Memphis City Employees offers 12 services including Regular savings accounts, money market accounts, and certificates of deposit, Christmas club accounts, health savings accounts, and funeral trusts, Fee-free checking (regular, 55+, student, and small business variants), Individual retirement accounts (Roth, conversion Roth, SEP, and standard), Auto loans for new and used vehicles, and 7 more.
Memphis City Employees has profile signals associated with Marathon County employees and their families seeking personalized member service, Borrowers prioritizing competitive loan rates and financial counseling support, Members desiring comprehensive financial products (mortgages, auto loans, savings) from a single institution, Individuals valuing free services like notary, bill pay, and remote deposit capture.
Key strengths: Competitive loan rates starting at 3.74% APR for borrowers who meet provider criteria; Free notary services and remote deposit capture available to members; 24-hour telephone teller service for account access and transactions. Areas to consider: Limited physical branch hours (Lake View Branch only open Tuesdays-Thursdays, 11am-3pm); Membership appears restricted to specific employee groups, limiting accessibility for general consumers.
In the Credit Unions category, comparable providers include FedTrust Federal Credit Union, Kennedy VA Employees FCU, Life Credit Union powered by Fortera. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
MCECU is profile signals for existing employees within their membership field and their families who value rate claims to verify, comprehensive financial products, and personalized service in a traditional credit union environment. The main caveat is that membership appears restricted to specific employee groups, and limited branch hours (Tuesday-Thursday afternoons only at the Lake View location) may create accessibility challenges for working members and those seeking weekday or weekend services.
FedTrust Federal Credit Union is a member-owned financial cooperative offering savings accounts, loans, and banking services to individuals in the Memphis area.
Google rating from 1 review
Profile signals: Memphis-area residents or employees with payroll deduction eligibility seeking personalized service and member-owner benefits, Individuals seeking traditional mortgage, auto, or motorcycle financing with rate claims to verify and personal service
Kennedy VA Employees FCU is a federal credit union serving employees of the Memphis Kennedy Veterans Administration Medical Center and their immediate family members, offering checking, savings, loans, and credit cards.
Google rating from 12 reviews
Profile signals: Current employees of Memphis Kennedy Veterans Administration Medical Center, Family members (parents, children, siblings) of VA Medical Center employees seeking member access
Life Credit Union, now part of Fortera, is a federally insured credit union offering checking, savings, loans, and credit cards across Tennessee and Kentucky with multiple branch locations.
Google rating from 67 reviews
Profile signals: Tennessee and Kentucky residents seeking local branch banking with digital convenience options, Military members and families with access to the Fort Campbell branch location
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