1202 North Main Street Austin, MN 55912               Phone: (507) 437-6360                  Email: mcecu@mowercountyecu.org

Mower County Employees Credit Union

Products and Services

We offer a full range of financial products and services to meet your everyday needs. 

Everything from checking to share savings, loans, electronic services and much more!

Share Savings Accounts:

  • Minimum opening deposit required of $5.00 - this is your share of ownership in the credit union.
  • NO monthly maintenance fees
  • Tiered dividend rates based on balance 
  • Dividend is credited quarterly
  • We also offer sub-share savings accounts to help you save for a special purpose

Christmas Club Share Savings Accounts:

This account allows you to set aside spending money for the holidays for family, friends, holiday shopping or new holiday decorations.....You'll be glad you gave yourself this early gift! 

  • Make the holidays financially easier and deck the halls stress free
  • Earn a competitive dividend as you save a little all year long
  • Can be opened with as little as $10.00 and no minimum balance requirement thereafter
  • Your balance is transferred on November 1st each year to your primary share savings account
  • There are no account fees unless funds are accessed prior to the scheduled payout

Share Draft (Checking) Accounts:

  • Dividend bearing account
  • No minimum balance requirement
  • No monthly maintenance fee
  • Bill Pay
  • Convenient access with a VISA CheckCard
  • Access to Automated Teller Machines (ATMs) including surcharge-FREE ATMs
  • Overdraft Protection Program
  • Direct Deposit
  • Electronic ACH
  • Variety of draft (check) styles

Golden Checking Club:

Members age 55 or better reap more perks with our Golden Club including:

  • Free Logo Checks
  • Bonus Deposit Rates
  • Competitive Dividends
  • Free MCECU issued "teller" checks
  • No minimum balances or monthly maintenance fees
  • Unlimited check writing
  • No fee printed or eStatements
  • All the great benefits of our Standard Checking account
  • So much more.............

Inquire with a Member Service Representative for additional Golden Club details.

Share Certificate of Deposit Accounts:

  • Competitive rates for 6, 12, 24, 36 or 48 month terms.

  • Minimum opening deposit of $500.00

  • Start earning more on your savings by opening a Share Certificate today!

  • Interest/Dividend is credited quarterly (Excluding 6-month terms: credited at maturity)

  • Share term accounts (Share Certificates of Deposit): Penalties are incurred for early withdrawals  

County Kids Club:

  • We encourage our youngest members to save with our youth account program County Kids Club!
  • Minimum opening deposit required of $5.00 - this is also their share of ownership in the credit union!!
  • Youth ages newborn to 17 are eligible to become members of the Club by opening a standard Share Savings Account (normal account terms apply)
  • Each time the Club Member makes a deposit of $5 or more and presents their Club Card, we validate their Card for that deposit. 
  • Bring in your piggy bank coin - We'll count it for FREE!
  • Once the Club Member makes 10 separate deposits of $5 or more, they receive a free piggy bank as their first reward!  As savers fill up additional Cards, we will offer more rewards including:  Gift Cards, Toys, Games and so much more!

VISA CheckCards:

  • EMV Chip Security
  • SHAZAM Debit Rewards Program
  • Worldwide Access:  Contact us prior to your international travel to place a travel alert on your card.
  • ATM access - Locate an ATM near you by clicking here
  • LOST OR STOLEN CARD:  To report a lost or stolen card please call the credit union during normal business hours at (507) 437-6360.  If you are calling after normal business hours please call Shazam directly at 1-800-383-8000 as soon as you realize the loss.
  • Fraud Monitoring & Prevention:  We're monitoring your card transactions 24-hours a day to keep your card safe and secure.  If a transaction appears suspicious we may temporarily block your card and immediately contact you via text message (mobile numbers) or via a phone call to notify you of this transaction.  The hotline phone number for returning our inquiry after hours is 1-855-219-5399.  To clarify a monitoring alert during normal business hours please contact us directly at (507) 437-6360.  These alerts will also appear on your BOLT$ mobile app if you have enrolled in this free service!   

BOLT$ Mobile App & Online:

  • Fraud Protection with Shazam BOLT$ Mobile App or visit the Shazam Bolt$ Web Portal by clicking here
  • View balance information related to your linked accounts
  • Receive a variety of custom alerts informing you of transactions
  • Temporarily block your card or simply turn your card on and off for added security
  • Download the mobile App or use the online login
  • Text and e-mail security alerts
  • FREE service offered to all cardholders 

Verified by VISA Online Card Protection:                                                  

When you use your CheckCard to shop online your card will be authenticated behind the scenes to PROTECT you from fraudulent transactions.  Your card is equipped with Verified by Visa -- a FREE service offered to members to protect cardholders when making online purchases with their debit cards.  Once you activate your card, Verified by Visa automatically protects you at every participating online store.

Online Home Banking & Mobile Friendly Banking:

  •  View your accounts online anytime
  • Transfer funds between your accounts
  • Apply for loans with our secure online loan application
  • Set up account alerts
  • Send secure messages directly to the credit union
  • To log in - visit our home page or click here to be directed to the log in page.
  • Mobile friendly-website!  You can easily bookmark our webpage and Home Banking link on your smartphone or similar device!  

Bill Pay:

  • Offering YOU the ability to receive, view, manage and pay all bills, electronic or not!
  • Simple and easy-to-use program built right into your existing Online Home Banking
  • Enhanced features including:  eBills, P2P payments, expedited same-day payments, customizable payment rules and member alerts!
  • Pay Anyone feature allows you to choose single, recurring and future-dated payments
  • How do I enroll?  Log in to Home Banking and click Pay Bills.  Submit the enrollment form and you'll be paying bills in no time!

Secured Loans:

Automobile Secured Loans - We can help you purchase a new vehicle, refinance existing vehicle loans or simply assist you in obtaining the funds needed for whatever expenses you have! We would welcome the opportunity to save you money ..... stop by today to apply! Loans may be approved up to 100% of the NADA retail value (or 75% for salvage titles). 


Recreational Secured Loans - Don't wait to have fun and enjoy the outdoors. We are happy to help you obtain the snowmobile, boat, motorcycle or camper of your dreams, plus much more! Loans may be approved up to 80% of the NADA retail value (or 75% for salvage titles).

Credit Builder Loans - Have you been denied credit in the past due to a low credit score or credit concerns?  We have a solution to help you build credit.  Credit Builder Loans provide an opportunity for you to make regular payments over the course of the loan term and build stronger credit.  Financial counseling is provided to members giving them the tools to repair their credit and improve their financial future.


Share Secured Loans - We offer lower rates when you use your share savings or certificate of deposit as collateral.

Personal Loans -

Closed End:Do you simply need a smaller amount of cash to pay for a vacation, purchase a new washer & dryer or any other smaller purchases? If so, we can help! Our closed-end personal loans offer you the opportunity to do just that!


Open End Revolving Lines of Credit:Do you like the security of having a small sum of cash available for rainy-day events? We can help you there too! Lines of credit offer a convenient way to access funds at any time without the hassle of filling out additional paperwork.


We Also Offer These Additional Services:

Free Notary Service

Free NADA Value Reports 

Financial Review / Budgeting / Balancing Accounts

Coin Counting (Free) 

Wire Transfers - Send or receive funds electronically to or from your MCECU account.  For specific wire instructions CLICK HERE

Automatic Payment - Save a stamp and have your loan payments automatically withdrawn from your account.  You can also use this convenient service to make automatic deposits to your MCECU accounts from an external account.  Never be late on loan payments or use the service to build up your share-savings balance.   

  • CLICK HERE to print an automatic payment/deposit form.  Please return your form with a voided check (if applicable) to the Credit Union at least three (3) days prior to the effective date.

Internal Transfers -  Let us make transfers on your behalf between your MCECU accounts.  Whether you'd like to have your loan payment transfered or a scheduled transfer to your share-savings account, we've got you covered.  This service is also available with your Home Banking access.  You can set up one-time or recurring transfers that best meet your schedule.  

Direct Deposit - Send your payroll, social security, PERA, tax refund and more by Direct Deposit to your account at MCECU. It's quick, safe and easy!  All you need is: 

Your Account Number and Mower County Employees Credit Union Routing Number: 291973302

Payroll Deduction - It's easy to directly deposit funds into your share account or apply payments to any of your loans directly from your Mower County paycheck!

  • CLICK HERE to print your Payroll Deduction Form.  Please return your form to the Credit Union and we'll set up the deductions on your behalf with the County Payroll Department

Drop Box - Can't make it during business hours? We offer 2 drop box solutions:

Government Center Drop Box @ 201 First Street NE, Austin, MN (Picked up each weekday prior to 11:00 am)

Credit Union Drop Box - Located at the front of the Credit Union


Loan options are offered subject to normal credit approval.  Shares federally insured by the NCUA.  Please contact us for more details related to any of our products or services.