Yes! Credit Unions are full-service financial cooperatives and we are no exception.

Not only do we offer a full suite of products and services for our members, but we also offer substantial savings over other financial institutions. You could save hundreds – and perhaps thousands – of dollars each year by using credit union services rather than a for-profit commercial bank. As a member-owned financial institution, we return operating profits to our members, so you can enjoy:

• Fewer fees
• Lower loan rates and higher rates on Savings. Talk about the best of both worlds!
• Personal attention
• Free financial education
• And more!

Not a member yet?
Joining is easy! You can open an account with as little as $5. First determine whether you’re eligible for membership and then open your account today!

You may join the credit union if you meet the following requirements:

• You live, work, volunteer or attend school in our Field of Membership
• If you are a member or volunteer of a religious, civic or charitable organization having their principal place of business within our Field of Membership
• If you have a family member that is already a member

See what areas are included in our Field of Membership here.

Join us! Click here to learn more and open your account today!

You can use our secure Privacy Opt-Out form.

You may also speak with a Member Service Representative at 800-356-0067, visit one of our branch locations, or send a letter to:

Merrimack Valley Credit Union
P.O. Box 909
North Andover, MA 01845
Attn: Opt-Out

Did you know that you can access your account 24/7 using Online Banking?

Bank easier with 24/7 access to all of your accounts!  Make online transfers, access Bill Pay & eStatements, check and monitor your FICO score, set savings goals, manage your budget, and much more! Register today!

Access your accounts on-the-go!

Download the MVCU mobile app on the App Store or via Google Play.  Follow the prompts to get set up in the application and log in from your smartphone!

We pride ourselves on being an active corporate citizen and an influential part of our community since 1955!  We sponsor and support many organizations in the communities we serve through financial education, financial support, and volunteer efforts.  

Click here to read about what we've been up to and learn how we have impacted the community.

Credit unions are are not-for-profit organizations owned by the credit union members and governed by their Boards of Directors. Once you join a credit union you are officially a part-owner of the institution. Every member, regardless of the amount in their account, can cast a vote to elect the credit union’s board members. Our board members are listed here.

Credit unions are also regulated by the National Credit Union Administration (NCUA)−just as banks are overseen by the Federal Deposit Insurance Corporation (FDIC). Both institutions insure accounts up to $250,000. The difference is that the NCUA covers regular shares and share draft accounts which are specific to credit unions and the $250,000 coverage limit applies to total deposits at a single institution. 

We are a state-chartered credit union, so accounts with more than $250,000 are insured by the Massachusetts Credit Union Share Insurance Corporation (MSIC), ensuring that all of your accounts are safe.  

Not a member yet?

Joining is easy! You can open an account with as little as $5. First determine whether you’re eligible for membership and then open your account today!

You can view our convenient hours & locations by visiting our Locations page.

Sign up for Online Banking!  Make online transfers, access Bill Pay & eStatements, check and monitor your FICO score, set savings goals, manage your budget, and much more! Register today!

Haven't downloaded the app? Download the MVCU mobile app on the App Store or via Google Play. Follow the prompts to get set up in the application and log in from your smartphone!

As a member, you not only have access to our complete suite of products and services, you’re part-owner as well. We pass any "profits" we make directly back to members. Because there are no shareholders to keep happy, we are able to offer better rates and lower fees. Typically, we offer higher rates on savings and certificates—and much lower rates on loans. You can save hundreds or even thousands over the life of the loan. That’s because all profits come back to the members—not shareholders.

You'll also enjoy member rewards, discounts on services, branch giveaways and more. And your savings are fully insured by the NCUA and MSIC so your money is safe and secure.

Some notable benefits our members receive are:

• Fewer fees
• Lower loan rates and higher rates on Savings. Talk about the best of both worlds!
• Personal attention
• Free financial education
• And more!

Not a member yet?

Joining is easy! You can open an account with as little as $5. First determine whether you’re eligible for membership and then open your account today!

The branches and offices for the credit union are closed on all federal holidays. This includes:

• New Year's Day
• Martin Luther King Jr. Day
• Presidents' Day
• Memorial Day
• Juneteenth
• Independence Day
• Labor Day
• Columbus Day
• Veterans Day
• Thanksgiving Day
• Christmas Day

Please check our hours on Christmas Eve and New Year's Eve.

ATMs are always open.

Visit your local branch! Search our ATM/Branch Locations.

Access to your accounts 24/7!

With eServices, you have convenient 24/7 access to your account everywhere you go!

• Online Banking
• Mobile Banking
• Bill Pay
• ATM/Debit Card
• Telephone Banking

A credit union is a non-profit cooperative institution made up of members who borrow from pooled deposits. Credit unions offer most of the same services as traditional banks but are owned by members, not shareholders, and are governed by the NCUA.

As a member-owned financial institution, we return operating profits to our members, so you can enjoy:

• Fewer fees
• Lower loan rates and higher rates on Savings. Talk about the best of both worlds!
• Personal attention
• Free financial education
• And more!

So, join our credit union and be part of our family.

Not a member yet?

Joining is easy! You can open an account with as little as $5. First determine whether you’re eligible for membership and then open your account today!

Please refer to our Contact Us page for mailing addresses, phone numbers, fax numbers, and department-specific contact information. If you would like to communicate online, contact us via our live chat service!

If you believe your card has been lost or stolen, please contact a member representative straight away at 800.472.3272 to protect your accounts.

Visit your local branch! Search our ATM/Branch Locations.

Interested in membership?

Becoming a member is your next step toward financial success! Experience the following benefits:

• Lower rates on loans and higher rates on savings
• Membership Benefits
• Quality financial services
• Personal attention
• And more!

Click here to learn more and open your account today!

Our mailing address is:

Merrimack Valley Credit Union
P.O. Box 909
North Andover, MA 01845

For a list of all branch locations and their respective addresses, please see our ATM & Branch Locator.

Haven’t signed up for Online Banking yet?

Make online transfers, access Bill Pay & eStatements, check and monitor your FICO score, set savings goals, manage your budget, and much more! Register today!

Haven't downloaded the app?

Download the MVCU mobile app on the App Store or via Google Play.  Follow the prompts to get set up in the application and log in from your smartphone!

The Credit Union does not have a SWIFT code. Instead, we have a routing number: 211384926. We do offer international wire transfers.

Send an International Wire

Written authorization is required to send both domestic and international wires. You may visit the nearest branch location to complete your wire transfer request. All wire requests need to be made in person.

The wire cut-off time is 3:00 PM each weekday. Wire transfer requests completed after 3:00 PM will be initiated the next business day.

Click here to find information on current job openings and begin an online application! Thank you for your interest.

Why work with us?

Employment at the credit union is both rewarding and challenging. Employees who have a genuine desire to help others will excel here. We are driven to hire and retain those persons who are dedicated to delivering outstanding service to our membership. As a full-service financial institution, we currently employ more than 300 professionals in numerous fields of expertise.

We are an equal opportunity employer.

Merrimack Valley Credit Union and Bridgewater Credit Union, a division of Merrimack Valley Credit Union, have 10 branch locations: six branch locations in the Merrimack Valley region, and four on the South Shore. Find the closest branch to you here.

Not near a branch but need cash?

MVCU and BCU are part of the SUM and CO-OP Networks, giving you access to more than 40,000+ free ATM locations nationwide.

Can't make it to the branch? Access your accounts easily while on the go!

Make online transfers, access Bill Pay & eStatements, check and monitor your FICO score, set savings goals, manage your budget, and much more!  Register today!

Also, download the MVCU mobile app on the App Store or via Google Play. Follow the prompts to get set up in the application and log in from your smartphone!

In need of further assistance? Visit us or reach out to our Call Center at 800-356-0067 today!

Credit unions are owned by the members of that credit union. Banks, on the other hand, are owned by the shareholders.

As a member-owned financial institution, we return operating profits to our members, so you can enjoy:

• Fewer fees
• Lower loan rates and higher rates on Savings. Talk about the best of both worlds!
• Personal attention
• Free financial education
• And more!

So, join our credit union and be part of our family.

Not sure how to become a member?

Joining is easy! You can open an account with as little as $5. First determine whether you’re eligible for membership and then open your account today!