While the FDIC is centered around Banks and Trusts, credit unions are insured by the National Credit Union Administration (NCUA) instead. 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.
Since we are a state-chartered credit union, accounts with more than $250,000 are additionally insured by the Massachusetts Credit Union Share Insurance Corporation (MSIC).
For more information about the NCUA, see the Insured Funds Brochure on CreditUnion.gov.
Not a member yet?
Joining is easy! You can open an account with us with as little as $5. First determine whether you’re eligible for membership and then open your account today!
Yes, you can designate one of your savings accounts at account opening or anytime thereafter for free overdraft protection. The savings account must have the funds available to cover the transactions.
Avoid overdraft fees with overdraft protection
We know that mistakes can happen, and our goal is to save you from the embarrassment of a bounced check or declined payment. We have programs that can help you protect your accounts from overdraft:
Keep tabs on your account balances through our eService options!
With eServices, you have convenient 24/7 access to your account everywhere you go:
Yes, you may! To find a deposit-taking ATM near you, please use our ATM locator. You will find a listing of our branches and thousands of surcharge-free and deposit-taking ATMs throughout the country.
ATM Deposit Availability
ATM deposits made at our ATMs are typically held for 2 days from the date of deposit. Funds deposited after 3:00 PM will be posted the next business day. If the deposit is made at a non-MVCU or BCU ATM, we may extend the hold depending on the type of check deposited. Cash deposited at the ATM is immediately available.
You can also make deposits electronically using mobile deposit within our mobile banking app.
Haven't downloaded the mobile 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!
Yes! You can join the credit union without leaving the comfort of your home. Review our eligibility requirements and click here to get started on your account application.
Discover our convenient accounts!
Explore our convenient options designed to meet your needs day-to-day:
Keep tabs on your account balances through our eService options!
With eServices, you have convenient 24/7 access to your account everywhere you go!
We strongly recommend that you order checks through our partner, Deluxe, rather than from a third party. This is so we can ensure security and low-costs for you, our member.
To reorder checks for an existing checking account, simply log into Online Banking for secure check reorders, or visit any of our branch locations for assistance.
Not registered for Online Banking? Get started today!
You can get your statements electronically by signing up for eStatements.
Sign up for eStatements today! Click on the Statements Widget in Online Banking to subscribe.
Here are some reasons you should consider enrolling:
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!
Yes, we offer 24-hour Telephone Banking Service!
Features:
How to access Telephone Banking:
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!
Yes! We offer investment services to all of our members. Learn more!
Bill Pay is a free service offered to credit union members via Online Banking.
Getting started with online Bill Pay couldn’t be easier.
If you’re already taking advantage of our online banking and have a checking account, just click on the Bill Pay widget to enroll.
Haven’t signed up for Online Banking yet?
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!
You may reorder checks online through our partner Deluxe, or visit any of our branch locations for assistance. Reorder checks now!
You can also order checks by calling a member service representative at our Toll-free Member Service Center Telephone Number: 800.356.0067.
Deposit your checks from home with Mobile Banking! Get started today!
Deposits at MVCU are insured by the National Credit Union Association (NCUA), a U.S. government agency. All membership accounts are insured for up to $250,000 per individual depositor.
The NCUA Tool Kit or NCUA calculators can explain more about the Share Insurance Fund.
Since we are a state-chartered credit union, accounts with more than $250,000 are additionally insured by the Massachusetts Credit Union Share Insurance Corporation (MSIC).
There is no limit to the number of accounts you may have with the credit union. Many members maintain several checking and or savings accounts. Provided that you qualify for membership, then you can open an account with us!
Opening an account with us has never been easier!
Once you are a member, you can open a new or secondary account online or at a branch location. For more on our account offerings, please refer to our Checking and Savings pages.
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!
Bill Pay is a free service offered to Credit Union members via Online Banking.
Getting started with online BillPay couldn’t be easier.
If you’re already taking advantage of our online banking and have a checking account, click on the Bill Pay widget in online banking to enroll.
Haven’t signed up for Online Banking yet?
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 now!
Our current stop payment fees are listed on our Schedule of Fees.
Make a Stop Payment
To place a stop payment, you will need your account number, the check number, and the amount of the check.
Haven’t signed up for Online Banking yet?
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!
We take your security very seriously, and Bill Pay is completely secure to use. For added safety, new payees must be set up through Online Banking.
Getting started with online Bill Pay couldn’t be easier.
If you’re already taking advantage of our online banking and have a checking account, just click on Bill Pay to enroll.
Haven’t signed up for Online Banking yet?
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!
An overdraft fee is assessed when you withdraw more money than you have available in your account. All fees are subject to change. Refer to the Schedule of Fees for more information.
Overdrawn account? Make a deposit today!
Avoid overdraft fees with overdraft protection
We know that mistakes can happen, and our goal is to save you from the embarrassment of a bounced check or declined payment. We have programs that can help you protect your accounts from overdraft:
Contact us at 800-356-0067 for more information!
The Credit Union does not charge a fee for using our ATMS. You can avoid ATM fees by conducting your transactions at our branches and ATMs.
Traveling?
ATM/Debit cards are often subject to international service fees when used outside the country. Please notify us before traveling internationally with your Visa debit and credit card to limit charges to your account. Fill out our Travel Authorization Form to ensure your funds remain accessible throughout your travel.
Bon voyage!
Access your accounts anywhere, anytime
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!
Rates may change frequently but are always accessible online. Please select one of the links below for a current listing of our competitive rates:
View our current service charges on our Schedule of Fees.
Find a convenient branch or surcharge-free ATM near you! Refer to our ATM & Branch Location page!
Not a member?
Becoming a member is your next step toward financial success! Experience the following benefits:
Click here to learn more and open your account today!
IRAs are considered Payable on Death accounts. Your beneficiaries will be notified and funds will be distributed accordingly. At any time, the IRA owner may submit a form to update, add, or remove the beneficiaries listed on the account.
Did you know you can maintain a Traditional and Roth IRA simultaneously?
You can even make contributions to both types of IRAs in the same year. However, your contributions to both Roth and traditional IRAs cannot exceed the maximum contribution limit for all IRAs.
A Roth IRA is an individual retirement account created by the Taxpayer Relief Act of 1997. Roth IRA accounts are traditionally used as retirement savings accounts. They allow limited contributions to be made throughout the tax year and can be withdrawn within 5 years after establishing the account, provided you are aged 59 1/2 or older.
To open your Roth IRA account or for more information, please call a member service representative at 800.356.0067.
To send money to financial institutions outside the United States, you will need the information below.
The required information includes:
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.
Find a convenient branch or surcharge-free ATM near you! Refer to our ATM & Branch Location page!
We are proud to offer a variety of insurance products to safeguard more than just your money:
| Homeowners Insurance | Term Life Insurance | Auto Insurance |
| Whole Life Insurance | Accidental Death and Dismemberment | Guaranteed Asset Protection (GAP) Plus |
| Extended Warranty | Mechanical Repair Coverage |
Ensure your financial stability by making insurance protection part of your fiscal plan! Get started today by getting a free, no-obligation quote.
Interest rates on Share Certificates vary and are based on the term of the certificate and on the opening balance of the certificate. Find our current Deposit Rates for our competitive certificate (CD) rates. Learn more about our CDs.
Ready to open your certificate? Open your account today!
Not what you're looking for?
We offer several other savings account options with competitive rates:
Click here to learn about account benefits and apply today.
The International Bank Account Number (IBAN) is an international standard of identifying bank accounts. These numbers are used when making or receiving international payments.
The IBAN varies by country/institution, and does not replace your account number. Only the institution servicing an account can provide the correct IBAN of that account and it must be obtained from the beneficiary of the wire. An IBAN is required for beneficiary accounts in Europe and other countries around the world.
If you need to send a wire, please contact the Member Support Center at 800-356-0067.
IRA stands for Individual Retirement Account. These accounts offer tax-deferred or tax-free contributions to allow you to save for your retirement.
We can help you start saving for retirement today. We currently offer the following IRA options:
Individual Retirement Accounts are an important part of planning for your future financial well being. These types of accounts offer tax advantages and there are two primary categories of IRAs: Traditional and Roth.
Traditional IRAs boast tax-deductible contributions–taxes are not paid on deposits until you begin to make withdrawals, so the investments grow tax-deferred. On the other hand, contributions to a Roth IRA are not tax-deductible, so as a result they are tax-free upon distribution. Your earnings in these types of accounts also grow tax-deferred, so income taxes on the investment earnings are not paid until withdrawals are made.
To open an IRA account or for more information, please call a member service representative at 800.356.0067.
You can always find our current rates on the Deposit Rates page! We offer fantastic and secure savings accounts that you can open with as little as $5.00. Our savings accounts feature:
Learn more about our savings offerings, or open an account online today!
Not a member?
Becoming a member is your next step toward financial success! Experience the following benefits:
Click here to learn more and open your account today!
A debit card draws from money you have available in your checking account. When you use your debit card, funds are immediately withdrawn from your checking account. Our members will receive a free debit card upon opening any one of our checking accounts.
When you use a credit card, you are borrowing money from a finite line of credit offered by a financial institution, depending on your credit limit. Each month you will receive a statement specifying your purchase amounts and details, as well as the minimum payment due. If you do not pay off your credit card in full each month you will be charged interest on the money you owe.
Choosing the right credit card is easier than ever. No matter which card you choose, you’ll enjoy important features like EMV smart chip technology, mobile purchasing capability, Apple Pay and Android Pay, plus much more! Learn more!
Please refer to our up-to-date Fee Schedule for pricing. You can purchase an Official Check at any of our branch locations!
Find one of our convenient branches or surcharge-free ATM near you! Refer to our ATM & Branch Location page!
Fees apply and vary by type of wire transfer. For more information, refer to our up-to-date Fee Schedule.
To complete a wire transfer, please contact the Member Support Team at 800-356-0067.
The maximum daily withdrawal from an ATM is $1,000.00 per business day. If you need to withdraw more than this amount, please visit a branch.
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!
Learn more about getting set up with mobile banking.
Not registered for Online Banking? Learn more today!
MVCU's privacy policy and other disclosures can be found here.
Merrimack Valley Credit Union’s routing number is 211384926.
What is a routing number?
The Routing Number is also called an ABA number or routing transit number. You can find it in the lower left-hand corner of your checks. Financial institutions use routing numbers in order to process payments electronically. Some examples of electronic payments that we provide are bill pay, checking transactions, and direct deposits!
Not enrolled in Online Banking? Learn more!
We can help you start saving for retirement today. We currently offer the following IRA options:
Individual Retirement Accounts are an important part of planning for your future financial well being. These types of accounts offer tax advantages and there are two primary categories of IRAs: Traditional and Roth.
Traditional IRAs boast tax-deductible contributions – taxes are not paid on deposits until you begin to make withdrawals, so the investments grow tax-deferred. On the other hand, contributions to a Roth IRA are not tax-deductible, so as a result they are tax-free upon distribution. Your earnings in these types of accounts also grow tax-deferred, so income taxes on the investment earnings are not paid until withdrawals are made.
To open an IRA account or for more information, please call a member service representative at 800.356.0067.
You may have received a call from our fraud prevention center due to suspicious activity on your Card. If they suspect your card security has been breached, they may suspend the usage of your card until you validate the questionable purchases.
Always remember to notify us prior to traveling so your card(s) can be approved for use in the area you're traveling to. This includes both international and domestic travel.
Do you suspect you've been a victim of identity theft?