Michigan educational cu - Michigan Educational Credit Union: 9200 Haggerty Road Plymouth, MI 48170 This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law.

 
Michigan. 48170. 734-416-5348. *** Verify that the Michigan Educational Credit Union routing number shown above is correct for by calling the phone number 734-416-5348 before using it in any financial transaction. The data above was last updated on 11/21/2017. See all local Credit Unions here.. I am com

Founded in 1942, Michigan Educational Credit Union is a not-for-profit financial cooperative that provides its members who reside, work or worship in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties with a full spectrum of affordable financial products and services.Nov 2011 - Oct 202211 years. 13505 Haggerty Road, Plymouth, MI. Manage customer expectations and deliverables to ensure customer satisfaction. Responsibilities include assisting in managing the ...Experience: Michigan Educational Credit Union · Education: Madonna University · Location: South Lyon, Michigan, United States · 500+ connections on LinkedIn. View Kevin Finneran’s profile on ...at Michigan Educational Credit Union, for a total of $193,068,401. Whether they’re on the go or busy at home, members have come to rely on the convenience and efficiency of our online loan application. Last year, we received a record 2,483 loan applications online, up from 1,831 in 2021, for a total of $57,127,237 in loans.Indiana, Ohio, Minnesota and Wisconsin are the states that border the state of Michigan. It is also bordered by the Great Lakes. In addition to the four states that border Michigan...TruStage® Auto & Home Insurance Program. Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Get your free quote today or call 1-855-483-2149. TruStage® Auto and Home ...Lost, stolen, or fraudulent ATM or debit cards (U.S. only) 1-888-241-2510: Lost, stolen, or fraudalent ATM or debit cards (international) 1-909-941-1398When it comes to showing support for your favorite sports team, having the right merchandise is essential. For fans of the Michigan Wolverines, there’s no better place to find all ...Michigan Educational CU Branch Location at 123 Brighton Lake Rd, Brighton, MI 48116 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews.Michigan Educational CU Downtime Service Status. View Service Status for March 15, 2024 ; Report a Problem ; Contact the Credit Union ; Check conditions of Michigan Educational Credit Union's online banking, website, mobile app services below.We would like to show you a description here but the site won’t allow us.Before he was the President and CEO of Ford, Jim Hackett revitalized the University of Michigan's athletic department and hired Jim Harbaugh By clicking "TRY IT", I agree to receiv...MICHIGAN EDUCATIONAL CREDIT UNION: Address: (Main Office) 9200 N Haggerty Rd PLYMOUTH, MI 48170-4633: Phone: (734) 455-9200: Fax: (734) 416-5256: Website: …MECU-Macomb. 47230 Hayes Rd. Macomb, MI. Main Office. 9200 N Haggerty Rd. Plymouth, MI. Enrolling online banking way too hard. Michigan Educational CU - Find … 272482508. Suggest an Update. Enrolling online banking way too hard. Michigan Educational CU Branch Location at 9200 N Haggerty Rd, Plymouth, MI 48170 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews. Toll-Free: (888) 261-3355. Fax: (810) 494-9230. Report Phone Problem. Address: Michigan Educational Credit Union Brighton Branch 123 Brighton Lake Road Suite 102 Brighton, MI 48116. Website: Visit Website.The MECU-LIVONIA BRANCH of MICHIGAN EDUCATIONAL CREDIT UNION is located in LIVONIA, MI at 14921 Middlebelt Rd. See location on map below. For additional information, such as hours of operation, please call (734) 261-1050. Location 14921 Middlebelt Rd LIVONIA, MI 48154-4032Michigan Educational Credit Union (MECU) was founded in 1942 to serve the ever-changing financial needs of the growing numbers of its member owners. Today, MECU serves more than 50,000 members, with assets of $800 million and 6 branches.MECU-Macomb. 47230 Hayes Rd. Macomb, MI. Main Office. 9200 N Haggerty Rd. Plymouth, MI. Enrolling online banking way too hard. Michigan Educational CU - Find …Michigan Educational Credit Union offers a variety of terms to suit your particular savings goals. Our Share Certificates feature: Terms of 3 to 60 months; Minimum of $2,500 required for terms up to 12 months; Minimum of $5,000 required for terms of 18 months and longer;Medicine Matters Sharing successes, challenges and daily happenings in the Department of Medicine Nadia Hansel, MD, MPH, is the interim director of the Department of Medicine in th...Michigan Educational Credit Union. . Credit Unions, Banks, Commercial & Savings Banks. Be the first to review! 82 Years. in Business. Accredited. Business. (734) 455-9200 Visit Website Map & Directions 9200 N Haggerty RdPlymouth, MI 48170 Write a Review.Michigan Educational Credit Union. ( 104 Reviews ) 9200 Haggerty Rd. Plymouth, MI 48170. (734) 455-9200. Website.Michigan Educational Credit Union. 9200 N Haggerty Rd Plymouth MI 48170 (734) 455-9200. Claim this business (734) 455-9200. Website. More. Directions Advertisement. Opened in 1942, this facility provides "everything you need for your financial life." It offers checkings and savings accounts, auto and personal loans, home equity loans, credit ...Michigan passed the Essential Insurance Act of 1979 in response to an insurance market that made it hard for state residents to find affordable homeowners or automobile insurance. ...Six students completed due diligence on a stock of their choice for the Maize and Blue Stock Pitch Competition at the University of Michigan ... Six students completed due dil...Today: 9:30 am - 5:30 pm. Tomorrow: 9:30 am - 5:30 pm. 82 Years. in Business. (810) 494-6000 Visit Website Map & Directions 123 Brighton Lake RdBrighton, MI 48116 Write a Review.If you can't make it to a Michigan Educational Credit Union branch, try a shared branch near you. You'll feel right at home when you visit participating credit unions in all 50 states. MECU members have access to more than 5,000 shared branches nationwide, thanks to MECU's partnership with CO-OP Financial Services.Michigan Educational Credit Union: 9200 Haggerty Road Plymouth, MI 48170. This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law. Routing Number: 272482508 Wire Information Fraud & Security Locations & Hours Traveling?5 reviews of Michigan Educational Credit Union "When my wife and I joined MECU in 2015, the staff (at the Ann Arbor branch) came over to meet us and introduce themselves to us. Additionally, we were pleased to learn that their free checking is actually free (with no direct deposit requirement) and if you direct deposit you get your first box of checks for … Michigan Educational Credit Union: 9200 Haggerty Road Plymouth, MI 48170 This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law. Documents · Account Forms · Direct Deposit Forms · Dispute Forms · IRA Forms · Misc Documents/Forms · Transactional Forms. ACH-Debit-Form ... Most credit card issuers charge a fee of 3%-5% of the amount transferred, which can add up fast! When you transfer your balances to your MECU card, you'll start saving money right away, which can help you pay off your bills faster. To take advantage of this limited-time offer, give us a call at (734) 455-9200 or toll-free (888) 261-3355 or ... Read about the five most common reasons for customer churn -- and how to address them quickly to improve customer retention. Trusted by business builders worldwide, the HubSpot Blo...The Michigan Educational CU has been serving its members in and around the PLYMOUTH, MI area with exceptional financial products. With great rates on new car loans, used car loans and 1st and 2nd mortgage rates, they have grown their membership to over 49,181. Find their routing number, loan rates and historical data here.Michigan Educational Credit Union, Plymouth, Michigan. 2,326 likes · 4 talking about this · 51 were here. Dedicated to serving the financial needs of our community since 1942.Michigan Educational Credit Union: 9200 Haggerty Road Plymouth, MI 48170 This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law.272482508. Suggest an Update. Enrolling online banking way too hard. Michigan Educational CU Branch Location at 47230 Hayes Rd, Macomb, MI 48044 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews.Michigan Educational Credit Union May 2018 - Sep 2023 5 years 5 months. Plymouth, Michigan Papa John's International 2 years 9 months Shift Manager ...The routing number can be found on your check. The routing number information on this page was updated on Jan. 5, 2023. Check Today's Mortgage/Refi Rates. Bank Routing Number 272482508 belongs to Michigan Educational Cu. It routing both FedACH and Fedwire payments.Mar 1, 2024 · College/Trade School Grad or Active Military Discount - 2022 and 2023 graduates and active military service members can save .25% off MECU's current auto loan rates. Classic Cars (25 years and older) As low as 8.00%, up to 48 months (minimum $10,000) Payment example: $20,000 loan with a 72 month term at 6.99% APR would be $340.88/month. Whether you’re a die-hard Michigan Wolverines fan or just enjoy watching college football, finding the best deals and packages for watching live Michigan games is essential. With t...Toll-Free: (888) 261-3355. Fax: (810) 494-9230. Report Phone Problem. Address: Michigan Educational Credit Union Brighton Branch 123 Brighton Lake Road Suite 102 Brighton, MI 48116. Website: Visit Website.Michigan Educational Credit Union (MECU) was founded in 1942 to serve the ever-changing financial needs of the growing numbers of its member owners. Today, MECU serves more than 50,000 members, with assets of $800 million and 6 branches.Michigan Educational Credit Union: 9200 Haggerty Road Plymouth, MI 48170 This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law.Michigan Educational Cu ABA check routing number and routing number lookup 272482508.Glassdoor gives you an inside look at what it's like to work at Michigan Educational Credit Union, including salaries, reviews, office photos, and more. This is the Michigan Educational Credit Union company profile. All content is posted anonymously by employees working at Michigan Educational Credit Union.Explore the comprehensive Financial Performance Report (FPR) for Michigan Educational Credit Union.This in-depth financial statement offers a condensed overview of the credit union's financial position, based on data from the 3rd Quarter of 2023 NCUA Call Report (NCUA 5300 Report). From assets and liabilities to income and expenses, our …The MECU-LIVONIA BRANCH of MICHIGAN EDUCATIONAL CREDIT UNION is located in LIVONIA, MI at 14921 Middlebelt Rd. See location on map below. For additional information, such as hours of operation, please call (734) 261-1050. Location 14921 Middlebelt Rd LIVONIA, MI 48154-4032Indiana, Ohio, Minnesota and Wisconsin are the states that border the state of Michigan. It is also bordered by the Great Lakes. In addition to the four states that border Michigan...New investments from Gotion and Our Next Energy to build battery plants in Michigan position the state as a top electrification supplier. Michigan, long the automotive manufacturin...With as little as $2,500, you can earn a higher rate of return with a Michigan Educational Credit Union Share Certificate. Our Share Certificates feature: Terms of 3 to 60 months. Terms up to 12 months require a minimum of $2,500. Terms of 18 months and longer require a minimum of $5,000. Available with a compounding or non-compounding … Michigan Educational Credit Union: 9200 Haggerty Road Plymouth, MI 48170 This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law. michigan educational c.u. visa ↗: credit classic 448274 ↗: united states ↗: michigan educational c.u. visa ↗: credit classic 460750 ↗: united states ↗: michigan educational c.u. visa ↗: credit classic 542328 ↗: united states ↗: michigan educational c.u. mastercard ↗: credit standardMichigan Educational Credit Union. 123 Brighton Lake Road, Suite 102 Brighton, MI 48116. 1; 2 > Location of This Business 9200 Haggerty Road, Plymouth, MI 48170. Email this Business.Founded in 1942, Michigan Educational Credit Union is a not-for-profit financial cooperative that provides its members who reside, work or worship in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties with a full spectrum of affordable financial products and services. Contact Info (248) 399-7473 (248) 399-7473272482508. Suggest an Update. Enrolling online banking way too hard. Michigan Educational CU Branch Location at 47230 Hayes Rd, Macomb, MI 48044 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews.Thu 9:30 AM - 5:30 PM. Fri 9:30 AM - 5:30 PM. (734) 455-9200. https://www.michedcu.org. Founded in 1942, Michigan Educational Credit Union is a not-for-profit financial cooperative that provides its members with a full spectrum …Credit Unions Royal Oak, MI ; Michigan Educational Credit Union - Royal Oak; Closes in 7 h 49 min. Michigan Educational Credit Union - Royal Oak opening hours. Verified Listing. Updated on March 2, 2024 +1 248-399-7473. Call: +1248-399-7473. Route planning . …Today: 9:30 am - 5:30 pm. Tomorrow: 9:30 am - 5:30 pm. 82 Years. in Business. (810) 494-6000 Visit Website Map & Directions 123 Brighton Lake RdBrighton, MI 48116 Write a Review.The MECU-LIVONIA BRANCH of MICHIGAN EDUCATIONAL CREDIT UNION is located in LIVONIA, MI at 14921 Middlebelt Rd. See location on map below. For additional information, such as hours of operation, please call (734) 261-1050. Location 14921 Middlebelt Rd LIVONIA, MI 48154-4032Get directions, reviews and information for Michigan Educational Credit Union in Brighton, MI. You can also find other Atm Sales & Service on MapQuest . Search MapQuest. Hotels. Food. Shopping. Coffee. Grocery. Gas. Michigan Educational Credit Union. Closed today (810) 494-6000. Website. More. Directions 5 reviews of Michigan Educational Credit Union "When my wife and I joined MECU in 2015, the staff (at the Ann Arbor branch) came over to meet us and introduce themselves to us. Additionally, we were pleased to learn that their free checking is actually free (with no direct deposit requirement) and if you direct deposit you get your first box of ... Phone Number: (734) 761-7505. Toll-Free: (888) 261-3355. Fax: (734) 995-4258. Report Phone Problem. Address: Michigan Educational Credit Union Ann Arbor Branch 4141 Jackson Boulevard Ann Arbor, MI 48103. Michigan Educational Credit Union: 9200 Haggerty Road Plymouth, MI 48170. This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law. Routing Number: 272482508 Wire Information Fraud & Security Locations & Hours Traveling?Dec 22, 2020 ... Michigan Educational Credit Union. Dec 22, 2020󰞋󱟠. 󰟝. Reindeer Food. Need an activity to keep your kids ...Michigan Educational Credit Union (MECU) was founded in 1942 to serve the ever-changing financial needs of the growing numbers of its member owners. Today, MECU serves more than 50,000 members, with assets of $800 million and 6 branches.Michigan Educational Credit Union. 123 Brighton Lake Road, Suite 102 Brighton, MI 48116. 1; 2 > Location of This Business 9200 Haggerty Road, Plymouth, MI 48170. Email this Business.The Michigan Educational CU has been serving its members in and around the PLYMOUTH, MI area with exceptional financial products. With great rates on new car loans, used car loans and 1st and 2nd mortgage rates, they have grown their membership to over 49,181. Find their routing number, loan rates and historical data here.Mar 1, 2024 · With as little as $2,500, you can earn a higher rate of return with a Michigan Educational Credit Union Share Certificate. Our Share Certificates feature: Terms of 3 to 60 months. Terms up to 12 months require a minimum of $2,500. Terms of 18 months and longer require a minimum of $5,000. Available with a compounding or non-compounding option. About this app. Get the convenience of mobile banking wherever you are with Michigan Educational Credit Union. MichEd Mobile is available to all members of the …About Michigan Educational Credit Union. Michigan Educational Credit Union was chartered on Jan. 1, 1942. Headquartered in Plymouth, MI, it has assets in the amount of $700,720,340. Its 48,221 members are served from 5 locations. Deposits in Michigan Educational Credit Union are insured by NCUA.Michigan Educational CU Branch Location at 4141 Jackson Rd, Ann Arbor, MI 48103 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews. Find Branches Branch spot.In the state of Michigan, alcohol can be purchased any time except between the hours of 2:30 a.m. until noon on Sundays and between the hours of 2:30 a.m. to 7 a.m. from Monday thr...Michigan Educational CU Branch Location at 4141 Jackson Rd, Ann Arbor, MI 48103 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews. Find Branches Branch spot.Members and communities are at the center of everything that we do. You have goals to reach and dreams to achieve, and we are here to help you prosper. Michigan Schools & Government Credit Union offers great rates on personal & business loans, mortgages and more. Explore our account and loan options today!Explore our diverse range of loans and credit card options at Michigan Educational Credit Union. Achieve your financial goals with us. Go to main content. Routing Number: 272482508 Wire ... This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law.For more information about the Michigan Education Savings Program (MESP) , call 1-877-861-6377 or review the Program Description which includes investment objectives, risks, charges, expenses, and other important information. Read and consider it carefully before investing. Please Note: Before you invest, consider whether your or the ...Read reviews, compare customer ratings, see screenshots, and learn more about MichEd CardNav. Download MichEd CardNav and enjoy it on your iPhone, iPad, and iPod touch.Founded in 1942, Michigan Educational Credit Union is a not-for-profit financial cooperative that provides its members who reside, work or worship in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties with a full spectrum of affordable financial products and services.Michigan Educational Credit Union. Categories. Banks & Credit Unions. 9200 Haggerty Plymouth Michigan 48188; 734-455-9200 x5417; Send Email; Visit Website; About Us. MECU is a non-profit financial cooperative that is owned and operated by its members. Rep/Contact Info. Wendy Marquette.About Michigan Educational Credit Union. Michigan Educational Credit Union was chartered on Jan. 1, 1942. Headquartered in Plymouth, MI, it has assets in the amount of $700,720,340. Its 48,221 members are served from 5 locations. Deposits in Michigan Educational Credit Union are insured by NCUA.Indices Commodities Currencies Stocks1-888-241-2510. Lost or stolen Visa or MasterCard credit cards. 1-800-449-7728. Visa and MasterCard credit card transaction assistance. 1-866-820-2945. To report a lost or stolen card (ATM, debit or credit) during MECU business hours, you can call any of our offices.Start Saving For Tomorrow With An IRA. Expand your nest egg with the safety of a federally insured Individual Retirement Account (IRA) from Michigan Educational Credit Union. It's a great alternative to riskier investments. You'll earn competitive dividends, and your IRA is insured separately from your other MECU savings accounts, up to …The Michigan Schools and Government Credit Union (MSGCU) is headquartered in Clinton Township, Michigan, and has a membership size of more than 137,000 and ...Dec 31, 2023 · Dec, 31, 2023 — MICHIGAN EDUCATIONAL CREDIT UNION is a federally insured state chartered credit union headquartered in PLYMOUTH, MI with 6 branch locations and about $1.01 billion in total assets. Opened 82 years ago in 1942, MICHIGAN EDUCATIONAL CREDIT UNION has about 49,994 members and employs 88 full and part-time employees offering ... Are you a die-hard Michigan Wolverines fan who can’t wait to catch every second of the game? Whether you’re a student, alumni, or simply a passionate supporter, watching the Michig...Mar 1, 2024 · 3.95%. $5,000. Rates are subject to change at any time without notice. Please call for the most current rates. A penalty will be imposed for early withdrawal. 3 months and 6 months Share Certificate - all interest accrued penalty. 1 to 2.5 years Share Certificate - 6 months of interest accrued penalty. About this app. Get the convenience of mobile banking wherever you are with Michigan Educational Credit Union. MichEd Mobile is available to all members of the …

Michigan Educational CU. 1903 Rochester Rd, Royal Oak, MI 48073. Full Service Machine Restricted Access. Get Directions. Full Service Machine Restricted Access. 7 …. Www chumba casino

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If you need assistance or have any questions please reach out to us at 734-455-9200. Access your credit card account online with Michigan Educational Credit Union. Monitor your transactions and manage your card conveniently. Michigan Educational Credit Union - Royal Oak. . Credit Unions. Be the first to review! 89 Years. in Business. (248) 399-7473 Visit Website Map & Directions 1903 Rochester RdRoyal Oak, MI 48073 Write a Review.If you can't make it to a Michigan Educational Credit Union branch, try a shared branch near you. You'll feel right at home when you visit participating credit unions in all 50 states. MECU members have access to more than 5,000 shared branches nationwide, thanks to MECU's partnership with CO-OP Financial Services.Marquette, Michigan is a charming city located on the shores of Lake Superior. Known for its breathtaking natural beauty and vibrant cultural scene, Marquette attracts visitors fro...Michigan Educational Credit Union: 9200 Haggerty Road Plymouth, MI 48170 This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law.Michigan Educational Credit Union, Plymouth, Michigan. 2,328 likes · 32 talking about this · 51 were here. Dedicated to serving the financial needs of our community since 1942. Michigan Educational Credit UnionManaging your Michigan Educational Cards are easier than ever with the MichEd CardLock App from Michigan Educational Credit Union. Enjoy on-the-go management of your credit cards from one easy-to-use platform. A personalized banking experience right at your fingertips? We got you! With this app, you can: • View recent and …Michigan Educational Credit Union. Categories. Banks & Credit Unions. 9200 Haggerty Plymouth Michigan 48188; 734-455-9200 x5417; Send Email; Visit Website; About Us. MECU is a non-profit financial cooperative that is owned and operated by its members. Rep/Contact Info. Wendy Marquette.272482508. Suggest an Update. Enrolling online banking way too hard. Michigan Educational CU Branch Location at 9200 N Haggerty Rd, Plymouth, MI 48170 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews.In the state of Michigan, alcohol can be purchased any time except between the hours of 2:30 a.m. until noon on Sundays and between the hours of 2:30 a.m. to 7 a.m. from Monday thr...Glassdoor gives you an inside look at what it's like to work at Michigan Educational Credit Union, including salaries, reviews, office photos, and more. This is the Michigan Educational Credit Union company profile. All content is posted anonymously by employees working at Michigan Educational Credit Union.Our home equity program features: Home Equity Line of Credit option with competitive, variable rate and monthly payments as low as $9.00 per thousand borrowed. Closed-end Home Equity Loan option with low, fixed-rate. Loan amounts of $10,000 or more. Maximum Loan-to-Value 90%. NO FEES.Michigan Educational Credit Union: 9200 Haggerty Road Plymouth, MI 48170. This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law. Routing Number: 272482508 Wire Information Fraud & Security Locations & Hours Traveling?272482508. Suggest an Update. Enrolling online banking way too hard. Michigan Educational CU Branch Location at 47230 Hayes Rd, Macomb, MI 48044 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews.About Michigan Educational Credit Union. Michigan Educational Credit Union was chartered on Jan. 1, 1942. Headquartered in Plymouth, MI, it has assets in the amount of $700,720,340. Its 48,221 members are served from 5 locations. Deposits in Michigan Educational Credit Union are insured by NCUA.Michigan Educational Credit Union publishes a newsletter to keep members up-to-date on current promotions and other important information. To view the online version of the newsletter you will need the free Adobe Acrobat Reader. Click here if you don't already have it. Winter Wrap-Up Loan To The Rescue! Take Your Savings To New Heights!If you want to apply for a Mortgage, call our Plymouth office representative at (734) 416-5076 or our Livonia office representative at (734) 261-6550. You can also apply online. Apply for loans at Michigan Educational Credit Union today. Our easy online application process makes securing financial support hassle-free.Originally known as Wayne Out County Teachers Credit Union, Michigan Educational Credit Union (MECU) formed in 1942 when 28 teachersand educational employees pooled together $170 in assets. Today, we are nearly 50,000 members strong, with assets exceeding $600 million.MECU is a non-profit financial cooperative that is owned and ….

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