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New Membership

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Eligibility
It's easy to become a member of MECU.
You will need the following information to complete your application:
Valid Driver's License/State ID, Military ID or U.S. Passport
E-mail Address
Social Security Number
Select your eligibility
I live, work, worship or attend school in Baltimore City.
I am a relative or housemate of someone who is eligible.
I'm affiliated with a qualifying employer/organization.
You can choose to support American Consumer Council (ACC), a non-profit that provides financial education to consumers. You must reside in Maryland, Washington D.C., Delaware, Pennsylvania, or Virginia. I would like to support ACC, making me eligible for MECU membership. I understand MECU will make a one-time support payment to ACC on my behalf.
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Required Products
Select the following products required for membership
Share Savings

This is your membership account and your gateway into MECU. It is required to open any additional accounts.

APY: 0.10% Min Deposit: $5.00


In addition, select one of the following products
Available Products
11 Month SuperFlex CD

After an initial investment of $5,000, you can enjoy the flexibility of making unlimited additional deposits. Need access to you money? This Certificate allows you to make one penalty free withdrawal during the term of your investment as long as a minimum balance of $1,000 is maintained.

APY: 0.40% Min Deposit: $5,000.00

6 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 6 Month CD.

APY: 0.20% Min Deposit: $500.00

12 Month Auto-Build CD

Start saving with as little as $25 – and keep adding to it throughout the term of your investment. Once your account principal reaches $5,000 you earn the top tier interest rate. A minimum initial deposit of $25.00 is required.

Max APY: 0.30% Min Deposit: $25.00

24 Month Auto-Build CD

Our 24 Month Auto-Build CD offers the same benefits and features as our 12 Month Auto-Build CD but gives you even more time to build your account principal towards the $5,000 mark. A minimum initial deposit of $25.00 is required.

Max APY: 0.55% Min Deposit: $25.00

24 Month Bump Up CD

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APY: 0.30% Min Deposit: $500.00

9 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 9 Month CD.

APY: 0.30% Min Deposit: $500.00

36 Month Bump Up CD

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APY: 0.30% Min Deposit: $500.00

48 Month Bump Up CD

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APY: 0.40% Min Deposit: $500.00

60 Month Bump Up CD

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APY: 0.40% Min Deposit: $500.00

12 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 12 Month CD.

APY: 0.35% Min Deposit: $500.00

18 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 18 Month CD.

APY: 0.40% Min Deposit: $500.00

24 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 24 Month CD.

APY: 0.45% Min Deposit: $500.00

36 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 36 Month CD.

APY: 0.55% Min Deposit: $500.00

48 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 48 Month CD.

APY: 0.60% Min Deposit: $500.00

60 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 60 Month CD.

APY: 1.00% Min Deposit: $500.00

Savings

Manage household expenses or save for a family vacation through a separate MECU Savings account.

APY: 0.10% Min Deposit: $5.00

Holiday Savings

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APY: 0.10% Min Deposit: $5.00

Pay All Year Savings

PAY Savings help teachers and other 10-month employees’ budget for the summer months when not receiving a regular paycheck. Funds saved throughout the year are automatically deposited into your MECU Share Savings or Checking account in four payments during the summer months.

APY: 0.10% Min Deposit: $5.00

MoneyMarket

Looking for the benefits of a Savings account with the convenience of Checking? Our Regular Money Market account may be best for you.

Max APY: 0.15% Min Deposit: $500.00

Premier Money Market

Higher interest rates with MECU’s Money Market Accounts can help you to earn more money. We are happy to offer some of the best money market rates in Maryland.

Max APY: 0.20% Min Deposit: $50,000.00

CashBack

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Min Deposit: $25.00

Reward

Free checking AND an incredible interest rate! If you make 12 debit card purchases, enrolled to receive E-statements and have direct deposit or pay your monthly bills from your MECU account with Bill Pay each month, you can earn 3.00% APY on your Reward Checking balances up to $10,000 dollars.

Max APY: 3.00% Min Deposit: $25.00

Basic

An interest bearing checking account that provides you with basic account management and convenience features with no minimum balance requirements and no monthly maintenance fee.

APY: 0.03% Min Deposit: $25.00

APY (Annual Percentage Yield)
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Description

Details
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Additional feature(s)
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Choose your rate
Specify the amount to deposit
Choose your term

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Citizenship selection - Please visit a MECU branch
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You are required to complete your application at a MECU branch. Please visit MECU.com and select Branch Appointments to schedule an appointment at a local branch location.

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Application Cancelled

We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.


Funding

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Funding
How much do you want to deposit?

Fund via Internal Transfer

Fund via Credit Card

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There was a problem with your request

Transfer from another finacial institution

'Doing Business As' Information

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'Doing Business As' Information
DBA Business Information
Your Business Tax ID is used for identification purposes.
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
DBA Physical Address

Tell Us About Yourself

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Tell Us About Yourself
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment

Upload a copy of your driver's license, state ID, or U.S. Passport. (required)

Additional Information
Are you or the joint owner a non-resident alien?*
Are you or any immediate family members exposed to a politically exposed person?
( a PEP is any current or former senior political figure, their immediate family or close associate)*
Do you intend to perform business transactions with this account ?
(i.e. sole proprietor selling products or providing services) *
Are you employed as a Professional Service Provider?
(Examples of a personal service provider: • Attorney • Accountant • Investment Broker • Certified Public Accountant • Tax Preparer • Real Estate Broker • Insurance Broker • Pawn Broker • Doctor • Deal in precious metals/stones/jewels) *
Anticipated Monthly Cash Deposit / Withdrawal Dollar Amount:*
Anticipated Monthly Incoming / Outgoing Wire Dollar Amount:*
Indicate the purpose for receiving / sending wires:*
Anticipated Monthly Electronic Deposit / Debit Dollar Amount:
( electronic transactions, such as direct payroll, bill payment, monthly recurring payments, etc.)*
Anticipated Monthly Check Deposit / Withdrawal Dollar Amount:*
Anticipated Monthly Electronic Transactions Incoming / Outgoing*
Indicate the purpose for incoming / outgoing transactions:*

Co-Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Minor Applicant Information

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Tell Us About Yourself

Joint Applicant Information

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About Your Joint Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address