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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, or military ID

E-mail address and cell phone number

Routing and account number of external account to fund your new membership

USA Patriot Act: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Select your eligibility

I ____________ in Baltimore City.

I am a ___________ of someone who is eligible.

I'm affiliated with a qualifying employer/organization.

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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

Certificate Account Savings Money Market Checking

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: 3.85% 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: 3.90% Min Deposit: $500.00

8 Month Promotional CD

APY: 4.50% Min Deposit: $500.00 Max Deposit: $250,000.00

24 Month Bump Up CD

APY: 2.50% Min Deposit: $500.00

9 Month CD

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

APY: 4.00% Min Deposit: $500.00

36 Month Bump Up CD

APY: 2.75% Min Deposit: $500.00

48 Month Bump Up CD

APY: 2.80% Min Deposit: $500.00

60 Month Bump Up CD

APY: 2.90% Min Deposit: $500.00

12 Month CD

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

APY: 4.00% Min Deposit: $500.00

18 Month CD

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

APY: 3.60% Min Deposit: $500.00

24 Month CD

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

APY: 3.40% Min Deposit: $500.00

36 Month CD

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

APY: 3.30% Min Deposit: $500.00

48 Month CD

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

APY: 3.30% Min Deposit: $500.00

60 Month CD

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

APY: 3.30% 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

Save for the holiday expenses conveniently with an account designed to help you do just that.

APY: 0.10% Min Deposit: $5.00

VISA Secured Savings

Savings account for the purpose of securing the Visa Secured Credit Card. Do not apply for this product if you have not been approved for the Secured Visa Credit Card.

APY: 0.10%

Promotional Money Market

Max APY: 3.00% Min Deposit: $1,000.00

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: 0.40% Min Deposit: $500.00

CashBack

Earn 3% cash back on debit card purchases and receive ATM fee refunds each monthly cycle. To qualify, enroll in eStatements, make 12 debit card purchases and have direct deposit, or pay bills (using MECU's Bill Pay), or make ACH payments.

Min Deposit: $25.00

Reward

An incredible interest rate! If you make 12 debit card purchases, enroll in eStatements and have direct deposit or pay your monthly bills from your MECU account with Bill Pay each month, you can earn 5.00% APY on your Reward Checking balances up to $10,000 dollars.

Max APY: 5.00% Min Deposit: $25.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.20%	0.20%	$0.01	$1,000.00	N/A
.	0.20%	0.20%	$1,000,001.00	$1,000.00	N/A
.	2.95%	3.00%	$1,000.00	$1,000.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.00%	0.00%	$0.00	$500.00	N/A
.	0.20%	0.20%	$500.00	$500.00	N/A
.	0.25%	0.25%	$10,000.00	$500.00	N/A
.	0.30%	0.30%	$25,000.00	$500.00	N/A
.	0.30%	0.30%	$50,000.00	$500.00	N/A
.	0.35%	0.35%	$75,000.00	$500.00	N/A
.	0.40%	0.40%	$100,000.00	$500.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.20%	0.20%	$10,000.00	$25.00	N/A
.	4.89%	5.00%	$0.00	$25.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.00%	0.00%	$0.00	$50,000.00	N/A
.	0.20%	0.20%	$500.00	$50,000.00	N/A
.	0.30%	0.30%	$10,000.00	$50,000.00	N/A
.	0.40%	0.40%	$50,000.00	$50,000.00	N/A
.	0.55%	0.55%	$100,000.00	$50,000.00	N/A
.	0.55%	0.55%	$150,000.00	$50,000.00	N/A
.	0.75%	0.75%	$500,000.00	$50,000.00	N/A
.	0.75%	0.75%	$2,500,000.00	$50,000.00	N/A

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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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'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

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Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

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Address

Zip

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Address

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Tell Us About Yourself

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of MECU Credit Union?

SSN

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Date of Birth

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Housing Payment

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Address

Zip

City

State

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Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

Upload Documents

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

Click or tap here to capture or upload an image or document.

Additional Information

Are you or the joint owner a non-resident alien?*

I/We plan to send or receive electronic transfers (Paypal, Bitcoin, ACH, etc.) of more than $10,000 monthly from the account(s).*

Please select one option from below.*

Send more than $10,000Receive more than $10,000Send and receive more than $10,000

I/We plan to deposit or withdraw cash amounts greater than $10,000 in cash per month.*

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Deposit more than $10,000Withdraw more than $10,000

I/We plan to send or receive wires amounts greater than $10,000 per month.*

Please select one option from below.*

Send more than $10,000Receive more than $10,000Send and receive more than $10,000

Describe how you plan to use the account(s).*

Do you have any beneficiaries?

Yes

Do you have another applicant?

Yes

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Speed up your application process by taking the BACK image of your US driver's license.

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Recommendation for best recognition:

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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:

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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.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

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Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

Additional Information

Are you or the joint owner a non-resident alien?*

I/We plan to send or receive electronic transfers (Paypal, Bitcoin, ACH, etc.) of more than $10,000 monthly from the account(s).*

Please select one option from below.*

Send more than $10,000Receive more than $10,000Send and receive more than $10,000

I/We plan to deposit or withdraw cash amounts greater than $10,000 in cash per month.*

Please select one option from below.*

Deposit more than $10,000Withdraw more than $10,000

I/We plan to send or receive wires amounts greater than $10,000 per month.*

Please select one option from below.*

Send more than $10,000Receive more than $10,000Send and receive more than $10,000

Describe how you plan to use the account(s).*

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About Your Joint Applicant

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of MECU Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Date of Birth

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Housing Payment

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

Upload Documents

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

Click or tap here to capture or upload an image or document.

Additional Information

Are you or the joint owner a non-resident alien?*

I/We plan to send or receive electronic transfers (Paypal, Bitcoin, ACH, etc.) of more than $10,000 monthly from the account(s).*

Please select one option from below.*

Send more than $10,000Receive more than $10,000Send and receive more than $10,000

I/We plan to deposit or withdraw cash amounts greater than $10,000 in cash per month.*

Please select one option from below.*

Deposit more than $10,000Withdraw more than $10,000

I/We plan to send or receive wires amounts greater than $10,000 per month.*

Please select one option from below.*

Send more than $10,000Receive more than $10,000Send and receive more than $10,000

Describe how you plan to use the account(s).*

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Tell us about your beneficiaries

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.

You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

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