MCMFCU Home Page

                                                                                 680 Union Street, Hobart, Indiana 46342    

           Officially Chartered in 1960                                      Contact Us at: 800-543-5785      Fax: 219-942-3447                


Attention Credit Union Members

New Website


In January of 2017 we plan to launch our new website. Our team has been working on this renovation for quite some time, and we are excited for our members to interact with our redesigned site. There will be new features on the site alongside all of the current features you are already familiar with.


We hope that you enjoy the new look to our website as much as we do. Feel free to give us your feedback once it launches at (219) 947-1568.

Attention BILL PAY Users

For those enrolled in Bill Pay, there has been an upgrade to provide a more user friendly experience. Also, the Bill Pay product’s name has changed to OneClick. For any questions regarding the upgrade please call the credit union or call OneClick support at 1-800-232-2581.

Do you want to be able to view your Visa statements?
Do you want access to your up to date transaction history?
Do you want to be able to make automatic payments on your Visa?

Visa Online allows you to do all of those things and more. Simply click on the link,

sign up, and enjoy the numerous features Visa Online provides.

Visa Online



NEW 2017 / 2016 / Vehicles
APR on new purchase / refinanced vehicles is based on member credit score as follows:

Free Quotes for Mechanical Breakdown Warranty Protection

1.99% APR (credit scores 700-850) for up to 72 months

2.99% APR (credit scores 660-699) for up to 72 months

3.49% APR (credit scores 620-659) for up to 72 months

3.99% APR (all other scores approved by loan officers)

84 month financing available @ 50 Bp’s higher APR and/or GAP Coverage

Used Vehicle Rates
2015 - 2012 4.99% APR up to 60 Months*
2011 - 2010 5.99% APR up to 48 Months*
2009 - 2007 6.99% APR up to 42 Months
2006 & Older 9.75% APR up to 36 Months

*Internal Debt Refinancing and Buy-downs available.  Some Restrictions Apply*
* Rates Available On New Purchase or Refinance*
*Rates are subject to change *Effective Immediately


Protect Your Investment
Protect Your Family's Financial Future




24-Hour Lending

We're On Call 24 Hours A Day, 7 Days A Week To Meet Your Borrowing Needs!


Trustage Insurance Agency. Car insurance through your credit union? At a great rate? And switching is easy? Yes, yes and yes. Get a quote. 

Credit Union Card Center Now provides 24/7 Call Center Support

We appreciate your support and strive to enhance our products and services so we may serve you better. We are now providing a 24/7 call center to cardholders to meet the demands of your busy schedule. The only holidays not available will be Thanksgiving, Christmas and New Year’s Day. Simply call the 800 number on the back of your Visa Credit Card for live support service

CUSO Mortgage Service

CU Mortgage Service has all of the mortgage loan options you need under one roof. They have been proudly servicing Credit Union members since 1986.  Let CU Mortgage Service put their knowledge towards helping you find the best mortgage solution.  Click on the logo above or here to visit their site.

Belinda Caruso
Mortgage Loan Originator
(219) 743-1065

Michael Nagy

Warning to all Debit Card Users

We have seen an increase in fraudulent debit card transactions. It appears that most of the cardholders who have had their cards compromised live in the same geographic area. However, fraud can spread quickly and so we felt it best to warn all of our members.  Please use the following suggestions to keep your debit card as secure as possible.

  • Never use your PIN number when making purchases. Instead, run the transaction as “credit” and sign for the transaction. After swiping your card, hit “cancel” when the terminal requests your pin number then select “credit”.

  • Never keep your pin number with or near the debit card. If your card is compromised and the pin number is with the card, you will be held liable for all transactions.

  • Look for any parts of the purchase terminals that appear loose or altered. This could indicate the presence of a “skimming” device. “Skimming devices” are used to store the card number, pin number and expiration date of any card that is swiped through that machine. These devices are later removed and the information is used to create fraudulent cards. If you believe that a purchase terminal appears altered, immediately notify a manager of the facility and do not use that terminal.

Smart Option Student Loans


Invite Your Family Members To JOIN OUR FAMILY

You already know what great service Midwest Carpenters & Millwrights F.C.U. provides.  But does your family?  Do they know that they qualify for membership simply because you are a member?  Tell them to stop by our office, visit our website, or call our office and we will provide everything they need to open an account.  Remember, even after 50 years we are still exclusively carpenters, millwrights and their families!!!

We Offer GAP - For the Unexpected

Guaranteed Asset Protection (GAP) is a voluntary program that we offer for your new or used vehicle loan.  This financial protection covers the difference in the balance on a car and its declared value, as determined by your primary insurance carrier, in the event that it is damaged beyond repair or stolen and never recovered.  GAP is a supplemental coverage and does not replace your standard Comprehensive, Collision and Liability coverage's, only enhances them.

No matter how terrific a car is, the minute you drive it out of the show room it is worth less.  Depending on where you live, the established market value could be less than the actual balance you owe on your car.  With GAP, if your car is a loss, the deficiency will be covered.  That includes the difference between your primary carrier's insurance settlement and the payoff of your loan, less delinquent payments, late charges, refundable service warranties, and other insurance related charges.  Included in the GAP payment is your primary insurance deductible, which is covered up to $1,000 if a deficiency exists.  In addition, you are eligible for an additional $1,000 towards the purchase of a replacement vehicle financed through the credit union.

Consider; you buy a car.  The loan balance after one year is $15,000.  The market value is $11,000.  Your insurance deductible is $1,000.  You total the car, and your insurance company pays $10,000.  That leaves a difference of $5,000.  $5,000 you would have to pay for a car that you no longer have!  With GAP, that $5,000 is paid.  Think about it!

When you are applying for your next auto loan, ask about GAP.  If you have any questions, please call (800) 543-5785.  We'll be happy to explain!


Has your credit card company raised your interest rate? Charged you a fee for paying your balance off each month? Charged you a fee for not using the card?

We Don’t!!!

There are NO annual fees, NO monthly fees and for purchases made and paid in full every month, there is NO (0% APY) monthly interest charge. Accounts that carry monthly balances will have an 10.9%APR and members who are eligible and qualify for our VISA GOLD program will have a 9.9%APR and will receive and accumulate Bonus Points good for cash back credit.

Show people and local businesses, who you are, apply for and carry your UNION Visa Credit Card.  Simply go to our Web Application Section, complete the application and forward to the credit union, once approved you can transfer an existing balance from and close another credit card.

VISA Application Form

Credit CARD Act of 2009


The STAR Network Is Available To All Our ATM and Check Card Members Now


As some of you may have read already, you will be seeing a new logo on ATMs across the country.  MAC, STAR, and CASH STATION networks have merged to become simply the STAR network.  As the country's largest PIN secured debit network, the combined companies will provide customers with access to more than 180,000 ATMs and 720,000 retail locations across the USA.


Switch and Save - No Contract Required

For More Information Call 877.818.3656


If you wish to learn more about our sponsor, please click on their website