MCU is a community credit union that offers the best deposit and lending services. We have branch locations in Millbury, Auburn, Worcester and S. Grafton. If you or an immediate family member live or work in Worcester County, it's easy to join MCU. Just open a deposit account for $5 or more...and you're a member! Our Main Office in Millbury offers personal and business deposit products, auto loans, mortgages, home equity loans, commercial lending and more. For your convenience we have two drive-through lanes that open at 7:30 am Monday through Friday, as well as a 24 hour ATM.

MCU began in 1934 with 20 members and $100 in assets.  Thanks to the loyalty of our members, MCU has grown to a membership of 33,000 with assets exceeding $289 million. We have five branches located in Millbury, Auburn, Worcester, and S. Grafton, as well as a stand-alone ATM in Sutton. We are committed to offering our members quality products and services to meet all of their financial needs including:

•   Personal Checking:  No minimum deposit and unlimited checking writing.  In addition, you get 24/7 account access using Mobile Banking, Internet Banking, Bill Pay, and eStatements.

•   Deposit Accounts:  From our basic savings to money market accounts, certificates, and IRAs, we offer competitive interest rates and terms to meet all of your short term and long term goals.

•   Auto Loans:  MCU offers new and used vehicle financing with competitive interest rates and terms up to 72 months.  100% financing is also available for qualified borrowers. Auto loans are available for purchases as well as to refinance your existing auto loan.  You can even cash out if you own your vehicle out right.  Our application process is quick and easy, and pre-approvals are available to assist your with the negotiation process.

•   Mortgages:  With fixed and adjustable-rate mortgages, and terms up to 40 years, MCU offers a variety of lending options for your new purchase or to refinance your existing mortgage.

•   Student Loans: MCU’s Student Choice loan is a cost-effective way to fill funding gaps.  We have zero origination fees, competitive rates, a convenient line-of-credit structure, and more flexible repayment terms than many other lenders.

•   Safe Deposit Box Rental: MCU’s safe deposit boxes offer a secure place to store important articles that would be difficult or impossible to replace, and are provided in a variety of sizes for a low, annual fee.

•   Electronic Banking Services:  Managing your accounts 24 hours a day, 7 days a week is easy and convenient using our many electronic banking tools including Mobile Banking,  Internet Banking, Bill Pay, eStatements, Telephone Teller, and MCU’s debit card.  

•   Free Business Checking:  Unlimited check writing, unlimited deposits, no minimum deposit required and no monthly fees.

•   Credit Cards:  Whether you are looking for a low interest rate card or a card that will earn you valuable rewards, we offer several options for consumers and businesses.

•   Small Business & Commercial Lending:   MCU offers low-cost small business and commercial services to corporations, partnerships, or sole proprietors.  Financing programs are available to support construction of single-family subdivisions as well as the construction of condominium projects, office, apartment and industrial buildings. Term Financing for machinery and equipment, is also available, as well as Secured Lines of Credit to support working capital needs.