Don’t Fall for These Social Security Myths

Because Social Security is complicated, many people end up believing myths about it. And this makes it less likely that they will make the decisions that are right for them.

When you plan your own retirement, avoid these Social Security myths:

Latest MCFCU NewsFlash available!

Stay up to date with current news and information from Madison County Federal Credit Union. Each edition of our Newsflash features member tips and insights, monthly specials and important news on banking. Download the latest issue now!


Friends & Family Specials Are Back!

At MCFCU, we believe that one of the most important things in life is showing your friends and family how much they mean to you. Last year as a show of our appreciation for you, we introduced two, limited-time friends & family specials.

You liked them so much that we have brought them back!




Use the Web to Compare the Vehicles You’re Considering

  • Check your choices– and get you started with side-by-side comparisons of cars on your list.
  • Inspect safety records– (National Highway Traffic Safety Administration) gives crash test results; find more detail at (Insurance Institute for Highway Safety).
  • Find the real price– and let you know the price and any manufacturer price incentive for the cars on your list.
  • Find the best financing–Use your credit union’s website to check auto loan rates and apply for a loan; when you shop with the equivalent of cash you’ll be in a better bargaining position.

Take Steps to Refinance Your Mortgage

Low mortgage rates and revived home prices make this a smart time for qualified home owners to refinance mortgages. The key word is “qualified.”

Many homeowners stayed on the sidelines in recent refi rounds as they learned—or believed—they could not meet a lender’s loan requirements. But you should not assume you still are out of the running for a better mortgage rate. Call or drop in to see a Madison County Federal Credit Union home loan specialist and sort through your options.

Here are ways we can help you decide if this is a smart time for you to refinance:


membership eligibility…

Membership in Madison County Federal Credit Union is now easier than ever! If you live, work, attend school, worship, or volunteer in Madison County you meet our new eligibility requirements. Our new, less restrictive Field of Membership allows us to offer the benefits of credit union membership to all of our friends and neighbors in Madison County