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Stay Connected with Madison County Federal Credit Union’s Digital Tools!


At MCFCU, we’re committed to making banking as easy and convenient as possible for our members. That is why we offer a variety of digital tools designed to help you manage your finances anytime, anywhere. Whether you’re looking to check your balance, pay bills, deposit checks, or even shop for your next car, we’ve got you covered! 

Here are some of the tools you can start using today!

Online Banking
Manage your accounts, check balances, and transfer funds 24/7 from any device.

Mobile Banking App
Access your accounts online, make mobile deposits, and stay updated with real-time account information.

eStatements
Receive your statements electronically and access them anytime.

Bill Pay
Pay your bills securely online, schedule payments in advance, and set up recurring payments.

Mobile Check Deposit
Deposit checks using your smartphone by taking a picture of the check through the MCFCU mobile app.

Debit Card Management
Control your MCFCU debit card, monitor activity, and set spending limits directly from the mobile app.

Loan Application Portal
Apply for personal, auto, and mortgage loans online with ease and check your loan status.

MCFCU Alerts
Set up text or email notifications for account activity, including low-balance alerts, deposits, and more.

A Fresh Approach

The No Nonsense Banking Alternative

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Latest Member Newsflash Now Available

Stay up on all the latest news from Madison County Federal Credit Union from specials to important member information.

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Building an Emergency Fund: Simple Steps to Financial Security

An emergency fund is essential for financial security, helping you manage unexpected expenses without stress. Here’s a condensed guide to starting and growing your emergency savings:

Start Small with Savings:
If you’re struggling with debt, start your emergency fund by saving one month’s living expenses while paying the minimum on your credit cards. Focus next on paying off credit card debt, then return to enhancing your emergency fund. If debts are too high, alternate monthly between saving and debt repayment.

Adopt Lifelong Savings Habits:
• Treat Savings Like a Bill: Set a small, manageable amount to save regularly, such as $75, $50, $25, or even $10. Increase this as your finances improve.
• Live One Raise Behind: Use any salary increases to bolster your emergency fund instead of increasing spending.
• Automate Savings: Set up automatic transfers to your emergency fund, making saving effortless and consistent.
• Boost Savings with a Garage Sale: Clear out unused items and host a garage sale to add to your savings.
• Visualize as a Life Jacket: Consider how you would manage financially if you lost your job tomorrow to motivate saving.

Support is Available
For further assistance in setting up savings plans that suit your needs,
contact your local team at Madison County Federal Credit Union.