We'll be there for you - Your Financial Friend

Let Us Be Your Financial Friend!

Refer a new member and you both get $25*!  Members can pick up referral cards at any location. Simply fill it out and hand it to all of your friends that is currently not a member with Members Choice Credit Union!

*See terms and conditions below.

Why should you refer your friends to the credit union?

Credit unions are an important part of our community. The members of your credit union are your friends, family, co-workers and neighbors. They care enough about where they live to invest their money locally by keeping savings accounts and their other banking matters “in the family.”

The strength and stability of a credit union comes from its members. The more members a credit union has, the more value it can provide to the membership as a whole – especially when the members do all or most of their banking with the cooperative that they collectively own. As a credit union grows, it can offer better services at more competitive rates and with fewer or lower fees. That’s the power of community support.

When the credit union grows, the whole community benefits from that growth as well. We’re always looking to offer more and better services to our members. We want to continue to be the financial institution of choice for the community.

As a member, you know the benefits of doing business with the credit union.

That’s why we now offer you $25* for every person you refer who sets up a membership at the credit union.

The program couldn’t be simpler. You send your friend to the credit union in person with your referral card.  Your friends who opens a membership will enjoy free online banking, free bill pay, and all the other perks of our membership. Your friends will thank you every time they experience the exceptional service we’re known for. You’ll thank yourself when your community credit union continues to grow and thrive.

Start spreading the word today!


If you meet any one of the eligibility requirements, you can easily become a member of Members Choice. Have questions? Email us.

Become a Member
  1. Any employee/member of a Very Important Partner
  2. Any immediate family member of an existing Members Choice member
  3. Anyone who lives, works, worships, or goes to school in the FIVCO area.
Membership lasts a lifetime

Once you are a member of Members Choice, you’re always a member — and Members Choice membership will be available to your entire family.

Membership benefits

Members Choice Credit Union benefits include higher interest payments, lower loan rates, and personal service. Best of all, your membership in Members Choice represents a share in ownership. We pride ourselves on serving our members best interests.

Along with all of the great reasons to become a member of our community, we have several extra benefits available.  Listed below are just a few:

  • Members Choice CU Scholarship | Graduating seniors that are members of the credit union are eligible to apply. Learn More on the Scholarship page.
  • Cost Saving Benefits | See our Cost Saving Benefits page to learn more!
  • Membership Discounts | Seasonal Amusement Park tickets available at a discounted price.  View ticket prices here.




Very Important Partnerjoin us

This is about partnership, standing side by side with your business and employees. Financial stress reduces job performance and spill over into every aspect of people’s lives.

If you’re looking for a no-cost way to enhance the benefits you offer to your employees and to improve your bottom line, consider becoming a Very Important Partner (VIP) of Members Choice Credit Union.

  • Payroll Deduction
  • Sponsorship Advocate
  • PR Release
  • New hire packets
  • A partnership with your best interest in mind

Contact our Business Development Manager for more details:

Tiffany Black
PO Box 1468
Ashland, KY 41105

P: 606-326-8000 ext. 277


Visit our Applications page to access Loan, Credit Card  and Employment applications.

*Terms and Conditions Members Choice Credit Union membership required. Must qualify for MCCU membership and membership fee may apply; please call (606-326-8000) or visit to confirm eligibility. Must be 18 years old or older. Must pass Chexsystem. Submit promo card provided during the application process for all new members. If new membership is closed within the first 60 days, $25 will not be awarded. Members Choice Credit Union reserves the right to change or cancel the promotion without notice. Must not have an existing MCCU Checking Account. MCCU employees and officials are not eligible for this offer. We reserve the right to disqualify any referrals in circumstances where we reasonably believe they were not sent to us in good faith. Offer begins February 1, 2018 and will expire on March 31, 2018. Accounts must be opened by March 31, 2018.
Referring Member: $25 or up to $125 will be deposited to your account after the Referee completes the required qualifications. Maximum of 5 qualified referrals for the duration of the promotion. Each referral bonus paid may be reported to the Internal Revenue Service (IRS) on Form 1099. Members Choice Credit Union and its Representatives do not provide tax or legal advice. For such advice, please consult with a qualified professional. Members’ account must be in good standing and did not cause MCCU any losses.
New Member (Referred): To qualify for the $25 new account bonus, you must not be an existing member.  Offer does not apply to second or multiple checking accounts and/or existing checking members. The checking account must remain open and in good standing for 60 days. You are not eligible for this offer if you were a member of Members Choice Credit Union that was closed within the last three (3) months. Accounts are subject to all terms and conditions set forth in the current Account Agreement and Truth-In-Savings Disclosure. See Schedule of Fees. Other conditions may apply.

Discover more of what your Members Choice Credit Union has to offer!

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