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inside mccu

routing number

Michigan Coastal Credit Union's routing number is: 272483277

NMLS number

Michigan Coastal Credit Union's NMLS Number is: # 812035


partner links

other info

Our ATM is Now Up and Running

Home Depot Data Breach

On September 8, 2014, Home Depot confirmed a data breach indicating unauthorized access to card information potentially impacting customers who shopped at their U.S. and Canadian stores since April 2014. At this time, there is no evidence that the breach 1) impacted customers who shopped online at and 2) compromised debit PIN numbers.

As of September 10, 2014, Michigan Coastal CU has not received a list of potentially affected card numbers. If you are an infrequent Home Depot shopper, please continue to monitor your accounts daily and inform us of any suspicious card activity. If you are a frequent Home Depot shopper and would feel more comfortable cancelling your current debit card and receiving a new one, please contact us at 888.853.6633 or visit any one of our branches for assistance.

Michigan Coastal CU does monitor your card activity with our fraud monitoring system. In breach situations, our scoring system is enhanced to quickly take action to contact you regarding questionable transactions and potentially freezing your card until you confirm whether the transactions are fraudulent. This system will never ask for your card number or your PIN number. Should you receive an automated call, please follow all prompts to either deny or confirm fraudulent transactions. The policy of our payment card brand Visa provide that you have zero liability for any unauthorized charges if you report them in a timely manner.

Home Depot has posted more information about the breach on their website, including the offer of identity protection services that you can view here.

Save with Skip-A-Pay!

Members who have good standing loans with the Credit Union may qualify for MCCU's Skip-A-Pay option. This is offered as a thank you to you for being an outstanding member. This program allows you to skip one month's payment and keep the extra cash. For a small fee of $25, members can relieve some financial stress by deferring their loan payment to the end of the loan term.

Click here to download the Skip-A-Pay form.

*Mortgage and Visa loans do not qualify.

Regulation E

Of equal importance to credit unions is the change in cardholder liability. The revised rule eliminates the current MasterCard $50 liability limitation that applies if the conditions for zero liability are not met. Under the revised rule, if the conditions for zero liability are not met (not reporting the loss promptly) the Regulation E limitation will apply. Under Regulation E, the cardholder could have up to $500 liability if the loss is not reported within two days of discovery, or unlimited liability of the unauthorized transaction if not reported within 60 days of when the unauthorized transaction was reported on a period statement, thus eliminating the $50 cap.

Before you shop for your new vehicle, motorcycle, RV or Boat - remember to get pre-approved by your Credit Union - It's easy - apply online - by phone or in person. We have low competitive rates!

It is simple, convenient AND perfect…

It’s a Visa Gift Card

With a Visa Gift Card, you choose the amount you want to give and they choose what they want to buy. From teachers, coaches and coworkers to friends, family and neighbors, a Visa Gift Card from Michigan Coastal Credit Union is sure to please. Stop by the Credit Union and stock up on Visa Gift Cards today.

Mobile Web Banking through ***It’s Me 247***

Your credit union in your pocket!

Shared Branches

Did you know you have access to your account at over 75 credit unions throughout Michigan? It's true. Thanks to our partnership with Xtend, you can make a deposit in Alpena or a withdrawal in Michigan City. Wherever you need us, Michigan Coastal has you covered.

Visit the Xtend website for a full listing of participating credit unions.

The Michigan Coastal Credit Union main location.

Mission Statement

Michigan Coastal Credit Union is a member-owned and operated credit union providing personalized low cost products and services to our members while maintaining financial stability and seeking growth opportunities.