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Midwest Members Covid-19 Response

Emergency Relief Available Resources

As your Credit Union, Midwest Members Credit Union continues to monitor the coronavirus pandemic closely and understands the impact the virus has on the current economy and our members monthly financial budget. We want you to understand that your deposits with the credit union are safe and insured. MMCU is committed to our people helping people philosophy and will continue to stand by our members through these unforeseen times.

Access to Your Money

The safest and easiest way to conduct transactions and access your funds 24/7 is through our online banking services. If you don’t currently have access to our online services via mobile phone or home banking, now is a good time to initiate these services via the Midwest Members Credit Union website at or call 618-254-0605 to speak with one of our Financial Service Officers.

Midwest Members Credit Union is currently making preparations to open our branches and move slowly towards getting back to “normal.”  We would like to thank all of our members for working with us during these unprecedented times. In preparation, we are working to ensure that our branches are as safe and healthy of an environment as possible. We are planning a phased in process and will open our branches for appointments beginning Monday June 1, 2020.

All teller transactions will need to continue to be conducted through the drive thru. 

For additional questions or to make an appointment, you may use our contact form, call 618-254-0605 or email support at

We’re Here for You

If you’ve been financially impacted by this pandemic, our staff is prepared to discuss your options and help guide you through these uncertain times. We have the following new offerings to share with you:

  • MMCU Relief Loan - a special signature loan that is available up to $3,000 with a rate of 4.99% APR* and up to a term of 24 months. There also is an option for members to defer payments up to 90 days. *APR=Annual Percentage Rate. Standard membership and underwriting guidelines apply.
  • Extension of first payment due date - is available on all new auto loans and personal loans for 90 days from the date of the advance. (First payment due dates on mortgages, home equity loans, and home equity lines of credit will remain 30 days from the date of the advance.) Interest continues to accrue during the extended payment period.
  • Special Hardship extension - is available on existing eligible loans for the months of April, May, or June 2020. Eligible loans that qualify for the extension are: auto loans, recreational loans, Signature lines of credit, signature loans, Home Equity loans and Mortgages. Please call the credit union at 618-254-0605 or email for more information or to apply for an extension.

Protect Yourself From Cyber Scams

Scammers are taking advantage of fears surrounding the Coronavirus. They’re setting up websites to sell bogus products, and using fake emails, texts, and social media posts as a ruse to take your money and get your personal information. It is important to note that if we reach out to you, we will NEVER ask for confidential information such as your account number, password, personal identification number (PIN) or other account information. You can review the Federal Trade Commission’s advice for consumers at

Remember, MMCU and our staff are here to ensure that we continue to serve our members through these uncertain times. We will be with our members day by day through these trying times and will be available for any questions or concerns that our members may have. Our members may use our contact form, call 618-254-0605 or visit for any assistance with their financial needs.