Accounts for your every need

MMFCU offers a free checking account with a free debit card

Shares (savings)

The Share (Savings) Account establishes your membership and makes you a part owner of Manchester Municipal Federal Credit Union. You can make deposits through the mail; or by visiting our office!

  • $5.00 minimum to open an account
  • Christmas Clubs and Vacation Clubs with automatic transfer available
  • 52 week challenge: begin to save for the unexpected or that special something! Gradually ease into saving starting with just $1.00 a week
  • Save to win!
    • Open a 12-month Save to Win share certificate with at least $25. Keep making deposits into your share certificate during the 12 months. There will be prizes awarded each month and quarter
  • All funds are federally insured up to $250,000

Share draft (checking)

Our sharedraft accounts offer a wide variety of benefits and NO FEES! Our draft accounts require no monthly minimum balance requirements. A Mastercard® debit card which allows you access to your checking account through thousands of merchants worldwide. It also functions as your ATM card. The credit union has our own ATM Machine available 24 hours a day, 7 day a week in the lobby of the Manchester Police Department. This machine is safe and convenient with no surcharges assessed to any MMFCU member.

  • No monthly fees
  • No minimum balance requirements
  • Direct deposit
  • Automatic transfers
  • Free E-Statements: have your monthly account information delivered safely to your finger tips!
  • Free Home Banking: check your balances and make transfers from home or on your smartphone
  • Free online Bill Pay: easier and safer than mailing your payments. Save on time, stamps, and worry!
  • Free telephone banking: call our VRU anytime day or night
  • Free remote deposit capture: deposit checks remotely with your smart phone
  • Overdraft protection
  • Free ATM network(s): over 30,000 surcharge free ATM's nationwide.
  • Co-op ATM Locator all point ATM Locator

Mobile Deposit Agreement and Disclosure

Certificate accounts

Share Certificates are the perfect way to save your money and earn a higher dividend rate at the same time. Share Certificates can be purchased for 6, 9, 12, 18, 39, 48, or 60 months. Minimum of $1,000. Dividends are calculated monthly and posted to your share savings account on the last day of each month.

Deposit insurance

Deposits at MMFCU are insured by the National Credit Union Share Insurance Fund (NCUSIF) up to a combined total of $250,000.00. This fund is administered by the National Credit Union Association (NCUA), an agent of the Federal Goverment.

Christmas club

Imagine having the money needed for your shopping! Money will be automatically transfered from the club to your share account.

Vacation club

This is the perfect way to take the vacation you dream about all year. Start your vacation club today and enjoy a wonderful vacation. Money will be automatically transfered into your share account.

Deposit rates

Account type Term APR* APY**
Share Accounts - 0.40% 0.40%
Certificate Accounts 6 months - 1.00%
- 9 months - 1.05%
- 12 months - 1.10%
- 18 months - 1.15%
- 36 months - 1.45%
- 48 months - 1.65%
- 60 months - 1.75%