Credit Unions are organized to serve the financial needs of a specific group of people who share a 'common bond' - such as where they work, live or worship. MECU was organized by and for the group of people who work for the City of Baltimore and their families, and has expanded to include those who live, regularly work, worship or attend school in Baltimore City.

You can also join MECU if you are a relative by blood or marriage to anyone who lives, regularly works, worships or attends school in Baltimore City or if you are a current or former employee of a company or employer, which is a MECU "Select Employee Group". A list of these groups follows:

How to Join

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

It’s easy to join MECU by opening a Share Savings account. Just follow the 3 steps below:

Step 1: Download a copy of the "Account Card" in PDF Format*. (* PDF is a file format for Adobe Acrobat Reader®. If you do not have Acrobat Reader, please download from Adobe®.)

Step 2: Print the account card and complete it in its entirety.

Step 3: Be sure to sign the Account Card, enclose a check for at least $5.00 made payable to Municipal Employees Credit Union of Baltimore, Inc., and mail to:

Municipal Employees Credit Union of Baltimore, Inc.
Attn: Operations
7 East Redwood Street
Baltimore MD 21202-1106

Once you are a member, we suggest that you apply for the following services because they’ll give you the most convenient access to your credit union accounts and information:

Account Ownership

There are different types of account ownership:

The Share Savings account is a high yielding statement savings account and the key to credit union membership. Once you open your Share account, you are eligible to apply for other credit union services.

A single party base share account is an account owned by one member who is qualified for credit union membership. If the account owner dies, the interest passes, subject to applicable law, to the decedent's estate or Payable on Death (POD) payee.

A Joint account is subject to you and the joint owner(s) named, with the balance at the death of any party payable to the survivor(s). Any joint owner may draw on the funds in the account. The joint owner(s) is beneficiary of life savings insurance, if any.

A person designated as a joint owner on an account does not automatically become a MECU member. To join MECU, the person would need to open a Share account too.

Since minors cannot enter into contracts, it is not advisable for an adult to name a child as joint owner in case the member wanted to pledge shares for a Share Collateral loan. To remove a joint owner from your account, you must have the joint owner's permission or you must close the account and reopen it.

MECU Membership for Minors

It's never too early to teach children the value of saving regularly. You may establish a MECU membership for a minor child who is eligible for membership by opening a Share Savings account. You need to have the child's Social Security number in order to complete the membership materials.

If you want to provide for a child's future, such as savings for education, or as a bequest, a special Share account may be established under the Uniform Transfers to Minor Act. The adult member is custodian of the account until the child reaches the age of majority at which time ownership of the account transfers to the child.

You may remain a MECU member for your lifetime through our "once a member... always a member" benefit provided that you keep your Share account open and remain a member in good standing.

It is important to keep your Share Savings membership card up to date. MECU is required by law to go by joint owner(s) or POD payee(s) on the membership card with regard to any life savings insurance benefits which may be payable.

Notify MECU when you change addresses by filling out a "Request to Change Form". If you change your name, you also need to complete a "Request to Change Form" and provide a copy of documentation with your new name such as marriage or divorce papers, Social Security card or driver's license, etc. When transacting business with MECU, personal identification is frequently required for your protection and privacy. To avoid inconvenience, it's important that your identification and account records match.