Becoming a member of Memphis Municipal Employees Federal Credit Union is easy! 
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Requirements for membership:

• A valid state issued ID or Driver's License or U.S. Passport
• A Social Security Card
• ​Employment by one of our employment sponsors or a Christian of any denomination
• Eligibility through sponsor employment requires a deposit a minimum of $14.00 which includes a non-refundable membership fee of $9.00 and a minimum deposit of $5.00.  (This will allow you to open a share savings account.)
• Eligibility through Christian affiliation requires a minimum deposit of $30.00.  This includes a non-refundable Christian Benevolent fee of $16.00, a membership fee of $9.00,and a minimum deposit of $5.00. 

To open a checking account, the required deposit is a minimum of $100.00. There is no requirement to have a checking account in order to become a member, only a share savings account.

If you are eligible for membership in this credit union, so are the members of your immediate family.
​Family is defined as spouse, children, parents, grandparents, grandchildren, brothers and sisters. Once you and your family member join the credit union and maintain your regular share account, your membership is for a lifetime. ​

​Employees of these organizations are eligible for membership:

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City of Memphis
NIDEC Motor Corporation
Memphis-Shelby County Airport Authority 
Regional One Health
Memphis Housing Authority
Hi-Speed Electrical
Family Home Health Agency 
Shelby County Government

As a welcome to our new members, we're offering a 
​one-time

New Member Loan!

• No credit check required
• Maximum loan of $500 with 18.0% APR
• Biweeky payments of $50 per payday
• Must open a share and share draft account
• Must have direct deposit and no current bankruptcies
• Must be employed for a minimum of 120 days

PRINTED MEMBER APPLICATION

Online Member Application