Routing Number: 271291460 (219) 874-6943 - Michigan City, IN (219) 762-6228 - Portage, IN    

Community-Wide FREE Shred Day: June 22, 2024


MACU’s FREE Shred Day is on the books for Saturday, June 22. Shredding sensitive documents helps prevent identity theft. Do your part to protect your identity by bringing your documents to the Ohio Street branch on June 22 to be professionally disposed of.

Shredding is easy with MACU. Simply pull up to the shred truck, and MACU team members will be available to take your documents to the shredder. Shred Day is open to the community.

We partnered with Salvation Army, and they will be collecting nonperishable goods for our community. 

Frequently Asked Questions Regarding Your New Visa Card

Notification of payees:

Should I notify companies that I am set up to pay automatically with my existing VISA and have a new card number?

YES. You will need to notify companies that you are currently paying automatically with your VISA and that you have a new card number so that they can update their records.


How to make a Payment:

Will I still be able to make my VISA payment at the branch? 

Here are two payment options for making a payment on your new VISA Card:

1. You will be able to send your payment to the address below:

        Cardmember Service

        PO Box 790408

        St. Louis, MO 63179-0408

2. Go to the MACU website (, go under Products and Services, then Credit Cards, and make a credit card payment. You can make payments once you add the routing number and account number you wish the Visa payment to come from. 


Card Usage:

How soon can I start using my new card that was recently mailed to me?

Once you activate your new card, you may use it immediately. Please destroy your old card once you have registered your new Visa Card. Your old card will no longer work as of 2/22/24.


I never received my new Visa Card:

What should I do if I still need to receive my new Visa Card?

Call Cardmember Service 24/7 at 1-800-558-3424 and request a replacement card.






Apply Now To Be A Volunteer On MACU's Supervisory Committee



If you have ever wanted to learn more about the operations of a credit union, consider volunteering as a Supervisory Committee member. The primary role of the Supervisory Committee is to coordinate the hiring of the external auditing company and report the findings of the audit. Additional responsibilities of the Supervisory Committee are to meet at least quarterly to discuss the committee’s audit findings of special audit projects that have been performed by committee members. Time requirements are only approximately 2-3 hours a month. The Supervisory Committee is always looking for volunteers who are passionate about the success of their credit union. The Supervisory Committee is accepting applications for this volunteer position. 

If you have additional questions about becoming a Supervisory Committee volunteer, please contact us at (219) 874-6943 or email the credit union at This email address is being protected from spambots. You need JavaScript enabled to view it..






Protect Yourself From Fraud


Scammers are always changing their methods to gain unauthorized access to your personal data. Safeguarding yourself by becoming acquainted with these vital guidelines and reminding watchful for any unusual account activities. 


Fraud Tips: 

- Do not share your one-time passcodes, PINs, passwords, or debit and credit card numbers. 

- Review your monthly statements for anything that isn't normal.

- MACU will NEVER contact you to ask for your personal information by email, text, or an unsolicited call. 

- Do not open any emails from people you do not know or click on the link within the message. 

- Use account alerts to stay on top of your account activity.

- Use caution with pop-up windows. If prompted, do not enter personal information or call an unverified number.

- Consider signing up for IDProtect through MACU. 


For additional tips and resources on protecting you and your family from identity theft and fraud, visit our partner, GreenPath, or call us for more information. 


Please contact us immediately at 219-874-6943 if you think or know you've been a victim of fraud. 








Identity Theft & Fraud: How to Protect Yourself

 In today's hyper-connected world, safeguarding your online identity is paramount. Join us for an insightful recorded webinar hosted by GreenPath Financial Wellness. They will delve into the essentials of identity theft and online fraud, illuminate common scams to watch out for, and equip you with strategies to fortify your digital defenses.


Common Questions on Debt Management Plans

When it comes to Debt Management Plans (DMPs) there can be a lot of unknowns—how they are set up, what the process looks like on our side, and the ways debt management can impact your overall financial picture. We’re wholehearted believers that educating yourself is the first step towards building healthy money habits, so we’ve rounded up several questions that our counselors hear most often.


Common Questions on Debt Management Plans

Switch to Kasasa

Make the switch to financial freedom today! Experience the ease and rewards of our free Kasasa Checking account. Say goodbye to monthly fees and hello to a brighter financial future. Join us now and enjoy banking that works for you.

Call or stop by any branch to learn more!


4 Steps to Take with Your Student Loans

Borrowers should be ready to make student loan payments. Here are steps to move forward as protections end.


Download 4 Steps to Take with Your Student Loans PDF



ATM's and Branches Wherever You Go With College Banking


Are you ready to embark on your college journey? MACU is here to support you every step of the way with our exclusive College Banking and Shared Branching services.

Get Smart About Your Finances: As a college student, you need a banking partner that understands your unique needs. With MACU's College Banking, you'll enjoy no monthly service charges, convenient online and mobile banking access, and access to thousands of surcharge-free ATMs nationwide. It's time to take control of your financial future.

Connect Anywhere: Our Shared Branching network ensures that no matter where your studies take you, you'll have convenient access to your accounts. With over 5,000 shared branches nationwide, you can make deposits, withdrawals, and more, just as if you were at your local MACU branch.

Your Campus, Your Branch: Discover the freedom of banking wherever you go. MACU's College Banking and Shared Branching services provide the flexibility and convenience you need to manage your finances, so you can focus on what matters most: your education.

Join us today and experience the MACU difference. Contact us to learn more about our College Banking and Shared Branching services. Let us be your trusted financial companion throughout your college years and beyond.


Shared Branching

College Banking



Unlocking Financial Growth: The Benefits of a Certificate of Deposit (CD)


As a Members Advantage Credit Union (MACU) member, you can access various financial products designed to help you achieve your goals and secure your financial future. One product that deserves your attention is the Certificate of Deposit (CD). We will explore the numerous benefits of investing in a CD and how it can be a valuable addition to your financial strategy. So let's dive in and discover why having a CD is a smart move for our members. 


Guaranteed Returns: 

When you open a CD, you can enjoy peace of mind with guaranteed returns. Unlike other investment options, CDs offer a fixed interest rate that remains consistent throughout the term of your investment. Regardless of market fluctuations, your money is safe and will continue growing steadily.   

Frank, President of MACU: "A CD provides our members a secure and reliable way to grow their savings. With guaranteed returns, it's a valuable tool for achieving financial stability." 


Higher Interest Rates: 

Compared to traditional savings accounts, CDs often offer higher interest rates. This means that your money can grow faster, allowing you to maximize your savings. At MACU, we strive to provide our members with competitive rates, and our CD options are designed to help you make the most of your hard-earned money. 


Diverse Term Options: 

MACU offers a variety of CD terms to suit your financial goals and preferences. Whether you are looking for a short-term investment or a longer-term commitment, we have options that cater to your needs.  


Flexibility and Convenience: 

At MACU, we understand the importance of flexibility and convenience in managing your finances. Our CDs offer options such as automatic renewal, allowing you to roll over your investment when the term ends seamlessly. You can also opt for interest payments at regular intervals or let the interest compound, increasing your overall returns. 


NCUA Insurance: 

The National Credit Union Administration (NCUA) insures all MACU CDs up to the maximum amount allowed by law. This means that your investment is protected, providing an added layer of security for your financial future.


As a member of MACU, you have access to a powerful financial tool – the Certificate of Deposit (CD). By investing in a CD, you can enjoy guaranteed returns, higher interest rates, and the flexibility to tailor your investment to your needs. Take advantage of the diverse term options and the peace of mind with NCUA insurance. Start growing your savings with MACU today and unlock the benefits of a CD. 

Remember, as Frank, the President of MACU, emphasizes, "A CD is a valuable tool for our members to secure their financial future and achieve their goals. We are committed to providing products that support their financial growth." 

So, why wait? Please speak to our knowledgeable team or visit our website to explore our CD options and start your journey toward financial success. 


Disclaimer: This blog is for informational purposes only and should not be considered financial advice. Please consult with a qualified financial advisor before making any investment decisions.