UPDATE AS OF 5/1/20: 

Governor Holcomb has reduced some restrictions effective 5/4/2020. However, the Michigan City restrictions have not yet been lifted by Mayor Perry. Therefore, lobbies are still currently closed. However, MACU's drive throughs remain open to serve our members' needs. We would continue to ask members to utilize our other electronic delivery systems (i.e. ATMs, Mobile Banking, Online Banking, Night Depository, etc.) as much as possible; however, should you need to see a Member Service Representative, we ask that you call to schedule an appointment. The Portage branch will follow suite with Michigan City. Thank you for your patience and for being a valued member of our credit union.

UPDATE AS OF 3/19/20
The safety of our members, our community, and employees is our number one priority. We are continuing to monitor the situation closely and will keep you apprised of any developments that affect MACU.

  • DRIVE UPS: All drive ups are open and operating normal business hours
  • LOBBIES: Lobbies will be open by appointment only. Please call if you need assistance
  • ONLINE BANKING: Manage your accounts, transfer money, and pay bills. Enroll Today
  • MACU APP: Manage accounts, pay bills, transfer money, etc. Search MACU Mobile in the app store.
  • TELEPHONE BANKING: Check balances or transfer money. Call (219) 874-6943 or (877) 874-6943, ext. 2.
  • CALL: Call your local branch with any questions or transactions. Most things can be handled right over the phone. 
  • ATMs: Access your money at nearly 5,000 fee-free Alliance One ATMs
  • LOANS: Apply online or over the phone for a loan. 

We understand that many of our members and friends in the community are having their financial situations negatively impacted by escalating concerns over the COVID-19 virus.

Reduction of staffing and hours may quickly take a financial toll on many of our members' finances. As a result, we'd like to do what we can to help lessen the financial burden in any way possible:

  • CD PENALTIES WAIVED: We are waiving CD penalties if any member needs access to their money.
  • LOAN DEFERMENTS: Deferments are available on most loan types. If you are experiencing a financial hardship, talk to us, and we will see how we can help by deferring the monthly loan payment.
  • CHRISTMAS CLUB ACCOUNT PENALTIES WAIVED: We will waive penalties for withdrawing from Christmas Club accounts.
  • OVERDRAFT PROTECTION: MACU checking accounts with ODP are able to take advances not to exceed their $750 limit.
  • DEBT CANCELLATION PRODUCTS: If a member has purchased one of our debt cancellation products for a loan and needs help making a claim, please call for assistance.
  • LOANS: Apply for a loan online or over the phone.
  • ATMs: Daily withdraw limits will be increased to $500, effective Friday at 5 p.m.

If there is any other way we can help you, please reach out. Please know we will do what we can to help you during this difficult time.

Michigan City: (219) 874-6943 | Portage: (219) 762-6228

Accessing MACU services during the Coronavirus health crisis

Coronavirus Update

During this uncertain time, we remain committed to providing you excellent service. We have several ways to do that!

  • For the time being our lobby is open, but that can change. We will keep members posted.
  • Please call ahead if you think you need to see an MSR. A lot of requests can be handled over the phone.
  • If you have come to a branch, please use the drive up. Most requests that need to be handled in person can be done through the drive up.

Thank you for your help and cooperation as we work together to protect the health of our members, employees, and their families.

Michigan City: (219) 874-6943
Portage: (219) 762-6228

Annual Meeting Postponed

Due to escalating health concerns regarding the potential spread of the Coronavirus (COVID-19), MACU is postponing the March 28 annual meeting. We will release details for rescheduling as soon as they become available. Thank you for your patience as we work together to keep our families and community safe and healthy.

MACU is going green

MACU is no longer mailing paper notices for transfers, overdraft protection, and nonsufficient funds. Also, beginning February 15, overdraft and NSF fees will be $35 per item. 

MACU is going green


As part of our commitment to the community, we are doing what we can to reduce our footprint. Beginning February 1, 2020, we will no longer be mailing paper notices for transfers, overdraft protection, and nonsufficient funds. In addition, ODP and NSF fees will be updated to $35 per item.

MACU Scholarships

College is expensive, and it can be overwhelming trying to pay for it. That’s why we developed our MACU scholarship program.


  • The Leona Bruno Scholarship, named for MACU's first manager, provides a high school senior with $1,000 for college. The winner is chosen based on scholastic achievement, integrity, service to their school, and service to their community.
  • The Gail Walker Memorial Scholarship, named for a long-serving board member, awards $1,000 to a high school senior who has demonstrated service to the community, job experience, and a GPA between 2.5 and 3.5.

The deadline to apply is February 26. 


New You, New Finances

8 great ways to start the year off right

Every year, most of us make resolutions to get fit in January. In fact, most gyms are packed in January with people that are ready to change their diet and fitness. However, those resolutions tend to get set aside when the hecticness of life sets in.

Great Car Insurance Rates through Liberty Mutual

Car insurance is as close as MACU! You could save hundreds with our partner Liberty Mutual with special rates as MACU members.

As a MACU member, you have access to the TruStage® Auto & Home Insurance Program. That means an opportunity to save money on a policy issued by our partner Liberty Mutual. Your car is a big investment, so make sure it's protected at a great price.

Members Advantage Credit Union spreads the holiday cheer with donations to local non-profits


MACU presents check to Salvation ArmyMembers Advantage Credit Union (MACU) is ending 2019 on a high note by making monetary donations to several local non-profits.

“As a community institution, it’s important that we do our part,” said Frank Beachnau, President of Members Advantage Credit Union. “Being able to care for our community the way we do is one of the things that I love about being part of a credit union, and being able to help during the holidays — a time that is especially hard for many families — makes it even more special.”

MACU has been a longtime supporter of the Michigan City Salvation Army and recently donated $2,000. The money will help further the Salvation Army’s mission in Michigan City, wMACU presents check to NewDayhich includes, among other outreaches, helping feed nearly 800 local families.

Non-profit Steady Stitchers just received a $500 donation from MACU. Steady Stitchers uses donated finances and fabric to create various items for community members, including afghans and hats for preemies, backpacks, hats, scarves, mittens, walker and wheelchair totes, and more.
For the second year, MACU donated $500 to NewDay Foundation. NewDay’s mission is to help cancer patients as they struggle with everyday challenges. Donations are used to create “Bags of Hope” comprised of items that help patients cope during chemotherapy, as well as purchase andMACU presents check to Steady Stitchers distribute coloring books, activity books, etc. to children in the hospital.

Bob Havens, MACU Executive Vice President, said, “As a credit union, we are humbled to be able to help our friends and neighbors in the way we do. Our community has so many worthy organizations, and we are honored to be able to help support the great work they do.” 





Enter to Win a $50 Visa Gift Card

To be automatically entered, make an appointment with mortgage expert Heather Opperman for Mortgage Meet & Greet Day, Nov. 23. Want to double your odds? Attend the meeting and become a MACU member!