Direct Deposit

Direct Deposit conveniently places your paycheck directly into your credit union checking account. Ask your employer for more information on setting this up.

If you receive Social Security or Unemployment you can sign up for direct deposit on their websites.  You can also receive tax refunds via ACH by including your account number and our routing number on your 1040.


How to format your account number for Direct Deposit or ACH (electronic transactions):

   Savings or Checking: You can simply use your member number and indicate whether the account is savings or checking. You can also use the number at the bottom of your checks; use only the last 10 digits which is your member account number.

Example: 1990001234567 where the account number to be used is 0001234567.

   Loan: Specify that it is a loan when sending and use your 10 digit member number.

Example: 299990001234567 where the account number to be used is 0001234567.


Our routing number (291172682) and your properly formatted account number are printed on the bottom of your checks. If you have any questions or you are having a hard time locating your member number or share/loan ID, please call member services at 906.482.5005.


Are you looking to transfer money to another financial institution or pay your bills online?  If so, check out our ACH Transfers or Online Bill Pay services.

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Current Rates
Vehicle Loans APR*
New Auto - 1.99%
Used Auto - 2.99%
New Recreational - 1.99%
Used Recreational -3.49%
Home Equity Loan APR*
60 Month - 4.75%
84 Month - 5.00%
120 Month - 5.50%
Share Certificates APY*
6 Month - 0.45%
12 Month - 0.60%
24 Month - 0.90%
*Rates listed represent our best rate and is based on credit history. Rates are subject to change. Contact MTEFCU for details.