Phone Banking (PAT)

The Personal Automated Teller (PAT) provides 24/7 access to your credit union account via your phone.

Call PAT To Work With:

Deposit Accounts
Loan Accounts
Share Draft Accounts
Transaction histories
Transfer funds between accounts
Make loan and VISA payments


Please call 906.482.5005 or stop in to sign up for PAT access. Your user ID is your member account number. Your initial password is the last four digits of your social security number. During your sign-up, you will be prompted to change your personal identification code (PIC).

PAT Line: (877) 482-5005

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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.