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The Difference is Ownership. Welcome to Your Community Credit Union What is a Credit Union? Credit unions are not-for-profit community based financial co-operatives. Owned and controlled by their members who are also shareholders.

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what is a credit union
What is a Credit Union?
  • Credit unions are not-for-profit community based financial co-operatives. Owned and controlled by their members who are also shareholders.
  • Deposits in the credit union represents the member’s ownership in the credit union. Every member is an owner with an equal vote in the election of the credit union's board of directors.
what is a credit union3
The CU Philosophy - “People Helping People”

Credit unions exist only to serve their member-owners.

Credit unions support social and community programs to help improve the quality of life for everyone.

Surveys show that members are more satisfied with service they receive from their credit union than with a bank or other financial institution.

What is a Credit Union?
what is a credit union4
What is a Credit Union

How Do Credit Unions Differ From Banks?

introduction to mscu
Introduction to MSCU
  • Mutual Security Credit Union “MSCU”, was established in 1954, originally serving the financial needs of the employees of The Perkin-Elmer Corporation. MSCU has grown to now serve over 22,000 members from more than 80 companies and the community. MSCU now operates 4 public access branch offices and 8 other offices within sponsor facilities.
full service financial institution
Full-Service Financial Institution
  • Mutual Security Credit Union is a full service financial institution offering an array of financial products from savings and checking accounts to consumer loans and mortgages to ATM/Visa Check cards and electronic home banking and bill payer.
deposit insurance
Deposit Insurance
  • MSCU accounts are federally insured up to $100,000 by the National Credit Union Administration (NCUA), a US government agency.
  • IRAs are insured separately up to $100,000 by the NCUA.
why join your credit union
Why Join Your Credit Union?
  • Highly competitive rates on loans, savings, IRAs & CDs.
  • Full service banking including:


        • Checking
        • Home Banking
        • Bill-Pay
        • eStatements
        • ATM
        • Check Cards
  • Federally Insured
member qualifications
Member Qualifications
  • All who live, work, worship or attend school in the Fairfield and Litchfield counties are eligible for membership.
lifetime membership
Lifetime Membership
  • Once a member, always a member.
  • Members can retain their accounts regardless of whether they change employers, retire, or relocate.
mscu products
MSCU Products

Savings & Investments

  • Savings Accounts
  • Money Market Accounts
  • Share Certificates
  • Individual Retirement Accounts
    • Roth IRA
    • Traditional Roth IRA
    • Education IRA
  • Vacation Club
  • Holiday Club
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MSCU Products

Mutual Security Credit Union provides its members

with a selection of different checking accounts

which all feature:

  • No per-check charges
  • First 50 checks are free
  • ATM/Visa Check card access for withdrawals and point-of-sale purchases.
  • Overdraft protection line-of-credit is available upon loan approval.

Checking Overview

mscu products13
Advantage Checking

No monthly service fee

No minimum balance requirement

Preferred Checking

Earns dividends

$1,000 minimum balance required to earn dividends.

$3 monthly fee if balance falls below $500

Monthly fee waived if a Money Market Account is maintained

MSCU Products


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MSCU Products


VISA Check Card

  • Purchases
  • ATM Cash Withdrawals
  • “Cash back” with point-of-sale purchases / easy way to avoid ATM surcharge
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MSCU Products
  • Rates as low as 8.9% for VISA Classic
  • Rates as low as 7.9% for VISA Gold 
  • Rates as low as 7.5% for VISA Platinum
  • No annual fee
  • 25 day grace period
  • No fees for transfer balances or cash advances

VISA Credit Cards Overview

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MSCU Products

VISA Credit Cards

  • VISA Classic credit limits of up to $4,999
  • VISA Gold credit limits from $5,000 to $15,000
  • VISA Platinum credit limit from $15,000 to $25,000

Visa Gold members also receive the following benefits at no additional cost:

    • ScoreCard Bonus Point Program
    • Auto Rental Collision Coverage
    • Warranty Manager
    • Travel & Emergency Assistance
    • Travel Accident insurance of $500,000

Visa Platinum members also receive the following benefits:

    • CashBack Program
    • Auto Rental Collision Coverage
    • Warranty Manager
    • Travel & Emergency Services
    • Travel Accident insurance of $1,000,000
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MSCU Products
  • Up to 125% financing
  • Fast loan approval, 10-second approval online
  • For New Autos, choose from a 24, 36, 48, 60 or 72 month loan term.
  • For Pre-owned Autos, choose from a 24, 36 or 60 month loan term.
  • Driving Sense, the lease alternative
  • Refinancing of loans from other financial institutions or dealerships is available on new cars as well as on models up to 3 years old

Auto Loans

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MSCU Products


Mutual Security Credit Union offers over 40 home mortgage

programs with great low rates.

  • First Mortgage
    • Application fee rebate
    • Low closing costs
  • Home Equity Credit Line
    • No Application Fee
    • No Annual Fee
    • Free Closing Costs for property in CT
    • Free Checks to conveniently access your line of credit
  • Home Equity Fixed Rate Loans
    • Borrow up to $200,000 with terms from 5 to 15 years.
  • Bridge Loan
    • Short term loan for interim financing while your “house for sale” is under contract.
    • Borrow up to $200,000 for one year.
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MSCU Products

Other Loans

  • Cash Plus Credit Line
    • Immediate access to a line of credit to be used at your discretion.
    • Saves you the cost, hassle, and embarrassment of bounced checks.
  • Computer Loans
    • Borrow up to $3,500 at a low rate of 4.5%. Take up to 2 years to repay the loan.
    • Provide the Credit Union with a copy of the computer sales receipt or purchase order to get the low rate.
  • Secured Loans
    • For a Savings or Certificate Secured Loan, borrow up to $100,000 for up to 5 years.
    • For a Stock Secured Loan, borrow 50% of the stock's value up to a maximum of $20,000 with a repayment term of 5 years.
    • Auto Secured Loans. Borrow up to 95% of the N.A.D.A. Retail Value of your vehicle with a repayment term of up to 4 years.
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MSCU Products

Electronic Services

  • Mutual Security Credit Union gives you the freedom to choose when and how you do business with us. You can visit us in person, or conduct your business from the comfort of your home or office.
  • The Website
    • The MSCU website is ready to serve you 24-hours a day. Just log onto to and you can gather information, check your account, apply for a loan, reorder checks, get credit card balances and more.
  • Webline
    • Webline puts your accounts at your fingertips. Webline provides you with the ability to perform multiple transactions through your computer.
  • Cashline
    • With CashLine, your nearest Credit Union branch is as close as the nearest telephone. Cashline allows you to do your banking any time of the day or night.
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MSCU Products
  • Commercial Money Orders
  • Money Orders
  • Notary Republic
  • Travelers Cheques
  • Wire Transfers
  • Western Union
  • Auto Cost Guides On-line and in our Branches

Other Services

thank you
Thank You

Thank you for your time and interest in Mutual Security Credit Union.