MCU Newsline

Notice of Delayed Opening – Cleburne Drive Thru

Saturday, July 26, 2025 the Cleburne drive-thru will delay opening by one hour due to the  Annual Goatneck Bike Ride. As part of the event, Nolan River Road will be closed for the start of the race. Once the road is back open, we will open the drive-thru at 9:00AM. Our ATM located on N. Main St. is available for withdrawals during this time frame.

Funds Availability Policy Disclosure

CHANGE IN TERMS
Funds Availability Policy Disclosure
Effective 7/01/2025

Due to changes in Federal Regulation CC, the amount of funds that must be made available to you will be changing. Effective 7/1/2025, the following changes will be made to
our Funds Availability Policy.

LONGER DELAYS MAY APPLY – In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after we receive your deposit. Depending on the type of check you deposit, funds may not be available until the second business day after the day of your deposit. The first $275.00 (increase from $225.00) of your deposits, however, may be available on the first business day after the day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will send you the notice by the day after we receive your deposit If you will need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit may be delayed for a longer period under the following circumstances:
• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $6,725.00 (increase from $5,525.00) on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of the reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

SPECIAL RULES FOR NEW ACOUNTS – If you are a new member, the following special rules will apply during the first 30 days your account is open.

Funds from electronic deposits to your account will be available on the day we receive the deposit Funds from deposits of cash, wire transfers, and the first $6,725.00(increase from $5,525.00) of a day’s total deposits of cashier’s checks, certified teller’s, traveler’s, and federal, state, and local government checks will be available on the first business day after the day of your deposit. If the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $6,725.00 (increase from 5,525.00) will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than U.S. Treasury Checks) is not made in person to one of our employees, the first $6,725.00 (increase from $5,525.00) will not be available until the second business day after the day of your deposit. Funds from all other checks will be available on the tenth business day after the day of your deposit.

2025 Annual Meeting Notice

Mark your calendar for Monday, March 24, 2024, and plan to attend the MCU Annual Business Meeting. The meeting will be held at 6:00pm at the Cleburne Conference Center.  There will be a short business meeting for approval of the Minutes from 2024’s Annual Business Meeting and the election of Board Members. Afterwards there will be a door-prize drawing. Tickets for door-prizes will be handed out to adult Members at the door.

Our Credit Union depends on volunteers to serve on our committees and to assist in other ways.  A nominating committee has been appointed to coordinate and compile a listing of those who may be interested in volunteering their time.  The members of the nominating committee are Chris Cooke, Greg Harmon & Gary Heinrich. You may contact them directly or drop by the Credit Union office for further information on serving as a volunteer for your credit union.  Current Board Members up for re-election during the Annual Meeting include David Price, Debbie Rice and Sabrina Watson.

Notice of Holiday Closure – 01.20.2025

MCU will be closed Monday, January 20, 2025 in observance of the Martin Luther King, Jr. Holiday. ATMs are available for cash withdrawals. Online payments, money transfers, check deposits, balance inquiries and more are available through Virtual Banking or your MCU app. Have a safe holiday weekend.

Upcoming Holiday Closure Notices

11.28.2024 – 11.30.2024 (Thursday, Friday, Saturday) – Closed for Thanksgiving Holiday

12.06.2024 (Friday) – 5PM Early Closure for the Whistle Stop Christmas Parade

12.12.2024 (Thursday) – 4PM Early Closure for MCU Board & Staff Christmas Holiday Party

12.24.2024 (Tuesday) – 12PM Early Closure for Christmas Holidays

12.25.2024 (Wednesday) – Closed for Christmas Holidays

12.31.2024 (Tuesday) – 12PM Early Closure for New Years Holiday

01.01.2025 (Wednesday) – Closed for New Years Holiday

ATMs are available for withdrawals. Virtual Branch and our MCU App are available to check balances, make transfers, pay bills, make check deposits and more.

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