Brilliant Past. Bright Future.
For 75 years, Marshall Community Credit Union (MCCU) has partnered with members for financial success through service, solutions, and education. What began in 1951 as a small group of Eaton employees coming together to support one another has grown into a full-service financial institution serving thousands across our communities.
Through every decade, one thing has stayed the same: our commitment to the credit union philosophy of people helping people.
Our Brilliant Past
From our earliest days helping coworkers save and borrow responsibly, MCCU has grown through innovation, education, and community partnership. Along the way, we’ve expanded branches, launched new technology, supported local schools, and earned recognition for strong financial performance and exceptional member service.
Every milestone reflects the trust our members place in us — and the dedication of the team members who serve them.
Our Bright Future
While we honor where we’ve been, we’re even more excited about where we’re going. MCCU is focused on continuing to grow alongside our members with modern solutions, superior member service, financial education, and continued investment in the communities we serve.
The future of MCCU is rooted in the same values that shaped our past: service, integrity, and a deep commitment to people helping people.
Thank You for Being Part of Our Story
Whether you’ve been with us for decades or just joined the MCCU family, you are part of what makes this milestone meaningful. Here’s to 75 years of progress — and many more ahead.
Historical Timeline
1950s–1960s | A Cooperative is Born
In 1951, a group of Eaton employees founded Eaton Marshall Employees Federal Credit Union to provide fair financial services in a close-knit, post-war community. With low inflation and stable interest rates, the early years focused on savings, responsible loans, and building trust. Manufacturing and industrial jobs were abundant, and the nationwide credit union movement gained recognition as an alternative to traditional banks. By 1967, the credit union became Eaton Marshall Credit Union, reflecting growth beyond its original employee base.
1970s | Growth, Resilience, and Modernization
The 1970s brought economic challenges nationwide: rising interest rates, the oil and energy crisis, high inflation, high unemployment, and shifts in manufacturing. In 1976, Eaton Marshall Credit Union became Marshall Industrial Credit Union, expanded its field of membership again, and introduced computer systems for efficiency and security. Assets reached $3 million in 1977. Through turbulent economic conditions, MCCU remained committed to stability and supporting members.
1980s | Becoming a Community Credit Union
In the early 1980s, soaring interest rates reduced borrowing, and recession impacted manufacturing and employment. In 1983, Marshall Industrial Credit Union became Marshall Community Credit Union, expanding membership to anyone living or working in the Marshall area. Investments during this decade included an in-house computer, variable dividends, and drive-thru teller service with Saturday hours. By 1985, a professional staff of twelve supported the introduction of mortgage products.
1990s | Building Momentum
The 1990s brought technology and the internet, changing how members banked and increasing expectations for faster, easier access. Drive-thus, extended hours, and ATM cards became standard. MCCU’s assets reached $35 million in 1991. In 1995, ATM cards were introduced, and membership grew past 5,000 in 1998.
2000s | Expanding Reach and Access
The 2000s were marked by the Dot-Com Bubble, corporate scandals, housing boom and bust, and the Great Recession, alongside the rise of online-only financial platforms. MCCU expanded to Battle Creek, enhanced digital access, and developed community programs. In 2000, the Marshall branch doubled in size, added a drive-up ATM, debuted its website, and ranked #1 in “Return to the Savers” by Callahan & Associates. Field of membership expanded to all of Calhoun County, the CU in School program launched, and commercial lending began in 2005. An ATM was added at Oaklawn in 2003, and service growth continued throughout the decade.
2010s | Innovation and Leadership
The 2010s brought ultra-low interest rates, recovery from the Great Recession, and rapid digital and mobile banking adoption. MCCU completed a major systems upgrade in 2012, and membership grew to 10,000 by 2013. In 2015, MCCU launched its mobile app, mobile deposit, and Kasasa® checking and savings accounts. The decade included multiple Raddon financial performance awards, and the Coldwater branch opened in 2019, with membership reaching 15,000.
2020s | Meeting Members Where They Are
The first half of the 2020s included the COVID-19 pandemic, inflation, interest rate increases, changing spending patterns, and accelerated digital experiences. MCCU focused on accessibility, technology, and member service excellence. ATM access expanded with new locations at Marshall High School (2024) and MCCU Field (2025). The credit union earned Member Service Excellence awards and remains committed to supporting our members today, and in the future.
Members: 16,000+
Team Members: 70+