Business Details
50+ Years
experience
Your Trusted Credit Union for Personal and Business Banking Solutions
Founded in 1940, Members Plus Credit Union has built a legacy of providing quality financial services to over 10,000 members. As a member-owned, not-for-profit institution, we prioritize community needs and financial innovation, serving residents and businesses in Essex, Middlesex, Norfolk, Plymouth, and Suffolk counties. Our comprehensive offerings include personal and business banking solutions, consumer and mortgage loans, and digital tools like mobile banking with mobile deposit.With 7 convenient branches and access to thousands of ATMs, our experienced team combines local expertise with modern technology to deliver personalized service. We emphasize financial education, competitive rates, and community reinvestment, maintaining federal insurance through NCUA and adherence to strict security standards.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Student Loans
Business Banking
Mobile Banking
Personal Loans
Home Equity Loans
Details
- Year established: 1940
Highlights and features
- 80+ years of serving Massachusetts communities with financial expertise
- 24/7 digital banking with mobile deposit and online loan applications
- Community-focused lending with specialized programs like HEAT Loans
- Low APR credit card options and competitive loan rates
- Financial education resources for informed decision-making
Associations and certifications
- NCUA
Services
Checking Accounts
We offer no-minimum, no-fee checking accounts with free debit cards and access to 7 branches. Members enjoy digital banking features including mobile check deposit and bill payment. Account holders gain access to thousands of ATMs nationwide through our shared branching network.
Auto Loans
Our auto loans feature competitive rates starting at 4.950% APR for new vehicles. We finance both new and used cars with terms up to 4 years. Members benefit from flexible approval criteria and quick application processing through our online platform or local branches.
Mortgage Loans
We provide fixed and adjustable rate mortgages for home purchases or refinancing. Our local loan officers offer personalized guidance through the entire mortgage process. Special programs include first-time homebuyer assistance and home equity lines of credit.
Student Loans
Our student loan marketplace connects borrowers with competitive private loan options. We offer financing for undergraduate, graduate, and professional degrees with flexible repayment terms. Members can refinance existing loans to potentially reduce interest costs.
Mobile Banking
Our mobile app enables 24/7 account access with features like mobile check deposit, bill payment, and real-time transaction alerts. Users can locate ATMs, apply for loans, and manage accounts securely from smartphones or tablets. The platform includes advanced security measures for fraud protection.
People
Michael Wilberton
Interim President & CEO
With extensive financial leadership experience, Michael oversees strategic operations and fiscal management. He brings decades of credit union expertise to drive innovation and member service excellence.
Jill DeAlmeida
Chief Operating Officer
Jill manages daily operations and process optimization. Her 20+ years in financial services focus on improving member experiences through technology integration and operational efficiency.
Justin Lasko
VP Retail Administration
Justin leads retail operations and branch network strategy. He specializes in member service training and implementing customer-centric banking solutions across all service channels.
Eric Rich
VP Real Estate Lending
Eric manages mortgage and home equity lending programs. With specialized knowledge in residential finance, he helps members achieve homeownership goals through personalized loan solutions.
Michni Daley
Branch Manager
Michni serves Medford branch members with personalized banking services. She focuses on building local relationships while delivering comprehensive financial solutions tailored to individual needs.
Questions
How can I become a member of Members Plus Credit Union?
Anyone living or working in Essex, Middlesex, Norfolk, Plymouth, or Suffolk counties in Massachusetts can join. Visit any branch or apply online to start membership.
What digital banking services do you offer?
We provide mobile banking with check deposit, bill payment, account alerts, and loan applications. Online banking allows 24/7 account management from any device.
Do you offer student loan refinancing options?
Yes, our student loan marketplace partners with multiple lenders to offer competitive refinancing rates for existing student loans with flexible repayment terms.
What loan programs are available for first-time homebuyers?
We offer specialized mortgage programs with low down payment options, competitive rates, and counseling resources for first-time homebuyers in our service area.
How do I report a lost or stolen debit card?
Call our main number at 781-905-1500 immediately to report lost/stolen cards. Replacement cards can be ordered through our mobile app or by visiting any branch location.
What are your current holiday closing dates?
We follow standard federal holidays including New Year's Day, Independence Day, Thanksgiving, and Christmas. Check our website for the complete 2025 holiday schedule.
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