Credit Union Solutions for Your Convenience and Peace of Mind

Services and Products

As a full service federal credit union, MOPAC EFCU offers a comprehensive range of services to cater to your financial needs. Our services include share accounts (savings) with dividends earned quarterly and a minimum balance requirement of $25.

We also offer a share draft account (checking) with no monthly service fee. Maintain an average balance of $1,000 or more for a month to earn dividends. Explore the convenience of MOPAC Virtual Branch, MOPAC Mobile app, and our Teller Response Account Information Network (T.R.A.I.N.).

We provide MasterCard services, including a payment site at and a MasterCard debit card. Other services include money orders, Term Share Certificates, IRAs, loans, Western Union wires, direct deposits, and Zelle.

We are proud to partner with TruStage Insurance Company to meet all your insurance needs.

Our online services provide the ease of accessing account history, transferring funds, making loan payments, paying off loans, adding to your line of credit, and viewing check images. Online bill payment is available to all members with a share draft (checking account).

Additionally, we present special rates and promotional offers periodically.

Fee Schedule

 New Account Draft/Check printing (fee based on check ordered) $1.00
 Deposited drafts/checks returned (and all other items returned unpaid) $20.00
 Returned draft / check (and check for Mastercard payments) $25.00
 Master Card Payment made at Credit Union $2.00
 Account activity printout (per screen) $1.00
 Copy of Past Statements (per page) $1.00
 Money Orders $1.00
 Stop Payments (all items) $25.00
 Wire Transfer (outgoing) $20.00
 Incoming Bank Wire $5.00
 Western Union (outgoing) $15.00
 Copy of draft/check $5.00
 Research Fee (per hour) Minimum $20 $20.00
 Loan Processing Fee $50.00
 T.R.A.I.N. Teller Response Account Information Network Audio Response (one time per month, IF accessed, unlimited usage) $1.00
 Mastercard Debit Card (per month, if accessed) $1.00