Est. 1985 · NCUA Insured

Finance That Puts
You First

We do finance differently. People come first — every step of the way, every decision we make.

Open Account Sign In

256-bit SSL · NCUA Insured · 50K+ Members

HEFNER DEBIT

•••• •••• •••• 4242

Expires

08/29

Transfer Successful
$500 sent to Maria J.

Just now

Competitive Rates

Your Money, Working Harder

3.75%

APY*

High Yield Savings

Our flagship savings rate — put your idle funds to work.

3.65%

APY*

18-Month Certificate

Lock in a guaranteed return with our CD certificate rates.

4.00%

APR*

Credit Cards

Industry-low rate on our MicroTrust signature credit card.

15.49%

APR*

Loans

Flexible personal and home loan terms, built around you.

MicroTrust Rewards Visa

$500

Welcome bonus after just $1000 in purchases

Get Rewarded From Day One

Sign up for the MicroTrust Rewards Visa and earn a $500 cash bonus once you hit $1000 in qualifying purchases — on top of the cashback you'll keep earning on everything you buy.

2% cashback on all purchases
0% intro APR for 12 months
$0 annual fee (Year 1)
No hidden fees, ever

Apply Now

$200 Bonus

MTCU REWARDS VISA

•••• •••• •••• 8841

Expires

11/30

For Business Owners

Helping Small Businesses
Like Yours

Whether you're opening your first storefront or scaling a growing team, MicroTrust gives small business owners the financing, tools, and personal guidance to move forward with confidence — without the red tape of a large financial institution.

Fee-free business checking
Fast, flexible business loans
A dedicated relationship advisor

Get Started

Business Checking

Business Loans

Merchant Services

Payroll Solutions

About MicroTrust Credit Union

Building Strength Together

MicroTrust Credit Union is a full-service credit union built on the foundation of supporting members at every step of their financial journey. We're committed to helping our members achieve their goals through personalized service and competitive rates — owned by members, not shareholders.

Competitive Rates

Better rates on savings, loans, and credit cards designed to maximize your financial growth.

Member-Focused

We're built for our members. Your success is our priority — full stop.

Learn our story

Get the App

Finance in
Your Pocket

Experience the future of mobile finance with our Progressive Web App. Native app performance, no app store required — install it in seconds.

Works Offline

Access your account anywhere

Lightning Fast

Instant loading & responses

Push Notifications

Stay updated on transactions

Enterprise-Grade Security

Your data is always protected

9:41

Good morning,

Available Balance

$12,847.50

Transfer

Deposit

Pay

Recent Transactions

Salary

Apr 1

+$3,200

Shopping

Mar 31

−$134

Transfer

Mar 30

−$250

Member Reviews

Trusted by 50,000+ Members

"I am genuinely impressed with the customer service and speed of payout. MicroTrust has made finance simple and stress-free."

Sarah Morris

Verified Customer

"Excellent service and competitive rates. The business finance team helped us grow. I couldn't recommend MicroTrust more highly."

John Davis

Business Owner

"The mobile app is fantastic and the customer support team is genuinely top-notch. Switching to MicroTrust was the best financial decision I've made."

Emily Johnson

Personal Finance

"Opening a business account took minutes, and our relationship advisor actually picks up the phone. MicroTrust feels like a true partner."

Michael Chen

Small Business Owner

"Competitive rates, zero hidden fees, and a team that actually explains things. I switched my entire family's accounts over."

Olivia Carter

Verified Customer

Service Hours

Mon–Fri: 9AM–5PM

Sat: 9AM–1PM

Sun: Closed

Phone Support

Available 24/7

1-800-FINANCE

Intl: +1-555-0123

Email Support

Response within 24hrs

help@microtrustcreditunion.com

Finance That Puts You First