When can I join?
Immediately after you begin working for McClatchy.

How soon may I borrow?
After you've been employed for six months and work at least 22.5 hours a week.

Are there fees associated with my credit union account?
You must keep $500 on account at all times to avoid a transaction fee of $1.50 per withdrawal. Please contact us for information regarding other fees that might affect your account. There are no pre-payment penalties for paying off loans early.

How do I withdraw money from my account?
Just call us before 3:45 p.m. Pacific time and we can have a check ready for you that same day. We also offer our QwikDraw service which transfers funds to a pre-selected account overnight.

Is there a limit to the amount of money I can put in my credit union account?
Members may deposit as much as they wish in their credit union share accounts. Members may also open up to $75,000 in share certificates.

Do you offer real estate loans?
McClatchy Employees Credit Union offers extremely competitive variable rate real estate loans. Through our partner, CU Lending, you can obtain a wide variety of real estate loans as well.

Does the credit union offer home banking or other electronic services?
We do not presently offer home banking or bill pay services. We have carefully examined these products but are not able to offer them to our members at the present time due to their cost. We do offer online membership and loan applications and are constantly reviewing additional services.

When can I open a Christmas Club account?
Christmas Club accounts may be opened at any time throughout the year but only pay out on or near Nov. 1.

Can I keep my account if I leave McClatchy?
Members with five years or more of service may maintain their accounts even after leaving the company. If you have less than five years of service your account is closed once you leave.

Can I have more than one account for my spouse or child?
No -- membership is limited to employees only at this time.