Check out your higher dividend rates for the fourth quarter!

We have had a good year and that is only possible because of you.

To thank you, we have doubled the third quarter dividend rates.

Have a safe and happy new year!


LOAN RATE COMPARISON (as of 12/18/18)

 Monarch Federal Credit Union 60 Month NEW CAR loan, as low as 3.44%!*



                                                                                                                                                MFCU ADVANTAGE

                            Wright Patt Credit Union,                                 as low as 3.69%                                       .25%

Day Air Credit Union,                                       as low as 3.49%                                       .05%

Universal 1 Credit Union,                                 as low as 3.59%                                       .15%

PNC Bank,                                                       as low as 3.89%                                        .45%

Key Bank,                                                        as low as 4.99%                                      1.55%


Monarch Federal Credit Union: Your BEST loan value.  Let us save you money! 

*Your rate may differ based on your individual circumstances.

 Monarch Federal Credit Union does not discriminate on the basis of age, sex, religion or national origin.


Monarch All About Autos

Picture of a car and a family at sunset.  The easiest part of buying your next car.  Search, shop, refinance and much more!  Click here to explore our all new auto buying center!
Click on this banner to shop for your next vehicle
With the 2018 model year end clearance underway, now is the time to take advantage of dealer discounts.
But don't  be fooled by dealers offering “0% financing”.
Come see the Credit Union FIRST to get pre-approved, then make your deal and let us finalize your loan needs with our competitive rates and flexible terms.  
Click on the above link to simplify your vehicle search
and shop for competitive dealerships.     
Ask us how we can protect you from the high costs of mechanical breakdown
with our new vehicle extended warranty insurance.
This includes new and used vehicles; new or exisitng loans with MFCU
or ALL other institutions. Non Credit Union members are also eligble!
Like us on Facebook 
Welcome to Monarch Federal Credit Union

Serving our members since 1936!
If you are an Avery Dennison employee in the United States, you and your immediate family
(parents, spouse, brothers, sisters and children) are eligible for membership. 
If you are interested in joining Monarch FCU, call 937-865-2274 or 800-622-2241
or email us at monarchfcu@monarchfcu.org.  
Give us the opportunity to tell you all the benefits of membership. 

Welcome New Avery Employees

We've noticed a lot of new faces at the Miamisburg facility lately.  If you are a new Avery Dennison employee, we wish you would stop in and join so, you too, can take advantage of all the services we have to offer.  If you are a credit union member and you know a new Avery employee, why not tell them how convenient and friendly we are.  You will both earn a quick $5.00 deposit to your credit union account. 


 Click on the login button in the upper right corner of the screen.

Your username is your base account number, without any suffixes, such as 1234 or 34567.  The first time you log in to the system, you will get a temporary password sent to your current e-mail address on file.

You will be prompted to change your password. 

Ten security questions will be presented upon logging in the first time.  Five of the ten questions will need to be answered.  After the initial login, you will be asked one of the questions when logging in each time.


 Monarch Federal Credit Union Routing Number--- 242278043


Better Business Bureau link.On-line Banking Security Requirements

Better Business Bureau link.Loan Sale

Better Business Bureau link.We'll Pay You to Spread the Word!




We Now Offer Mobile Banking!

Just visit www.monarchfcu.org/m from your mobile device to get started!