Best of the Best #1 Financial Institution!

We are honored to be recognized as the Best of the Best #1 Financial Institution by The Daily News in Jacksonville!

This achievement reflects our commitment to serving our community with excellence, trust, and care. Thank you to our amazing members and team for making this possible—you are the reason we strive to be the best every day!

Your success is our priority.

See the News

 

We are here to help!

Falling behind on your payments?

You’re not alone — and you don’t have to navigate this difficult time by yourself. We’re here to listen, understand what you’re experiencing, and work with you on solutions that can help ease the financial pressure.

If you expect your hardship to be temporary, you may qualify for programs designed to provide short-term relief. Please reach out to us as soon as possible — the earlier we talk, the more options we may have to support your financial well-being.

Call 800.225.3967
We’re here to help you get back on track.

 

Vehicle Loan Hardship Assistance

If you’re struggling to keep up with your vehicle loan payments, we encourage you to contact us before the situation worsens. We truly want to work with you to find a solution before it escalates into repossession of your vehicle.

Call 800.225.3967 ext. 3520
Email us at: [email protected]
Together, we can explore options that protect your transportation and your financial future.

 

Financial Counseling Support

Sometimes the hardest part of a financial setback is knowing where to start. If you’re feeling overwhelmed or unsure of your next steps, we’re here to help you gain clarity and confidence.

Our team can connect you with personalized financial counseling to help you:

• Understand your current financial picture
• Explore budgeting and cash-flow strategies
• Review debt management options
• Strengthen your long-term financial habits

Whether you need guidance for today or a plan for tomorrow, we’ll walk with you through each step so you feel supported, informed, and empowered.

To learn more about financial counseling options, simply call us — we’ll point you in the right direction.

800.225.3967

 

Mortgage Hardship Assistance

If you’re experiencing difficulty making your Marine FCU mortgage payment, compassionate help is available.
Call 888.395.3997
We’ll work with you to explore the options that best support your situation.

 

Ready to Take the First Step?

Your financial well-being truly matters to us. If you’re facing challenges — big or small — please don’t wait.
Reach out today, and let us help you find a path forward with confidence and support.

 

 

The Next Generation of Digital Banking is Here!

A whole NEW digital banking experience is here! Access all the features you need with ease. No more buried navigation items, and customize your homepage to make it uniquely yours! Here's what's new: 

• Enjoy a consistent experience across online banking and the MFCU Mobile app. 
• See due date and past due information (including click to view statements, make payments, or transfer money) right from the "Accounts" widget.
• Control which features appear on your homepage by adding widgets to your "Favorites". Collapse, expand, or reorder them at any time!
• See key messages upfront and customize the name you're greeted with when you sign on.
• View your five most recent transactions without having to click into an account.

 

Credit Card Payment Share Updates

On Wednesday, August 6th, your Credit Card Payment Share will no longer be available for use to make payments to your Credit Cards. Wondering how to make payments? Check out our solutions below!

• FOR MEMBERS WHO MAKE PAYMENTS TO THEIR PAYMENT SHARE
  • Instead of the Payment Share, you can make payments to your Credit Card Loan anytime by selecting the Loan itself as the destination in the "Transfers" tab.
• FOR MEMBERS WITH AUTOMATIC PAYMENTS SET UP TO THEIR PAYMENT SHARE
  • There is no action needed! We have routed all automatic payroll and direct deposit allocations to deposit into the Credit Card Loan itself.
• FOR MEMBERS WITH A BALANCE IN THEIR PAYMENT SHARE
  • No worries! Any funds housed in the payment share at the time of removal will have their funds transferred to their Simply Smart Savings share.

Simply monitor your account, and please contact us if your transfers do not deposit correctly!

 

Mandatory Multifactor Authentication

To further protect your accounts, we’re introducing Mandatory Step-Up, a new security feature in online banking. When you access certain features commonly targeted by fraud, including:

• Add a Recipient
• My Settings
• Zelle
• Account to Account Transfers

You’ll be prompted to enter your registered phone number and verify with a 6-digit MFA code sent via text.

 

Thank you for helping us keep your accounts secure!

 

Live Teller Feature Updates

The Live Teller Machines you know and love will be receiving updates to its features! These include:

• Depositing checks and/or cash with cash back feature
• Transfers, including Loan Payments by transfer
• Mini Statements
• Balance Inquiry
• And much more!

Along with these, NEW features will include:

• Self-Service Mode - real-time transaction capabilities, including:
  • Cash Withdrawals (with denomination selection)
  • Cash Deposits (with share designations)
  • Check Deposits*
  • Last 5 Transactions History
• Teller Assistance - Members will be able to share their screen with our Tellers to help guide the transaction through Self-Service Mode
• Teller Processing - In Teller Control Mode, we can process your transaction for you

As a result, some Live Teller Machines may be temporarily unavailable. Use our Teller Locator to find the best location for you!

*Standard check holds may apply. 

Congratulations Mr. Ken Reddic

The Order of the Long Leaf Pine is the highest recognition the state of North Carolina can award one of its citizens.

 

This is an extremely rare honor that few receive. Past recipients include names like Evangelist Billy Graham, Actor Andy Griffith, Poet Maya Angelou, TV Personality Oprah Winfrey, Basketball Star Michael Jordan, Artist Bob Timberlake, Racecar Driver Dale Earnhardt, and Basketball Coaches Dean Smith and Coach K.

 

On behalf of Governor Roy Cooper, Marine FCU Chairman of the Board Chuck Collins awarded Ken Reddic this recognition for his 40+ years of service to Onslow County and the rural counties of Eastern North Carolina on November 12.

 

He was a teacher, coach, principal, and administrator within Onslow County Schools. He also spent many years developing curriculum for the poorer counties in the eastern part of our state. And, he spent six years on the Onslow County Board of Education, serving as its chairman for the past three.

 

Ken currently serves on the Board of Directors for Marine FCU

Marine Federal Hits Asset Milestone

Jacksonville, North Carolina – Marine Federal Credit Union came into existence on April 20, 1959, when eight gentlemen made the request to become a federal credit union that would serve the Military, Department of Defense employees, and their families aboard Marine Corp Base Camp Lejeune. On April 24, 1959, the request was approved by the Bureau of Federal Credit Unions.

 

The first official office/branch was located in a warehouse aboard Camp Lejeune. It was heated by a pot-bellied stove and secured by a chicken wire fence. Sixty-five years later, on Monday, October 15, over 250 past and present employees, military and government dignitaries, our suite of volunteers serving on the Board, and our Supervisory Committee gathered to celebrate the milestone of surpassing a billion dollars in assets.

 

“It took us 65 years to parlay $40 into $1,000,000,000 dollars at the end of August,” said Chuck Collins, Marine FCU’s Chairman of the Board of Directors. Mr. Collins recognized the Board Volunteers and Executive Teams, past and present, who helped achieve this success.
 

If you are unable to view the video above click the following button: Watch On YouTube  

2026 Annual Meeting and Elections

Marine FCU’s Annual Meeting will be held at our Corporate Headquarters at 4180 Western Boulevard in Jacksonville, North Carolina on Thursday, May 14, at 8:30 a.m.

Election results will be announced at that time. The Nominating Committee has proposed Chuck Collins and Ray Applewhite for three-year terms on the Board of Directors.

We are offering the opportunity to join the meeting virtually for those that are unable to attend in person. Simply sign into Online Banking and look for the link to watch live. This is a Microsoft Teams event and you may be prompted to download the software needed.

To review the meeting agenda and Marine Federal's 2025 Annual Report, click here.
Do you have a question you would like us to address during the meeting? If yes, submit it using this short form by Monday, May 12.

Elections

From the cotton and tobacco fields of Wilson County in North Carolina to the highest echelons of public service, the life of Mr. Raymond Applewhite is a powerful testament to resilience, trailblazing leadership, and an unwavering dedication to country and community. Born into poverty in Norfolk, Virginia, his life’s trajectory was forever changed when his aunt, Mrs. Lossie Reid, rescued him and his sister, raising them as her own. This foundation of love and stability instilled in him a profound sense of duty that would define the next half-century of his life.

His journey of service began with a distinguished 22-year career in the United States Navy. Enlisting in the early seventies, he rose through the ranks with sustained superior performance, retiring as a highly respected Senior Chief Hospital Corpsman. During his tenure, he became a true pioneer; after thorough research, the Historian’s Office of the Bureau of Medicine and Surgery officially recognized him as potentially being the first African American Navy Instructor at the Field Medical Service School at Camp Johnson—a historic achievement that foreshadowed a lifetime of breaking barriers.

After his military career, Mr. Applewhite seamlessly transitioned into a second chapter of service as a civil servant at Naval Hospital Camp Lejeune, where his impact became legendary. He was appointed the hospital's first African American Assistant Community Relations Director and, later, its first African American Public Affairs Officer. In these roles, he became a trusted special assistant to ten different commanding officers, a clear reflection of the immense confidence placed in his abilities. A former Medical Officer of the Marine Corps aptly described him as a “Great American, an outstanding ambassador for Navy Medicine and stalwart in the community.”

As a leader in communications and community relations, he was single-handedly responsible for establishing the hospital's internal and external messaging for many years. He masterfully facilitated all media requests and forged historic partnerships with Marine Corps Base Public Affairs, local and national news agencies, and key medical centers like Onslow Memorial Hospital, Vidant Medical Center, and Womack Army Hospital. Beyond his official duties, he was a beacon of hope, serving as a Mentor for the Governor’s One-On-One Program for at-risk youth and, as Chairman of the Relay for Life, helping to raise three-quarters of a million dollars for the American Cancer Society.

Perhaps one of his most defining moments as a unifier came when he proposed that members of the Masonic Order, regardless of the color of their skin, should march together in the Jacksonville Veterans Day Parade. He then led the formation of Masons down the parade route, marking the first time an event of this magnitude had ever occurred in the local community. This powerful act of unity earned him accolades and cemented his reputation as a transformative community leader.

In retirement, his dedication has not waned but has simply found new channels. He became the first Navy African American from Onslow County to be appointed to the prestigious Secretary of the Navy and Marine Corps Retiree Council. He continues to hold key leadership positions as President of the Camp Lejeune Fleet Reserve Association and as a member of the Board of Directors for Marine Federal Credit Union. In a lasting act of philanthropy, he and his wife of 50 years, Georgia, established a scholarship program at Coastal Carolina Community College to support students in need.

His lifetime of contributions has been celebrated with numerous honors, including being named "Mason of the Year," "Veteran of the Year" for Onslow County, and, most fittingly, a "Legend of Onslow County." A Lifetime Achievement Commendation from Congressman Don G. Davis honors his nearly four and a half decades of remarkable public service.

An ordained Deacon, Mr. Applewhite is a devoted family man, married to his wife Georgia. They are the proud parents of two daughters, Rosalind and Denise.

 

 

A Charlotte, North Carolina native, Chuck is currently Chairman of the Marine Federal Credit Union Board of Directors and Vice President of the Andrew Jackson Chapter, Sons of the American Revolution.

Chuck entered the U.S. Marine Corps in 1969, serving his country for 24 years. While in the Corps, he earned his Naval Aviator Wings, accumulated over 3500 flight hours in both helicopters and fixed-wing aircraft, held four command billets, and acquired his Airline Transport Pilots (ATP) license before retiring as a Lieutenant Colonel. His second career was with Marine Federal Credit Union, where he spent the next 17 years. He rose to the position of Executive Vice

President. He was actively involved in branch and ATM operations, and was heavily ensconced with consumer lending, mortgage lending, collections, member service, and product development. He saw organizational growth 5-fold, from $130MM to $650MM in assets.

His community involvement includes past associations with Jacksonville Rotary Club (Paul Harris Fellow), the Military Affairs Committee of the Chamber of Commerce, the Board of Directors of the Museum of the Marine, and the Marine Corps Scholarship Foundation (local chapter). He has also received recognition from the Pennsylvania State House of Representatives for his work in training Marine Reservists in that state, the Order of the Long Leaf Pine from the North Carolina Governor for community work in our state, and various military awards/decorations.

He graduated from Myers Park High School (’65), Belmont Abbey College (’69, Econ/Bus), Pepperdine University (’74, MBA), Marine Corps Command/Staff College (’83, Military), University of Georgia School of Business (’96, Southeastern Region Credit Union School), University of Toronto, Rotman School of Management (2013, CUES Board Governance).

Chuck is a firm believer in education. In that regard, he and his wife, Pat Collins, have endowed four different scholarships for needy students: The Chuck and Pat Collins Scholarship through Coastal Carolina Community College, The LtCol Clarence M. Collins III Scholarship (for military dependents) through Belmont Abbey College, The LtCol Clarence M. Collins III Scholarship (for children of deceased Marines) through the Marine Corps Scholarship Foundation, and The Patricia Collins Library Scholarship through East Carolina University. Also, through his position with Marine Federal Credit Union he was able to ensure endowed scholarships for Coastal Carolina Community College and the Marine Corps Scholarship Foundation in the names of past affiliates/employees of the Credit Union.

Chuck has been married to his beloved and devoted wife, Pat, for over 50 years. They have two married daughters and three grandchildren who form a close family bond, which sustains them greatly every day. He has been an Onslow County resident since 1974, with the exception of six years due to military service. In his spare time, he enjoys golf, swimming, woodworking, and yardwork.