MEMBERS CREDIT UNION Routing Number 253175643 — WINSTON SALEM, NC

About Routing Number 253175643 — MEMBERS CREDIT UNION

Routing number 253175643 is the official 9-digit ABA routing number registered to MEMBERS CREDIT UNION at 2098 FRONTIS PLAZA BLVD, WINSTON SALEM, NC 27103. It is registered with the American Bankers Association and the Federal Reserve E-Payments Routing Directory. This number is used exclusively within the US domestic payment system — for ACH transfers, direct deposits, check processing, and domestic wire transfers routed through Fedwire. It cannot be used for international transfers, which require a SWIFT/BIC code.

How to Read Routing Number 253175643

The 9-digit number 253175643 is structured in three segments: 2531 is the Federal Reserve routing symbol — the first two digits identify the Federal Reserve district and the next two identify the specific Federal Reserve processing office handling MEMBERS CREDIT UNION's transactions. 7564 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to MEMBERS CREDIT UNION. 3 is the check digit — a single digit calculated from the first eight digits using a weighted sum formula (3-7-1 multipliers). Payment processing systems run this calculation in real time to catch routing number entry errors before any funds move.

ACH, Direct Deposit, and Wire — When to Use 253175643

• Direct Deposit — Payroll and Government Payments: Provide routing number 253175643 and your account number to set up payroll direct deposit, IRS tax refunds, Social Security, VA benefits, or any recurring government payment.
• ACH Transfers — Bill Payments and Bank Transfers: Enter 253175643 when authorising electronic debits or credits — utility bills, insurance premiums, subscription services, or bank-to-bank transfers via NACHA's ACH network.
• Check Payments: This routing number is printed at the bottom-left of every MEMBERS CREDIT UNION personal check in WINSTON SALEM — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with MEMBERS CREDIT UNION whether 253175643 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 253175643 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find MEMBERS CREDIT UNION's SWIFT code at the SWIFT Code Lookup.
• Indian bank transfers (NEFT, RTGS, IMPS, UPI) — require an IFSC code. Use the IFSC Code Lookup.
• Cheque clearing in India — requires a MICR code. Use the MICR Code Lookup.

How to Verify Routing Number 253175643 Is Correct

Before using 253175643 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a MEMBERS CREDIT UNION personal check — the routing number must match. (2) Log into MEMBERS CREDIT UNION online banking under Account Details. (3) Cross-check against the Federal Reserve routing directory. BankZop sources all routing data from official ABA and Federal Reserve records as of Jun 2026.

Browse more MEMBERS CREDIT UNION routing numbers in NC or across all states. For all US banks, visit the Routing Number Lookup. For international transfers, use the SWIFT Code Lookup. For loan EMI planning, try the EMI Calculator.