About MCU

An MCU² VISA® Card is a great way for students to establish and build credit.
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+ No Annual Fee

+ Low Interest Rate

+ 0% 6 Month Introductory APR*

+ Credit Lines from $500 to $3,000

* APR = Annual Percentage Rate. Introductory APR for new cardholders on new purchases and balance transfer is 0% for the first 6 months that your account is open. After the introductory period expires, currently 11.65% based on your creditworthiness–this post-introductory APR may vary. Balance transfers from another MCU loan or MCU VISA Card are not permitted. The APR for Cash Advances for all VISA cards is a fixed 17.90%. Cash Advance Fee for the MCU² VISA Card is 3% of the amount advanced but not less than $2.00 or more than $30.00. If interest is charged the minimum periodic interest charge is $0.50. There is a foreign transaction fee of 1% of each transaction in U.S. dollars. Certain restrictions apply. Membership is required.
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This web site, www.nymcu.org, is the only authorized web site of Municipal Credit Union of New York City, New York. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

This website strives to comply with the best practices and standards as defined by Section 508 of the U.S. Rehabilitation Act and level AA of the Worldwide Web Consortium (W3C) Web Content Accessibility Guidelines 2.0. If you experience trouble accessing this website or would like to share feedback, please contact us at 212-693-4900.

MCU’s services and products are directed to members residing in the United States.

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Routing Number: 226078036

  • ncua Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.