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.

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

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Routing Number: 226078036

NMLS #:184286

  • 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.