To be eligible for the one-time bonus, you must: 
(1) be an existing or new member of MCU1 without an existing MCU Everyday Hero Checking account;  
(2) open a new Everyday Hero Checking2 account between October 9, 2025, and December 31, 2025 (“Promotion Period”):  
(3) fund the account with a minimum of $1,500 of “new to MCU money” within the first fifteen (15) days after opening the new Everyday Hero Checking account (the “Funding Period”); and  
(4) maintain a minimum daily balance in the new Everyday Hero Checking account for sixty (60) days after the Funding Period (the “Balance Period”).  
The amount of the one-time bonus will depend on: (a) the amount of “new to MCU” money, deposited; and (b) the amount maintained during the Balance Period. The minimum “New to MCU Money” and “Minimum Daily Balance” required to qualify for the one-time bonus amount in the “One-Time Bonus Amount” column are as follows.  

“New to MCU money” is defined as funds not on deposit in any MCU account. Funds transferred or deposited from any existing MCU account, loan, line of credit, credit card convenience check, or any other MCU account do not qualify as “new to MCU money.”  

The minimum daily balance is the total of the account's ending available balance on each day. The available balance is the amount of money in an account that can be immediately used for spending, withdrawing, or transferring. This amount is your current balance minus any pending transactions, holds on recent deposits, and other potential deductions, providing a more accurate reflection of the funds you can access at that moment. 

Upon meeting all requirements of the promotion, the one-time bonus will be deposited into your checking account based on the following schedule: 

Example 1: Member opens a new Everyday Hero Checking account on 10/13/2025. The member deposits $1,500.00 in “new to MCU money” by 10/28/2025 to qualify for the $150.00 one-time bonus. The period between the 10/13/2025 and 10/28/2025 is the Funding Period. The member maintains a minimum daily balance of at least $1,500.00 in the new Everyday Hero Checking account for sixty (60) days from the end of the Funding Period (until 12/28/2025). The sixty (60) day period between 10/28/2025 and 12/28/2025 is the Balance Period. The $150.00 one-time bonus is deposited into the Member’s Everyday Hero Checking account on 01/12/2026.  

Example 2: Member opens a new Everyday Hero Checking account on 11/13/2025. The member deposits $5,000.00 in “new to MCU money” by 11/28/2025. The period between the 11/13/2025 and 11/28/2025 is the Funding Period. The member only maintains a minimum daily balance of more than $2,500.00, but less than $5,000.00 in the new Everyday Hero Checking account for sixty (60) days from the end of the Funding Period (until 1/27/2026). The sixty (60) day period between 11/28/2025 and 1/27/2026 is the Balance Period. The $250.00 one-time bonus is deposited into the Member’s Everyday Hero Checking account on 02/17/2026. 

Eligible new and existing members are limited to one (1) one-time bonus offer. One-time bonus amounts are not cumulative. MCU members with an existing Everyday Hero Checking account as of October 8, 2025 are not eligible for this promotion.   

Member must be in good standing and the Everyday Hero Checking account must be open and in good standing from account opening until the date the one-time bonus is deposited into the member’s account to receive the one-time bonus. New to MCU money deposited directly into any other share or certificate account is not eligible to be counted towards the satisfaction of the funding requirement for the bonus. Bonus is subject to IRS reporting. 

MCU reserves the right to terminate, cancel, suspend, or modify this promotion, in whole or in part, at any time and without notice for any reason, including, without limitation, if any fraud, technical failures, or other factors impairs the integrity or proper functioning of the promotion. 

1Restrictions may apply. A primary share account with a par value of $0.01 is required to establish membership. See MCU’s Truth-in-Savings Disclosure and Rates & Fees Schedule for additional information.  

2 See MCU’s Truth-in-Savings Disclosure and Rates & Fees Schedule for additional information about the Everyday Hero Checking account.  

Federally insured by NCUA up to $250,000.00.

Membership at Municipal Credit Union (MCU) is open to:

• Individuals who live, work, worship, or attend school in New York City (NYC).
• Employees of New York State or Federal government agencies based in New York.
• Immediate family members or household members of existing MCU members.

Membership eligibility is subject to verification. Certain restrictions may apply.