Search
Previous Menu
Join Us
NYC’s Heroes Deserve a Credit Union That Serves Them.
While traditional banks are driven by profit, we’re not-for-profit, and driven by a genuine desire to provide value to our members and communities. That’s why our products and services are designed to be accessible for everyone, and our member service experts go above and beyond to meet members exactly where they are.
Products and Services Designed to Get You Where You’re Going.
From checking and savings to planning for retirement, MCU offers personal banking products designed to adapt to meet your changing needs and goals—with personal service and resources that make it easy to stay informed while you manage every dollar.
Checking Accounts
Everyday Hero
Stay on top of transactions and within budget with an MCU Everyday Hero Checking Account. Start banking with the control and digital convenience you deserve, with no surprise fees and digital tools that keep you on target.
Savings Accounts
Hero Savings
A share account—like our Hero Savings—is a basic savings account used to establish membership at MCU. With that membership comes personalized support and a wide array of educational resources and services designed to meet you where you are.
Credit Cards
MCU TRUE Rewards Cash Back VISA®
Why settle for no rewards when you can get cash back, no annual fee, and no penalty rate pricing? And with competitive introductory rates, this card can help you meet your financial goals.
Student Banking
MCU2 Student Banking
MCU² is an excellent place to start your financial journey, providing eligible college students (between the ages of 17-24) with the ability to to build credit, access competitive rates on savings and loans, and open an account with no minimum deposit.
NOTE: A qualified guarantor who is a parent or legal guardian is required for individuals under the age of 18.
Consumer Lending
Auto Loans
MCU has the loans to fit your specialized auto-purchasing needs. With low rates, flexible terms, and no down payment required for qualified borrowers, it’s never been easier to drive the car of your dreams.
Insurance
Term Life Insurance
TruStage® Term Life Insurance helps provide peace of mind knowing that your family will be protected from the loss of your income in the event of your death. The payout is income-tax free, can be used for end-of-life expenses—and you can apply in less than 10 minutes.
All Your Banking, Accessible Anywhere
When we say our community, products, and services are accessible to all members, we mean it. Our members enjoy access to an easy, user-friendly digital banking interface that allows them to bank from the comfort and convenience of wherever they are.
Download the Mobile Banking App
Discover the Credit Union Difference.
A credit union is a type of not-for-profit financial institution controlled by its members, the people who deposit money into it. That’s right: we are member-owned, so we do not have to answer to shareholders whose goal is to maximize profits. Instead, credit unions return profits to their members in the form of more favorable interest rates, community programs, and unique products and services.
And we don’t stop there. We make sure that our members are empowered with the educational services they need to feel confident about their financial journey with us, and work toward building an excellent financial future.
We Have a Long History of Serving NYC’s Everyday Heroes.
Keeping the Greatest City in the World moving forward, every day, requires heroic effort by hundreds of thousands of individuals. As an NYC institution that’s been around for over 100 years, we work every day to provide excellent service and support to the everyday heroes who serve New York City.
We Put the Community in "Your Local Community Credit Union".
As a not-for-profit cooperative, we’re deeply rooted in our community and the everyday heroes who serve it. Where traditional financial institutions are beholden to shareholders, we operate solely for the good of our members and communities—and we deliver on that by showing up for them when they need it most.
Take Ownership of Your Financial Future, in More Ways Than One.
When we say we’re different from regular banks, we mean it. Instead of answering to corporate stockholders, we are beholden to our members as shareholders of our credit union—which means that we always have your interests at heart and welcome your input when it comes to deciding the future of our credit union.
We’re Member-Driven Through and Through.
When you bank with MCU, you’re not just an account holder—you’re a shareholder. Your future is our future and your values are our values; we encourage each and every one of our members to raise their voice and take a hand in shaping the direction of our credit union community.
We Put Our Members Over Corporate Profits.
Our products and services are designed with members’ needs in mind—not corporate profits. Because we don’t answer to any stockholders, any profits we earn are directly cycled back to the community in the form of low rates, great products, and member resources.
Ready to Join the MCU Community?
Gain access to the products and services that help our members create a foundation for an exceptional financial future—such as competitive rates, member-focused banking, and educational resources to stay in control of your finances.
Download the Mobile Banking App