Join MCU

Become a Partner

MCU helps our Business Partners offer the excellent benefit of credit union membership to their employees at no extra cost. Our goal is to build long-term, successful working relationships with our Business Partners and their employees.

If you are a business interested in becoming a partner with MCU, email our Business Development group at for more information.

Employers who partner with the Municipal Credit Union can enhance their employee benefits package at no cost to them. We have 19 branches and access to funds 24/7 at our large network of MCU ATMs. The MCU Business Development team brings specialized skills and experience in serving your members with a focus on member relations. Our goal is to build long-term, successful working relationships with our Business Partners and their employees.

Your Employees Will Have Access To:

  • Direct Deposit/Automatic Payroll Deduction
  • Checking account and savings accounts options
  • Competitive rates on credit cards and loans
  • Digital Banking services including online banking, mobile banking and text banking
  • A large ATM network
  • MCU’s Financially Fit Series – A free education series for your employees to provide them with the tools they need to become a “financially fit” employee. Topics include Understanding Credit, The Importance of Budgeting and Identity Theft.

Why Choose Municipal Credit Union

  • Higher Interest Rates on Savings Products
  • Great low Rates on Auto loans, Mortgages and Personal loans
  • Low-rate VISA Credit Cards
  • Deposits Insured to at Least $250,000
  • Strong Reputation for Stability and Fiscal Responsibility
  • Focused on Serving Financial Needs of Members

How to Become a Partner

Contact our Business Development Department at or (212) 238-3420.

1. What is Human Resources role in the partnership with MCU?

When partnering with MCU, Human Resources plays a minimal role. Responsibilities are usually restricted to scheduling site visits and processing payroll and direct deposit forms.

2. How long is it until the employee's account is opened?

Generally, it takes 7 to 10 business days for an employee's account to be opened.

3. When will the employees have their direct deposits/payroll deductions set up?

It takes 2 to 3 pay periods for direct deposits/payroll deductions to be set up.

4. Do our employees need cash to open their accounts?

No. We do not require deposits to open an account

5. Where are your branch locations/ ATM locations?

You can search for MCU Branch and ATM locations here.

6. How do we contact you to set up a site visit?

To set up a site visit, contact us at or (212) 238-3420

7. How do we contact you if we have questions regarding the Credit Union?

If you have any questions regarding partnering with Municipal Credit Union, contact us at or (212) 238-3420.

8. What are your fee structures?

For information about fees, view the Schedule of Dividends, Service Charges and Fees

9. Can we have an ATM at our location?

There are certain criteria and restrictions. For further information please contact us at or (212) 238-3420

10. Can our employees take MCU into retirement?

Yes. Retirement does not affect your membership in MCU. Once you are a member of MCU, you are always a member.


Today’s Rates

Rates As Low As:
Auto Loan*2.09%
Personal Loan**7.95%
30 Year Fixed3.808%
IRA 18-Month Variable0.30%
Share Certificate 36-Month0.60%
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Routing Number: 226078036

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Routing Number: 226078036

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