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Building a Foundation
Get Started with Some Banking Basics.
Whether you’re heading off to college, entering the workforce, or starting on a new journey, MCU is here to help members like you build a financial foundation with great products and expert guidance every step of the way.

Some Key Terms You’ll Need to Know
Stay informed and get the most out of your money—here are some important terms you should know, based on the needs and goals of MCU members like you.
APY
APY, or annual percentage yield, is the rate of dividends earned on a credit union account over a year, taking into account the effect of compounding.
Available Balance
The amount of money that is currently accessible in an account and can be used for transactions.
Overdraft
A situation in which an account holder writes a check or makes an electronic transaction for more money than is available in their account.
APR
APR, or annual percentage rate, is a measure of the cost of borrowing money that includes the interest rate and other charges as a yearly rate.
Direct Deposit
A method of electronically transferring funds from an organization, such as an employer or government agency, into an individual's bank account.
Start Your Financial Future Off on the Right Foot.
As you start working toward a secure financial future, you need reliable banking solutions to keep you headed in the right direction. That’s why MCU connects our members with flexible accounts, competitive lending rates, and expert guidance, no matter what path you choose to take on your financial journey.



Banking Products Made for Members Like You
Get the most out of MCU membership with savings, checking, and credit card options to fit your unique needs in this stage of your life. You’ll get membership rates and digital banking features—however you choose to save, spend, or build your credit.
Excellent Rates to Boost Your Success with Every Deposit
MCU’s flexible savings products go the extra mile in making sure each dollar is working harder for you. Whether you’re saving for something specific or just putting money away for the future, MCU is prepared to help you succeed with a variety of savings products designed to meet your needs.
Easy-to-Use Checking That’s Anything but Basic
Stay on top of transactions and make budgeting easy with an Everyday Hero Account. Get paid as soon as possible with direct deposit, manage your money from anywhere with the mobile app, use your debit card for everyday purchases and expenses, and start banking with no minimum deposit to open.
Build Credit with a Student-Friendly VISA® Card
The MCU² VISA® is an excellent tool to help college and graduate students establish and build credit with a six-month introductory 0.0% APR*. Students can learn responsible credit card spending habits on purchases like books, dorm furniture, and surprise expenses.
DISCLOSURE:
*APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Certain restrictions may apply. For more details, see our Rates page.