View Welcome Notice

We're excited to announce that the MCU website has been rebuilt and redesigned for an improved banking experience. Discover the exciting changes and enhanced features by visiting our dedicated information page.

Click here for more details.

I’m Changing Careers

Because Big Career Moves Require Big Money Moves.

Making big career changes? Congrats! To make the most of your new paycheck, you’ll need strategically chosen tools and products to keep you on the right financial track during this exciting time in your life. Here’s what you need to plan ahead and create the future you deserve.


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, 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.

Learn More
Share Account

A savings account (like our Hero Savings) that represents ownership of a specific amount of money deposited with the credit union and establishes membership in the credit union. 

Learn More

A situation in which an account holder writes a check or makes an electronic transaction for more money than is available in their account.

Learn More

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.

Learn More
Direct Deposit

A method of electronically transferring funds from an organization, such as an employer or government agency, into an individual's bank account.

Learn More
Line of Credit

A loan that allows a borrower to access funds up to a pre-approved credit limit, and is only charged interest on the borrowed funds.

Learn More
Adapt Your Budget

Stay in Control of Your Finances, No Matter What Changes Life Brings.

Making a big career change can be scary, no matter how long you’ve been part of the workforce. If you haven’t had as much time to build a financial foundation as someone with more career experience might, budgeting is going to be key when it comes to setting yourself up for future financial success. Here’s what you need to know to get started.


Adjust Your Budget Before You Make the Switch.

Anticipating a new paycheck? Adjusting your budget accordingly now can prevent surprise expenses from derailing your future plans. Log in to NYMCU Digital Banking to learn how to review transactions, manage your spending, and create a budget based on your goals.

Show Me How To Budget

Get a Checking Account That Works Overtime.

You’ve got a lot on your plate as you’re building a new career—why not choose a checking account that makes budgeting easy for you? An MCU Everyday Hero Account lets you manage your money with total control, no surprise fees, and access to digital tools that keep you on target.

Show Me Hassle-Free Checking

Create an Effective Spending Plan You Can Stick To.

Know you need to up your budgeting knowledge but not sure where to start? Learn how to create a breakdown of spending, income, and debts, so you can identify wasteful spending, anticipate financial needs, and even achieve new financial goals.

Show Me Planning Tips
Smart Savings Options

Rise to New Challenges and Stay on Track for Success.

You’re about to embark on something new and exciting, with the potential for future growth as high as your ambition can carry you. Let that upward trajectory carry over into your financial life as well. Start building up your savings now to make sure that you’ve got the resources you need to make big career moves without putting your financial health at risk.

hero savings

Get Steady Savings with a Hero Savings Account.

Build your savings with an account that gives you access to the MCU community, along with competitive rates and member service that’s second to none. Get started with just a $0.01 minimum deposit*, and grow your nest egg as you earn more paychecks.

Show Me Share Accounts
Share Certificate Account

Watch Your Savings Grow with a Share Certificate.

Saving in an account that pays dividends (like an MCU Share Certificate Account) makes it easy to earn more by doing less. Just choose the length of your account term, make your initial deposit, and watch your savings grow with our highest available dividend rates.**

Show Me Share Certificate Accounts
Group 2527

Starting Something New After Being Unemployed?

Starting a new job after being out of the workforce can be a great feeling. However, it’s only the first step to getting back on your feet. Unemployment can come with financial implications that can last long after you’ve settled into your role. Here’s what you should know.

Show Me Financial Tips
Auto Insurance

Make Sure You’re Covered if the Unexpected Strikes.

Don’t take a gamble when it comes to protection from unexpected accidents. If you’re in the middle of a big financial change (like changing jobs), you may not have the cushion you need to pay for vehicle repairs in case of a fender bender—or worse. Give yourself peace of mind with auto insurance from our partners at TruStage®.

Show Me Auto Insurance
MCU Secured VISA®

Work Toward Building Up Your Credit.

The MCU Secured VISA® is a great option for MCU members looking to establish or build credit. Just set your own credit limit (ranging from $300 to $5,000) and your funds will be secured through a special collateral credit line.

Show Me MCU Secured VISA
Retirement Planning

Put the Wheels in Motion for a Comfortable Retirement.

Retirement may seem like a lifetime away when you’re on the cusp of an exciting new career, but it’ll be here sooner than you think. Start planning now and set aside a portion of those paychecks for the future—open an IRA today.

Show Me IRA Products

Transformative Banking For All of Life’s Changes

You need financial support that grows as you do. Get the flexible financial assistance you need to cover you throughout all of life’s changes. MCU Members enjoy competitive rates, reliable services, and educational resources that empower financial decision making.

Join Us
Why Join?


* Minimum $0.01 deposit funded by MCU.

** Rates and terms are subject to change without notice. Certain restrictions may apply. For more details, see our Rates page.

You are now leaving the Municipal Credit Union website and entering a website hosted by another party. A link to this site is being made available for convenience and informational purposes only. Any products or services accessed through this link are not being provided by Municipal Credit Union and are solely the responsibility of the vendor or merchant hosting this other website. Please be advised that the vendor or merchant hosting this other website may have a privacy and information security policy that is different than that of Municipal Credit Union. Municipal Credit Union disclaims any responsibility for the content of the third-party website you are about to access.