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I’m Learning
Bank Smarter While You Work Toward Your Degree.
Most students entering college don’t consider building a financial foundation until they’re ready to enter the workforce, but building your credit and savings early can pay off big time. Set yourself up for a bright future by learning how to spend and save wisely while you learn in college.

Some Key Terms You’ll Need to Know
To get the most out of your money, be sure to review the most important terms to know—based on the needs 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.
eStatements
An electronic version of a bank or credit union statement, which is a summary of an individual's account activity and current balance.
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.
Building a Budget
Ready to Get Serious about Saving?
Take These Budgeting Tools to School.
Don't let expenses like textbooks, project materials, or late night pizza derail your semester. With a budgeting plan in place, you can account for expenses (both expected and unexpected) before they pop up. Learn about smart budgeting practices you can take to campus with you.

Set up a Budget You Can Stick To.
For many people new to the banking world, the most difficult part of setting up a budget is getting started. Find step-by-step instructions for how to review transactions, manage your spending, and create a budget based on your goals—accessible from your NYMCU Digital Banking dashboard.

Get a Checking Account That Works Overtime.
You’ve got a lot on your plate as a busy student—why not choose a checking account that makes budgeting easy for you? An MCU Everyday Hero Checking Account lets you manage your money with total control, no surprise fees, and access to digital tools that keep you on target.
Building Your Financial Toolkit
You Need Banking Tools That Work for You.
You know you need the right banking products on your side, but what exactly should you be looking for when choosing them? Use this handy guide to get a picture of what features you should look for when choosing the products to build a solid financial foundation.
You Need a CD Account with a High APY.
Saving in an account that pays dividends (like an MCU Share Certificate Account—which are similar to CDs) makes it easy to earn while you learn. Just choose your term—between 6 and 36 months—make your initial deposit, and watch your savings grow with our highest available dividend rates.
MCU² VISA® Card
Build Credit While You Build Knowledge.
If you have little to no credit, it can be challenging to find a card provider willing to take a chance on you. That’s where the MCU² VISA® comes in—with student-friendly terms and competitive interest rates that help you build up your credit before you get out in the real world.
