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The Harlem branch will be closed for the remainder of today and will reopen for business on Friday, November 24th. 


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, 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.

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An electronic version of a bank or credit union statement, which is a summary of an individual's account activity and current balance.

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

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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. 

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Direct Deposit

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

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Credit Score

A numerical representation of an individual's creditworthiness, used by lenders to determine the likelihood of repayment.

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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.

Show Me How To Budget

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.

Show Me Hassle-Free Checking

Use a Budgeting Calculator to Crunch the Numbers.

Figuring out how much you're spending each month—and where it's all going—can be challenging for many members. Our budgeting calculator makes it easy—just plug in your income and expenses, and we'll show you how it all breaks down.

Help Me Calculate My Monthly Budget
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.

FasTrack Checking

You Need Accounts That Make It Easy to Stay on Budget.

Keep track of your daily spending with checking and savings options built to make budgeting easy. Choose accounts that feature spending and saving buckets, digital banking access, and tools to take the guesswork out of managing your money.

Show Me Checking & Savings
Share Certificate Account

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.

Show Me Share Certificate Accounts

You Need a Digital Banking Platform.

You’re busy—you need the convenience of an app that allows you to handle all your financial needs. From depositing a check, to building a budget, to just paying for lunch—the NYMCU app lets you handle it all from the comfort and convenience of wherever you are.

Show Me NYMCU Digital Banking
Student Checking

You Need it All, Pre-Packaged for Students Like You.

Want all the banking products you need, built specifically for students? The MCU² program empowers college students (aged 17-24) to establish financial independence while they work to put the wheels in motion for a secure and successful future.

Show Me The MCU² Program

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.

Show Me Student Banking
Financial Literacy Center

Read up and Get Informed on Your Own Time.

Get access to tools and resources handpicked to help you start learning about personal finance, building credit, and making the right financial decisions as a new member of the MCU—and the New York—community.

Show Me Financial Literacy Resources
Auto Loans

MCU Makes It Easy to Get on the Road.

Discover convenient auto loan options with built-in flexibility and get behind the wheel with confidence—members enjoy access to low-cost payment plans, exclusive rates, and waived fees.

Show Me Auto Loans

Ready to Jumpstart Your Financial Future?

We’ll help you build your financial future while you stay busy pursuing your degree. Get expert guidance from our services team at every step of the way, and choose from a variety of flexible products that help you achieve your financial goals

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Why Join?
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