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I’m Starting Fresh
Welcome to New York! Let’s Start Building Your Financial Future.
Since the days of Ellis Island, the NYC skyline has offered the first glimmer of the future for millions of immigrants looking to start a new life. However, a new financial system can be daunting to figure out. That’s where MCU comes in, with products and services that have helped new American residents reach their financial goals for over 100 years and counting.

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.
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.
Build Your Financial Foundation
Set Yourself Up for Financial Success,
No Matter Your Background.
New to the U.S. financial system? Welcome! It can be overwhelming to start fresh in a new country, but with the right financial tools and products, you’ll be banking like an American in no time. Here’s what you need to do in order to establish your finances here in the United States.

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Ready to Start Building Credit?
Build Credit While You Build a New Life.
If you aren’t considered ‘creditworthy’ by banks or lending services, it can seriously limit your ability to get a house, a car, and more. That’s why it’s essential to build a credit history that can help demonstrate that you’ll make your payments and instill confidence in lenders. Here’s what you need to know in order to get started on the right path.
Speak with a Certified Financial Counselor.
If you’re feeling in the dark about what credit is and how it works, you’re definitely not alone. However, thanks to MCU's partnership with BALANCE Financial Fitness, you have access to personalized financial coaching designed to help put your credit—and your finances—on the right track.
Get a Card That Builds Credit as You Spend.
There are a lot of credit card options out there—it can be difficult to know where to start. The MCU Secured VISA® is a great option for members looking to establish or build credit. Just set your own credit limit (from $300 to $5,000) and spend your own cash while building credit at the same time.
Low-Rate Loans
Thinking About Buying a New Car?
Now that you’re here in the United States, it’s time to get on the road and start exploring! Start by exploring some of the most important financial products and features you’ll need to make your goal of car ownership a reality—starting with great rates on auto loans from MCU.

Get a Fresh Start on Your Finances.
Our diverse community of members enjoy competitive rates, reliable services, and educational resources that empower financial decision making. Start building your financial future with confidence and rest assured knowing our expert team is here to guide you at every step of the way.