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In Observance of Presidents' Day all MCU branches, and our contact center will be closed Monday, February 19.

NYMCU Digital Banking & the Mobile App will remain available.



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Banking Options to Start Your Career Off Strong

You’re working hard to earn every paycheck. Make sure you’re set up to make each dollar go further with financial products, tools, and tips that do the work for you.


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.

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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. 

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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

Take Control of Your Finances.

Don’t go crazy with that new paycheck quite yet! While the influx of cash may feel good now, being in complete control of your finances feels even better. Here are a few resources to get you started on the right foot.


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 you’re building a career—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
Auto Loans

You’ve Got Places to Be. Make Sure You Can
Get There.

The freedom of car ownership can sometimes be the difference between enjoying a weekend excursion and being at the whims of peak pricing. Set up a plan to get on the road—start by exploring some of the most important financial products and features you’ll need to make your goal of car ownership a reality.

General Banking 2-1

You Need Smart Savings Options.

The first step to reaching a big financial goal? Save, save, and save some more. But, not all savings accounts are the same. Choose one that pays out a high dividend rate, and each dollar will go even further—just make your initial deposit, and watch your savings grow.

Show Me Savings Accounts
auto loan

You Need an Auto Loan at a Competitive Rate.

If you’re new to making loan-backed purchases, it can be easy to get overwhelmed and agree to terms that aren’t in your best interests. The good news for you is, MCU doesn’t play like that. Get exclusive access to low interest rates on auto loans, just for being a member.

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You Need to Protect Your New Asset.

Don’t make the mistake of thinking your financial work is done now that you’re behind the wheel. Make sure that your new investment is protected in case of an unexpected accident with auto insurance coverage through our partners at TruStage™ and enjoy discounts just for being an MCU member.

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Retirement Planning

It’s Never Too Early to Start Planning for Retirement.

Retirement may seem like a lifetime away, but it’ll be here sooner than you think. Start planning now—open an IRA and start saving your future.

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NYMCU Digital Banking

All-in-One Financial Management

Stay on top of your finances with a digital banking platform that lets you manage your accounts, budgets, and income all in one place. With the NYMCU Online and Mobile Banking apps, you can get your paychecks deposited automatically, pay your bills automatically, and build personalized dashboards to manage all your accounts.

  Show Me NYMCU Digital Banking
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

Experience Banking That Works For You.

Managing your financial future can feel like a full-time job. MCU makes it easy, equipping you with the expert guidance and reliable products you need to achieve your goals. Enjoy competitive rates, personalized member service, and educational resources that empower your financial decision making.

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