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Our Midwood branch located at 1560 Flatbush Avenue in Brooklyn will reopen this Friday, May 31st!

In the meantime, you can securely access your accounts by logging into Digital Banking or visiting any of our other local branches.

I’m Advancing My Career

Hassle-Free Banking that Makes Your Money Work for You

You’re busy with your career and don’t need to spend valuable time worrying about banking. That’s why we offer easy-to-use products and services that eliminate stress during such an important time in your life, so you can focus on working toward the future you have planned.


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.

Share Certificate

share certificate at a credit union is a document that represents ownership of a specific amount of money that has been deposited with the credit union for a fixed term. 

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Jumbo Loan

A type of mortgage that exceeds the conforming loan limits set as eligible for purchase by government-sponsored enterprises.

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Mutual Fund

A type of fund managed by professional investment managers that pools money from many investors and uses that money to buy a diversified portfolio.

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Flexible Spending Account

A tax-advantaged savings account that allows individuals to set aside money for qualified expenses.

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Individual Retirement Account (IRA)

A type of savings account designed to help individuals save for retirement.

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Fixed Rate Loan

A loan with a constant interest rate for the life of the loan, providing the borrower with predictable monthly payments.

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Banking Products

Save Time While You’re Saving Money.

With your busy schedule, you need banking that’s headache-free and there when you need it. That’s where we come in, with products and services that make managing your money easy, wherever you are.


Hassle-Free Checking for Everyday Banking

Stay within budget and on top of transactions with an Everyday Hero Checking Account—manage your money with total control, no surprise fees, and access to tools that keep you on target.

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Savings Products That Work for You

It’s never been easier to save for a solid financial future, with options like a 36-Month Share Certificate and IRA 36-Month Share Certificate with a 2.00% APY*.

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Easy-to-Use Digital Banking

The NYMCU Online and Mobile Banking apps make it easy to access your account digitally to handle day-to-day transactions. As always, our convenient branch locations are available for larger and more complex transactions.

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Insurance Protection

Protect What Matters Most with Insurance.

You’re working hard to earn the things that are important to you. Make sure you, your family, and your most valued assets are fully protected when the unexpected strikes.

Home & Auto Insurance

Be Prepared with MCU Home and Auto Insurance.

Receive exclusive members discounts on auto and home insurance for you and your family, available to MCU members through our partners at TruStage® and PFP.

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AD&D Insurance

Get Practical Insurance to Cover Unexpected Accidents.

When the unexpected happens, make sure you’re prepared. Get true peace of mind with AD&D insurance offered by MCU’s trusted partner TruStage.®

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Whole Life Insurance

Achieve Peace of Mind with Whole Life Insurance.

Whole Life Insurance (from our valued partner PFP) allows you to rest easy knowing that in the wake of a devastating event, your family would remain financially taken care of in your absence.

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Term Life Insurance

Protect Your Loved Ones’ Futures with Term Life Insurance.

Term Life Insurance gives MCU members like you access to affordable policies that provide peace of mind and flexible coverage over the length of your policy term.

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Ready to Buy a Home?

A Great Mortgage Will Help You Land the Home of Your Dreams.

In the market for a new home? A mortgage through MCU is quick, hassle-free, and features competitive rates—so your hard-earned cash will go even further per square foot.

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Make the Most of Your Retirement. Start Saving Today.

It’s never too early to start planning for retirement. See what options make the most sense for you and your family, and start actively saving for your future.

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BALANCE Financial Fitness

Stay on Track with BALANCE Financial Fitness.

Discover financial guidance and expert counseling with BALANCE. Access webinars, tools, articles, and counseling that will help you achieve financial wellness and make the most of every dollar you earn—free to MCU members like you.

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Ready to Experience Banking That Grows with You?

Let MCU help build your financial future while you focus on advancing your career. Get expert guidance from our services team at every step of the way, and choose from a variety of member-friendly products that help you achieve your financial goals.

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Why Join?

* APY = Annual Percentage Yield

The IRA 18-Month Share Certificate Account is a variable rate account and the rate may change after the account is opened. All other Share Certificate Accounts are fixed-rate accounts. A penalty may be imposed for early withdrawals.

Rates and Terms are subject to change without notice. For more details, see our Rates page.

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