Member Service

Security & Privacy Policy

Your MCU Accounts Are Protected

At MCU, we employ the highest standards of security to ensure the protection of your account information against Identity Theft and Fraud. We utilize advanced networking security technologies to protect our computer systems. Whenever personal information is requested or displayed on our web site, we use 128-bit Secure Socket Layer (SSL) technology to encrypt your personal information so that it is scrambled when it is transmitted over the internet and then decoded once it reaches your browser. You can confirm that your session is secure by looking for a small lock symbol in the lower corner of your web browser. You can also look for the letters https:// at the beginning of the URL in your web browser. The letter "s" in https means that the connection is secure.

NYMCU Online Banking (including MCU BillPay and eStatements)

To access your account online, you must enroll in NYMCU Online Banking. In addition to requiring a user ID and password to login, we use a Second Authentication process to ensure that your account will only be accessed by you. Online banking users receive a one-time use security code sent via a delivery channel of their choice – either telephone, text message or email message. Users are then required to enter the security code to complete the login process. Additionally, your online banking session will end or automatically "time-out" after inactivity. A browser that supports 128-bit encryption is required to use MCU Online Banking.

Password Strength: A strong, hard-to-guess password that is easy to remember and updated on a regular basis is one of the top defenses against banking and identity fraud. When you create a password in NYMCU Online Banking, the system will rate its strength to make sure you have the best protection against unauthorized access. View our tips to create a strong password.

As of January 12, 2016, Microsoft no longer supports Internet Explorer 8, 9, and 10. The end of support means these older versions of IE will no longer receive security updates or technical support, making anyone who continues to use them after that date much more vulnerable to threats and hackers. We strongly recommend that if you are using IE 8, 9, or 10, you upgrade your browser to the latest version of IE.

Online Loan Applications

Loan applications submitted through the MCU web site are secure and encrypted. Applicant information is protected by multi-level data security. You can apply online with confidence that your information is secure and protected.

What You Can Do to Keep Your Information and Identity Safe

Stay Alert for Fraud:
MCU will never contact you by email, text message or telephone to ask you to update or verify your account information. During the online banking login process, we will never ask you to further verify your login by inputting credit card or account information. Do not respond to unsolicited text messages, email messages or telephone calls that ask for any account information or other private information. If you think your accounts have been compromised, report it by calling the Contact Center at 212-693-4900.

Protect Your Identity:
It's important to protect your personal information in order to help reduce your risk of identity theft.

Learn more about Identity Theft and how to avoid it.

Do Your Part:
You play an important role in helping us protect your information and to keep your money safe. Never share your ATM PIN, online banking username, password or account information with anyone.

Notify MCU When You Travel:
When planning a trip, inform MCU of you plans if you are going to be using your MCU ATM/Debit card or Visa credit card on the trip. Changes in your spending habits or patterns can trigger a security alert within our fraud detection system. This is especially true if you are traveling outside the state or the country. For your protection, most foreign countries are blocked. If potential fraud is detected, your card may be temporarily suspended, blocking it from further transactions until the questionable charge can be verified. Additionally, if you are out of town, contacting you to verify the charge may be difficult and you may be inconvenienced if you are unable to use your card.

You can notify us of your travel plans through any of the methods below. You will need to give us your place of travel and your departure and return dates.

  • Online Banking:
    Login to NYMCU Online Banking, click on the "More" widget, then click "Message Center". You'll be able to send us a secure message detailing the information about your trip.
  • Phone:
    Call the Contact Center at 212-693-4900.
  • In Person:
    Visit your nearest branch and speak with a Member Service Representative.

Set Up Account Alerts:
An easy way to monitor your MCU account for suspicious activity is to enroll in Account Alerts through NYMCU Online Banking. These email or text message notifications will be sent your email or cell phone when certain activity occurs within your account.

Here are tips to help you keep your smartphone and personal information safe when using NYMCU Mobile Banking.

  1. Add a Password to Your Phone
    To prevent unauthorized access to your phone, set a password or Personal Identification Number (PIN). To set a PIN or password, go to your device settings. It is a good practice to change your password every 90 days.

  2. Keep your Mobile Device Up-to-Date
    Your phone's operating system software should be kept up-to-date by enabling automatic updates or accepting updates when prompted from your service provider, operating system provider, device manufacturer, or application provider. By keeping your operating system current, you reduce the risk of exposure to cyber threats.

  3. Avoid Hot Spots
    Accessing WI-FI networks that are open to the public can make your phone an easy target of cybercriminals. You should limit your use of public hotspots at locations like coffee shops or airports. Instead, use protected WI-FI from a network operator you trust or mobile wireless connection to reduce your risk of exposure, especially when accessing personal or sensitive information. Always be aware when clicking web links and be cautious if you are asked to enter account or login information.

  4. Enroll in Touch ID or FingerPrint Login
    Touch ID and FingerPrint Login allow users to login with the touch of their finger.

  5. Log Out
    When you are finished at a website you are logged in to, log out instead of just closing the page. As an added security precaution, NYMCU Mobile Banking will time out after 20 minutes of inactivity.

  6. Don't Modify Your Smartphone's Security Settings
    Do not alter settings for convenience. Tampering with your phone's factory settings, jailbreaking, or rooting your phone undermines the built-in security features offered by your wireless service and smartphone, while making it more susceptible to an attack.

  7. Download Applications from Reputable Sources
    Ensure an app is legitimate before downloading it. You can check the legitimacy of an app by checking reviews, confirming the legitimacy of the app store, and comparing the app store's official website with the app store link. Apps from untrusted sources may contain malware that, once installed, can steal information, install viruses and cause harm to your phone's contents.

  8. Understand App Permissions Before Accepting Them
    You should be cautious about granting applications access to personal information on your phone or otherwise letting an application have access to perform functions on your phone.

  9. Report a Stolen Smartphone
    The major wireless service providers, in coordination with the FCC, have established a stolen phone database. If you phone is stolen, you should report the theft to your local law enforcement authorities and then register the stolen phone with your wireless provider.

  10. Reset before You Resell or Recycle
    You smartphone contains personal data you want to keep private when you dispose of your old phone. To protect your privacy, completely erase data off your phone and reset the phone to its initial factory settings.

Privacy Policy

At Municipal Credit Union (MCU) your privacy is important to us. This Online Privacy Policy is intended to explain how we treat information received from our MCU web site.

General Information

No Personally Identifiable Information ("PII"), such as your name or address, is collected automatically when you visit our web site.

Information Collected and Stored Automatically

For site security purposes and to ensure that this service remains available to all users, MCU utilizes software programs to monitor network traffic in order to identify unauthorized attempts to upload or change information, or otherwise cause damage.

Web site management information is collected for statistical purposes. Computer software programs are used to create summary statistics, which are used for such purposes as assessing what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas.

The following information is automatically collected and stored when you visit our web site:

  • The Internet domain (e.g., AOL, or MSN) from which you access our Web site
  • The make and model of Internet browser software that you have used when accessing our Web site; and
  • The number of times that you have visited our Web site during the current month (MCU utilizes "cookies". A "cookie" is a file placed on your hard drive by a Web site that allows it to monitor your visit. You can set your browser to warn you when placement of a cookie is requested and decide whether or not to accept it.)

When viewing, advertising cookies will be placed on your computer. We work with our display advertising partner, Prospero (Acuity Platform), to present you with retargeting advertising on other web sites based on your previous actions on The methods our partners use adhere to the highest advertising privacy standards, do not collect PII, observe all opt-out requests from users, do not install any software programs whatsoever, and use only Network Advertising Initiative (NAI) certified technology. Click here to opt-out of Prospero (Acuity Platform) and their partners’ targeted advertising. If you choose to opt-out, your election will be communicated by the Network Advertising Initiative (NAI) to their participating companies and a cookie will be placed on your browser indicating your decision to opt-out. If you elect to opt-out, bear in mind that because cookies are stored by your browser, if you use different browsers on your computer, or multiple computers and devices that have browsers, you will need to opt-out from each browser on each of the computers and devices that you use. You may still receive advertisements from us, they just won’t be customized based on your web-browsing activities.

Information Collected from E-mails and Web Forms

When you send us PII, for example, in an electronic mail message containing a question or comment or by filling out a form that e-mails us information, we use this information to fulfill or respond to your requests. We may store these requests to provide us with information for future improvements to our Web site. We may forward your e-mail to third parties who provide specific products that you are requesting information about. We do not create individual profiles with this information you provide. MCU does not give, sell or transfer personal information to third parties unless: a) it is necessary for completing a transaction, or b) it is required to verify the existence and condition of your account for a third party, or c) it is required by law or, d) you give MCU your permission.

MCU Social Media Terms and Conditions

MCU’s official social media accounts are:

Twitter - @NYMCU_News

Facebook -

Instagram –

Social media sites are public sites and anything you post on them can be viewed and reused by others. You should never post any personal or confidential information on social media sites. For example, you should not disclose any financial information, Social Security Numbers, account numbers, passwords or PINs. MCU will never ask you for personal or confidential information via a Social Media site like Twitter, Facebook, or Instagram.

Any communication between us on social media does not change, alter or supersede any of the agreements you have with us as a member and is not intended to constitute advice or a solicitation or offer for any financial product or service.

Please note that we may not regularly monitor our official social media accounts and some posts found on them may be from others who are not authorized administrators of MCU’s social media accounts. The posts to MCU’s official social media accounts may not be endorsed by, and may not represent the views of, Municipal Credit Union.

Municipal Credit Union is not affiliated with any social media site (Twitter, Facebook, Instagram, etc.) nor are we responsible for the content others post to our official social media accounts or how others may use what you post on any of those accounts. We are not responsible for a social media site’s policies, including but not limited to their Privacy and Security Policy and Terms of Use. You should review the policies of the various social media sites. Municipal Credit Union assumes no responsibility for, nor do we control, endorse or guarantee any aspect of the content, products or services of other pages on any social media site or on third-party sites that may be linked to by an official MCU social media account or any other page on a social media site.

Be careful when clicking on links posted by other users of social media sites, as some of those links could pose risks to your computer.

Today’s Rates

Rates As Low As:
Auto Loan*4.00%
Personal Loan**7.95%
30 Year Fixed6.540%
IRA 18-Month Variable3.30%
Share Certificate 36-Month3.82%

* This is a discounted rate. The APR for auto loans will increase by .50% after consummation if automatic transfer from your MCU primary share (savings)/share draft (checking)account is cancelled or the transfer is unsuccessful for 3 consecutive payments.

** The APR for personal loans will increase by .50% after consummation if automatic transfer from your MCU primary share (savings)/share draft (checking) account is cancelled or the transfer is unsuccessful for 3 consecutive payments.

*** Annual Percentage Yield
Visit our Rates page for more information

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Routing Number: 226078036

NMLS #:184286

  • ncua Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.