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WELCOME TO THE NEW MCU WEBSITE

We're excited to announce that the MCU website has been rebuilt and redesigned for an improved banking experience. Discover the exciting changes and enhanced features by visiting our dedicated information page.

Click here for more details.

Personal Banking

Discover Personal Banking Designed for NYC’s Everyday Heroes.

We serve the community leaders who keep our city running strong, with great rates and a variety of products and services made for easy banking done anywhere.

Log In To Digital Banking
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Easy-to-Use Checking That’s
Anything But Basic

At MCU, your membership means that you can select a checking account that fits the way you manage your money. Explore checking options designed to help you meet your financial goals.

FasTrack Checking

Everyday Hero Account

Stay on top of transactions and make budgeting easy with an Everyday Hero Account. Get paid as soon as possible with direct deposit, manage your money on the go, enjoy easy ATM access, and get real-time transaction updates to keep your spending on track.

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Basic Share Draft

Basic Share Draft

Our Basic Share Draft account delivers no-frills checking. With no minimum deposit and low maintenance fees, it’s an account that’s accessible to all those in need of a better way to bank.

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MCU2 Student Banking

College students between the ages of 17-24 can take advantage of MCU2 Student Banking, designed to help busy students stay on track—featuring hassle-free checking, low-interest loans, MCU2 Student VISA® cards, and more.

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Banking That’s Always by Your Side

When we say our community, products and services are accessible to all members, we mean it. Our members enjoy access to an easy, user-friendly digital banking interface that allows them to bank from the comfort and convenience of wherever they are.

 
NYMCU Digital Banking
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Get Paid Faster with Direct Deposit and Automatic Transfer.

Set up automatic deposit of regular paychecks (or any other recurring payments) directly into your Hero Savings,, Everyday Hero Checking, or Basic Share Draft account—securely and without incurring any additional fees—and enjoy immediate access to your money.

Learn About Direct Deposit
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No Matter Where You Are in Life,
We’re Right There with You.

At MCU, we believe that a credit union should be a lifelong source of financial education and support—from planning for college, to financing a home, to saving for retirement.

That’s why we have specialized recommendations for products and services designed to help you meet your goals (both in the short term and down the road), based on your changing needs and priorities.

Show Me Products For My Life Right Now
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Make the Most of Your MCU
Membership.

Membership in our community is about more than just banking. As an MCU member, you can access valuable information and resources to help you plan and reach your financial goals.

When Should You Take Social Security?

When Should You Take Social Security?

Filing for Social Security benefits as soon as you can  — or shortly thereafter —  a few years early may seem like a good idea at first. The money is ...
How To “Trick” Yourself Into Saving More

How To “Trick” Yourself Into Saving More

With inflation high and money tight for so many of us, there’s never been a better time to re-examine how we’re managing our finances and to make some moves to save more. ...
How Much Should You Save For Retirement?

How Much Should You Save For Retirement?

In a perfect world, you would start saving for retirement with your very first paycheck and keep at it until the day you left your job some 40 years later. But not everyone works ...
FAQs

Get Answers to Our Most Frequently Asked Questions.

Can I access my MCU account online?

Yes! We make it easy for you to have access and to monitor your funds, no matter if you visit an in-person branch.

Where can I find MCU branches and fee-free ATMs?

Check out our page featuring all of our branches and ATMs. Choose from any of our 15 locations, and search for various fee-free ATM options.

Are my deposits insured?

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

Can I use my MCU debit card anywhere?

Your MCU debit card can be used at any location that also uses credit cards, including ATMs.

Is there a maximum amount of transactions I can make with my Everyday Hero Account?

There is no limit on the amount of transactions you can make with an MCU checking account each month.

What’s the difference between ‘available balance’ and ‘total balance’?

Your total balance is the amount of money held in your account. Your available balance may be higher or lower than your total balance and includes all pending transactions.

Ready to Join the MCU
Community?

Apply now to get access to the competitive rates, personal banking products, and educational resources you need to create a foundation for an exceptional financial future.

Join MCU Today
Learn More About Membership
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You are now leaving the Municipal Credit Union website and entering a website hosted by another party. A link to this site is being made available for convenience and informational purposes only. Any products or services accessed through this link are not being provided by Municipal Credit Union and are solely the responsibility of the vendor or merchant hosting this other website. Please be advised that the vendor or merchant hosting this other website may have a privacy and information security policy that is different than that of Municipal Credit Union. Municipal Credit Union disclaims any responsibility for the content of the third-party website you are about to access.