View Message

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.

MCU TRUE Rewards Cash Back VISA®

Earn Rewards Each Time You Spend.

Get up to 1.5% Cash Back* on eligible net purchases with no annual fee, easy redemption options, and no penalty rate pricing. To apply for your MCU TRUE Rewards Cash Back VISA®, just log into your NYMCU Digital Banking and select ‘Quick Apply.’

Not An MCU Member? Join Today.

Up to 1.5% Cash Back* on Eligible Net Purchases.

Earn up to 1.5% Cash Back on eligible net purchases. Please see the TRUE Rewards Cash Back VISA® Card Program Description on pages 13-15 for further information.

A Card Designed With Your Credit Needs In Mind.

The MCU TRUE Rewards Cash Back VISA® helps you reap the rewards of your financial journey, with low rates and up to 1.5% cash back on eligible purchases.

What is EMV Chip Technology?

EMV (chip card) technology is the most recent advancement in a global effort to combat fraud and protect sensitive payment and cardholder data. This technology includes an embedded microprocessor chip to store and protect cardholder data with increased security technology to reduce card fraud.


Enjoy More Peace of Mind With VISA® Purchase Alerts.

Get a free text or email whenever you pay with your VISA® card. This can help you immediately identify potentially fraudulent activity. You choose the terms and frequency.

  • Features & Benefits
  • How To Enable Alerts
Features & Benefits
  • This is an additional service offered to MCU members by VISA® Purchase Alerts.
  • VISA® Purchase Alerts are free. However, some cell phone carriers may charge a fee to send or receive a text message. Message and data rates may apply. Please check your mobile plan or contact your mobile carrier for further information.
  • Get a text or email whenever you pay with your VISA® card. This can help you immediately identify potentially fraudulent activity.
  • Choose the notification triggers that match your needs. You’ll get real timetext or email alerts based on your selected criteria.
How To Enable Alerts
  1. Check your card eligibility.
  2. Create an account to register your mobile device and email. You will need to create a new, unique Username and Password for this service. This will create a new account with VISA® Purchase Alerts. OR, you can sign up for VISA® Purchase Alerts using NYMCU Digital Banking
  3. Choose the notification triggers that match your needs, such as transactions exceeding a set amount.
  4. If you experience problems creating a new account, contact VISA® Purchase Alerts Customer Service at

View the VISA® Purchase Alerts FAQ for more information.

All Your Banking, Accessible Anywhere

Manage your credit cards from anywhere and any device. The NYMCU online and mobile banking applications make it easy to manage all of your accounts—and with VISA® purchase alerts, you can get even more transparency into your daily transactions.

Download the Mobile Banking App

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 saving for retirement and everything in between.

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

Show Me Products For My Life Right Now
top top

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.

All about Private Mortgage Insurance (PMI)

Have you heard of PMI? PMI, short for Private Mortgage Insurance, is an insurance policy that helps protect the lender if the borrower can't pay their mortgage. ...

What to Consider Financially As A First-Time Homebuyer

So, you’re ready to buy your first home. Congratulations! For many people, taking this step is one of the biggest financial moves they will make in their entire lives. Because of ...

Mortgages 101: Getting Started on The Path to Homeownership

When you embark on the search for a new home, you may think you know the steps to take: Read the listings, visit some open houses, sign on with a Realtor, make an offer. In fact, ...

Get Answers to Frequently Asked Questions.

What happens if I lose my MCU VISA® credit card?

Accidents happen! If your MCU VISA® credit card is lost or stolen, we suggest that you connect with us right away. Call us at (800) 449-7728 or log into your NYMCU Digital Banking to block or unblock your card, or to request a replacement.

Can I be alerted when a purchase is being made?

Yes! With VISA® Purchase Alerts, you will automatically be sent a text or email that verifies the purchase—stopping fraudulent activity in its tracks.

Is there a limit to how much cash back I can earn?

No! MCU True Rewards Cash Back VISA® holders can earn an unlimited amount of cash back. The best part? It never expires—and your rewards can be used toward the card’s balance or deposited into your MCU Checking Account.

Do I need to have established credit in order to get an MCU VISA® credit card?

A small amount of established credit will not prevent you from getting an MCU VISA® credit card, but high-standing and established credit will strengthen your application.

How does cash back work?

You’ll earn 1.5% on any eligible purchases you make with the MCU True Rewards Cash Back VISA®. For example, if you spend $100, you’ll instantly get $1.50 back in your account. These rewards add up over time!

Join a Community That’s Here to Support Your Financial Goals.

No matter where you are in life or what goals you’re working toward, MCU is ready to assist you with educational resources, banking products, and reliable service designed to help you create an exceptional financial future.

Join Today
Learn More About Membership

* View the TRUE Rewards Cash Back Visa® Card Program Description and Related Disclosures for more information.

**1.99% Introductory Annual Percentage Rate (APR) for new cardholders on purchases and balance transfers for the first 12 months based on your creditworthiness. After that, the APR will be, depending on your creditworthiness at account opening, 16.90%, 18.15%, 19.65% or 21.40% (Prime Rate + 9.15%, 10.40%, 11.90% or 13.65%).  The APR may vary. For more details, see our Rates page.

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.