View Message

For the safety and security of our members and MCU team, please note that the hours of operation for the South Bronx Branch ATM lobby located at 560 Courtlandt Avenue Bronx, NY have recently been updated.

For the most current hours and to locate a nearby Branch/ATM, please visit our Branch/ATM locator tool.




Ace Your Finances...

with a 12 month introductory 1.99% APR*

Features & Benefits

  • Low interest rate
  • Maximum limit of $3,000
  • No annual fee
  • No balance transfer fee
  • No penalty rate pricing

All Applicants Must

  • Be between 18-24 years of age
  • Have a valid Social Security Number
  • Be a college or graduate student

Build a Brighter Financial Future.

If you are an eligible student between the ages of 17 and 24, join us and open an MCU2 Student Banking account today. Trust us—your future you will thank you.

NOTE: A qualified guarantor who is a parent or legal guardian is required for individuals under the age of 18.

Download the Mobile Banking App
Join_Becoming-a-Member (1)-1

Get Answers to Our Frequently Asked Questions.

How do I know if I am eligible to open an MCU2 account?

The MCU2 Program is specifically designed for college students between the ages of 18-24 to establish healthy financial habits. If you fall into this category, you may be eligible for an MCU2 account.

If I am under 18, do I need a parent or guardian to sign up for me?

Yes, if you are under 18, you will need someone to sign up with you for a joint account. When you reach the legal age of 18, you can manage the account entirely on your own.

Do I need to open all these products? Or can I pick and choose?

The MCU2 Program offers products and services such as a checking and savings account, loans, MCU2 debit card, and more. However, it is up to you to decide which products fit you best—with no obligation to have them all.

I am a college student, but not in New York. Am I eligible?

Yes! Even if you don’t attend a college in New York, if you’re otherwise eligible for MCU membership, you can set up an MCU2 account and access it online at any time that works for you.

* APR = Annual Percentage Rate. Introductory APR for new cardholders on new purchases and balance transfer is 1.99% for the first 12 months that your account is open. After the introductory period expires, currently 16.15% based on your creditworthiness–this post-introductory APR may vary. Balance transfers from another MCU loan or MCU VISA Card are not permitted. The APR for Cash Advances for all VISA cards is a fixed 17.90%. Cash Advance Fee for the MCU² VISA Card is 3% of the amount advanced but not less than $2.00 or more than $30.00. If interest is charged the minimum periodic interest charge is $0.50. There is a foreign exchange rate of 1% of each transaction in U.S. dollars. Certain restrictions apply. Membership is required. For more details, see our Rates page.

** Active Share Account (Hero Savings) is required.

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.