- Home
- Meet the Team
- Log In
- Contact
- Careers
- Search
- Search Results
- Branches & ATMs
- Rates
- Log In
- About MCU
- Join MCU
- Personal Banking
- Lending
- Credit Cards
- Lending Services
- Insurance
- Member Resources
- MCU Financials
- Forms and Disclosures
- Privacy Policy
- Automated Telephone Banking
- Order New Checks
- Privacy Notice
- Schedule an Appointment
Saving Accounts Built to Help You Meet Your Family’s Goals
Whether you’re taking advantage of our Vacation Club or Holiday Club Account options, we make it easy and simple for you to store away funds for a special occasion.
Flexible Rollover Option
Didn’t access the funds in your Club Account this year? Don’t worry—you can roll over your funds to use the following year.
No Minimum Deposit
We make opening a club account easy, with no minimum deposit to open and maintain.
Budget with Ease
Whatever you’re saving up for, we make it simple to budget and save with regular deposits and compounded monthly dividends.
Choose the Account Best for Your Needs.
Don’t wait until it’s too late and debt piles on—start contributing to your future savings goals early, and leave yourself some wiggle room.
Vacation Club
0.05% APY*
Our Vacation Club Account allows you to save throughout the year with a payout on May 1st, so you can feel good knowing your future vacation has already been budgeted for.
Holiday Club
0.05% APY*
Our Holiday Club Account is perfect for all your holiday-related expenses. Regular deposits allow you to accumulate the funds throughout the year with a payout on November 1st—so you’re all set when the holidays come around.
All Your Banking, Accessible Anywhere
Manage all your accounts from anywhere and any device. The NYMCU online and mobile banking applications make it easy to manage your savings accounts, checking accounts or any other MCU banking product. Plus, it features helpful saving and budgeting tools to make sure your goals are met!
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.
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)
What to Consider Financially As A First-Time Homebuyer
Mortgages 101: Getting Started on The Path to Homeownership
FAQs
Get Answers to Our Most Frequently Asked Questions.
Can I open my account at any time of the year?
Can I access my money early without penalty?
What is the schedule of when dividends are paid?
Disclosures:
* APY = Annual Percentage Yield. These are variable rate accounts and the rate may change after the account is opened. Fees and other conditions could reduce earnings.
The disclosed Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date.
Rates and Terms are subject to change without notice. For more details, see our Rates page.