Your Savings Should Work as Hard as You Do

^*APY=Annual Percentage Yield. APY is accurate as of 10/21/2026.

High-Yield Savings Account - Eligibility for Advertised APY:

To be eligible to earn dividends for the High Yield Savings account at the posted High Yield Savings Annual Percentage Yield ("APY"), you must first deposit a total of $5,000 of New Money† into the High Yield Savings account ("New Money Requirement"). Other funds currently on deposit in a MCU account may be transferred or deposited into the High Yield Savings Account, but those funds will not count towards the New Money Requirement. Until the New Money Requirement is met, dividends on the Average Daily Balance in the High Yield Savings Account will accrue at the same APY as the Hero Savings Account with the corresponding Minimum Balance to earn the stated APY for the Hero Savings Account. Once the New Money Requirement is met, there is no minimum balance required to earn the posted High Yield Savings APY and, after the New Money Requirement is met, any High Yield Savings Account balance will earn dividends at the posted High Yield Savings APY. The dividend rate and APY is subject to change.

The Annual Percentage Yield ("APY") reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.

Minimum Opening Deposit: A minimum of $100.00 opening deposit is required.

This is a variable rate account and the rate may change monthly after the account is opened. Fees and other conditions could reduce earnings. The disclosed Dividend Rate and Annual Percentage Yield are accurate as of the last dividend declaration date.

^†“New Money” is defined as funds that are not on deposit in any MCU account at the time the account with the New Money requirement is opened. The New Money requirement may be satisfied by: (1) making a deposit of New Money directly into an account bearing a New Money requirement; or (2) making a deposit of New Money into a savings or checking account and transferring the New Money into the account bearing the New Money requirement within seven (7) days of the date of deposit. Funds transferred into an account bearing a New Money requirement from any MCU account after seven (7) days from the date of deposit will not be eligible to satisfy the New Money requirement.

Fees: There are no Account specific fees. Standard fees applicable to MCU membership and deposit accounts apply. Fees may reduce earnings.

Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

View Truth-in-Lending Rates and Fees Schedule.

^*APY=Annual Percentage Yield. APY is accurate as of 10/21/2026.

Rate, Maturity, and Deposits:

Dividend rates and APYs are fixed for the initial term based on the Rate Schedule. Additional deposits are generally prohibited except for the 18-Month Deposit Plus Share Certificate and 18-Month Secured Visa Share Certificate. New Money promotional rules require funds not currently on deposit with MCU or transferred within seven (7) days.

Minimum Opening Deposit:

6-Month Share Certificate: $500.00; 9-Month Share Certificate: $500.00; 12-Month Share Certificate: $500.00 ; 12-Month-$5k New Money Share Certificate: $5,000.00 ; 24-Month Share Certificate: $500.00; 36-Month Share Certificate: $500.00.

Dividends, Penalties, and Renewal:

Dividends compound and credit monthly using the Daily Balance Method. Accounts automatically renew at maturity unless changed, backed by a ten (10) day grace period.

A penalty will be imposed for early withdrawal: 90 Days Dividends for 6 and 9-month terms; 180 Days Dividends for 12, 24, and 36-month terms.

^**12 Months – $5K New Money: You may be eligible for a 0.50 percentage-point increase on the current Dividend Rate on the 12 Months Share Certificate account if you meet certain eligibility requirements. To be eligible, you must open a 12 Month Share Certificate account or renew an existing 12 Month Share Certificate account in-person at one of our branches, through our Digital Banking platform, or through our mail-in renewal process. You must also deposit a minimum of $5,000 of New Money^† into the Share Certificate account at the time of opening or renewing. Any funds that you want to deposit in addition to the $5,000 of New Money may come from accounts you currently have with us and those additional funds will earn the stated APY. The account will automatically renew into the 12 Month Share Certificate and will be subject to the Dividend Rate, APY, and other terms and conditions of the 12 Month Share Certificate in effect at the time of renewal unless the account is closed prior to maturity or during the ten (10) day renewal grace period or the eligibility requirements of the 12 Months – $5K New Money at satisfied during the ten (10) day renewal grace period. An early withdrawal penalty will apply if the account is closed prior to maturity.

^†“New Money” is defined as funds that are not on deposit in any MCU account at the time the account with the New Money requirement is opened. The New Money requirement may be satisfied by: (1) making a deposit of New Money directly into an account bearing a New Money requirement; or (2) making a deposit of New Money into a savings or checking account and transferring the New Money into the account bearing the New Money requirement within seven (7) days of the date of deposit. Funds transferred into an account bearing a New Money requirement from any MCU account after seven (7) days from the date of deposit will not be eligible to satisfy the New Money requirement.

Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

View Truth-in-Lending Rates and Fees Schedule.