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Branch Closure Notice:

Due to unforeseen circumstances, our Elmont Branch will be closed today. We apologize for the inconvenience and appreciate your patience. Online and mobile banking remain available for your banking needs.

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CHECKING & SAVINGS

Checking
Savings
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Get up to $350 to do more New York.

When you open a New Checking account and receive direct deposit*.

*Terms and conditions apply.

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checking account promo

Get up to $350 to do more New York.

When you open a New Checking account and receive direct deposit*.

*Terms and conditions apply.

Learn More
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LOANS

Vehicle Loans
Personal Loans
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Time For A Ride That’s Yours

Time For A Ride That’s Yours

Auto loan options for 60 months as low as 4.99% APR*

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Time For A Ride That’s Yours

Time For A Ride That’s Yours

Auto loan options for 60 months as low as 4.99% APR*

Learn More
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CREDIT CARDS

Credit Cards
Resources
MCU Signature Visa®

MCU Visa® Signature

Get 1.5 points for every dollar spent on eligible net purchases with our MCU Visa® Signature credit card.

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MCU Signature Visa®

MCU Visa® Signature

Get 1.5 points for every dollar spent on eligible net purchases with our MCU Visa® Signature credit card.

Learn More
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HOME LOANS

Mortgages
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First Time Homebuyers

First Time Homebuyers

Buying a home is a big step and we’re here to help.

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First Time Homebuyers

First Time Homebuyers

Buying a home is a big step and we’re here to help.

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LEARN

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Schedule An Appointment

Schedule An Appointment

Have questions? Our team is here to help.

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Schedule An Appointment

Schedule An Appointment

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ABOUT

About MCU
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We’re Here For It

We’re Here For It

Whether you live, work, worship or attend school in NYC, we’re here to help you thrive. Join today!

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We’re Here For It

We’re Here For It

Whether you live, work, worship or attend school in NYC, we’re here to help you thrive. Join today!

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Open a Hero Savings Account

Unlock all of the benefits of the MCU membership.
 
Get Started
Schedule an Appointment
361c8697-6760-460e-9469-37745af39368
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Open an Account with Just a Penny, and Start Earning a Great APY* Right Away.

Saving for your dream vacation? Putting away money for retirement? Just need a savings account to keep your money in the smartest place possible?

MCU gives you simple, reliable banking you can count on.

*APY = Annual Percentage Yield. **Co-Op Network surcharge-free ATMs must show CO-OP ATM logo. ATM transactions made outside of MCU ATM network or CO-OP ATM Network may be subject to fees. Please visit our online ATM Locator for a list of surcharge-free ATMs.

Features & Benefits

  • No Minimum Balance Fee
  • MCU Visa® Debit Card
  • Convenient Access to 33,000 Fee-Free ATMs** Nationwide
  • Manage Your Money On-the-Go with Digital Banking
  • Get Paid Up to 2 Days Early+ with Direct Deposit
  • Accounts Insured by the National Credit Union Administration

MCU Visa® Debit Card

image (1)

Receive a MCU VISA® Debit Card^ when you open a Hero Savings Account.
  • Digital Wallet Ready
  • Tap to Pay - Secure, Convenient, Touch-Free
  • Fraud Monitoring

Today's Rates

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Hero Savings

$50,000 and Over

0.05 %

APY(1)
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Hero Savings

$4,000 - $49,999.99

0.05 %

APY(1)
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Hero Savings

$1,000 - $3,999.99

0.01 %

APY(1)
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Hero Savings

$500 - $999.99

0.01 %

APY(1)
Disclosures
 *APY = Annual Percentage Yield

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.

1Minimum Opening Deposit is $0.01, funded by MCU.

+Early Pay disclosure
Two-day early access to direct deposit funds is based on when notification from the payroll provider regarding upcoming payment is received. This notification generally arrives up to two days before the scheduled payment date; however, actual timing will vary and may affect when funds are posted to the member's account.
 
^Debit Card disclosure
The debit card is the property of Municipal Credit Union (MCU) pursuant to a license from VISA U.S.A Inc. By using this card, members agree to the terms and conditions of the MCU Cardholder Agreement provided at account opening, including any future amendments.
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Save Time with Mobile Deposits

With MCU's mobile deposit feature, depositing a check is as easy as snapping a photo on your phone. Just take a picture of your check, upload it using the NYMCU Mobile App, and you're done!

Learn About Mobile Deposit
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Banking That’s Always by Your Side

Digital Banking and the NYMCU Mobile Banking App make it easy to achieve your financial goals with helpful tools.

With easy-to-use features, you can ensure your goals are met while managing your finances conveniently from anywhere.
Download the Mobile Banking App
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Live, work, worship or study in NYC?

Because we get NYers more, you'll have access to competitive rates, personalized support, and financial education - so you can get more out of NYC.
Join Today Schedule an Appointment
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