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HERO SAVINGS
Earn Up to 0.05% APY*
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.
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
Today's Rates
Hero Savings
$50,000 and Over
0.05 %
APY(1)Hero Savings
$4,000 - $49,999.99
0.05 %
APY(1)Hero Savings
$1,000 - $3,999.99
0.01 %
APY(1)Hero Savings
$500 - $999.99
0.01 %
APY(1)APY = Annual Percentage Yield (OPEN TO READ MORE)
1Minimum Opening Deposit is $0.01, funded by MCU.
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!
Ready to Join the MCU Community?
Apply now to get access to the competitive rates, personal banking products, and educational resources you need to create a foundation for an exceptional financial future.
FAQs
Can I be sure that my deposits are safe?
Are my savings insured?
How are APY and dividend rates determined?
How do I know which savings product is best suited for my needs?
Am I eligible to become an MCU member?