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Online Banking and the NYMCU Mobile App will be temporarily unavailable on Saturday, October 17, 2026 from 11:00 PM ET to Sunday, October 18, 2026 at 6:00 AM ET for scheduled maintenance. We apologize for any inconvenience.
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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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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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LOANS

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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

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

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HOME LOANS

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First Time Homebuyers

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

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First Time Homebuyers

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

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INVEST

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    Build Your Financial Future

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    Build Your Financial Future

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    LEARN

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    Schedule An Appointment

    Have questions? Our team is here to help.

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    ABOUT

    About MCU
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    Membership
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    We Get NYers More

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

    Learn More
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    We Get NYers More

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

    Learn More


    Open a Hero Savings Account

    Unlock all of the benefits of the MCU membership.
     
    Get Started
    Schedule an Appointment
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    Open an Account with Just a Penny, and Earn Up to 0.05% APY*

    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 ATMs1 Nationwide
    • Manage Your Money On-the-Go with Digital Banking
    • Get Paid Up to 2 Days Early2 with Direct Deposit
    • Accounts Insured by the National Credit Union Administration
    Disclosures
    Hero Savings Disclosures

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

    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 is $0.01 .

    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 Rates and Annual Percentage Yields are accurate as of the last dividend declaration date.

    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.

    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.

    Two-day early access to direct deposit funds is based on when notification from the payroll provider regarding an 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.

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    MCU Visa® Debit Card

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    Receive a MCU VISA® Debit Card3 when you open a Hero Savings Account.

    • Digital Wallet Ready
    • Tap to Pay - Secure, Convenient, Touch-Free
    • Fraud Monitoring

    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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    Today's Rates

    hero-savings

    $500.00-$999.00

    Hero Savings

    0.01%

    APY*
    hero-savings

    $1,000.00-$3,999.99

    Hero Savings

    0.01%

    APY*
    hero-savings

    $4,000.00-$49,999.99

    Hero Savings

    0.05%

    APY*
    hero-savings

    $50,000 and Over

    Hero Savings

    0.05%

    APY*
    Hero Savings Disclosures

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

    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 is $0.01 .

    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 Rates and Annual Percentage Yields are accurate as of the last dividend declaration date.

    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.

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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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    Mobile Banking

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    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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