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Money Market Accounts
Save More, Earn More with an MCU Money Market Account.
Earn higher dividends each time your balance reaches certain levels with an MCU Money Market Account. You'll get dividends compounded and credited monthly so you can earn more, faster.
Open an Account to Start Earning a Competitive APY* Right Away.
Saving for your dream vacation? Putting away money for retirement? Just need a basic savings account to keep your money in the best place possible? Earn up to 2.02% APY* with a money market account that racks up more dividends when your balance reaches certain levels.
Earn Up to 2.02% APY*
Start earning up to 2.02% APY* when you open a money market account at MCU. The more you add to your account, the closer you get to the next dividend rate.
Federally Insured by the NCUA
The National Credit Union Administration (NCUA) insures your deposits at MCU, so you can trust that your funds are safe. Your savings are federally insured to at least $250,000 by the full faith and credit of the United States Government.
Convenient Banking Locations
We’re not some out-of-town banking goliath—we’re in your communities, ready to help. We’ve got branches and ATMs all across New York City for easy account access, and our member success teams are here to support you through all of your financial milestones.
Liquid Savings Access
Write checks, make mail or branch withdrawals, and keep growing your nest egg at the same time. While traditional banks frown on customers for dipping into their savings, we think our members deserve flexible savings options that can be managed on their terms.
Get Rewarded for Growing Your Nest Egg in an MCU Money Market Account.
Combine all the benefits of a high-yield savings account with the flexibility of easy withdrawals and check writing.
Unlike most long-term savings options that don’t allow you to touch your balance while you save, a money market account lets you make deposits (and withdrawals) as you’re able—rewarding you with more dividends for each savings tier you reach.
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!
Download the Mobile Banking App
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.
Avoid Tax Scams
The Smart Borrower’s Guide
Personal Loans vs. Credit Cards
Ready to Start Saving?
Join now to get access to the competitive rates, reliable banking products, and educational resources you need to create a foundation for an exceptional financial future.
