11-Month Share Certificate | Municipal Credit Union

Build Bigger. Faster. Smarter.

Earn 4.40% APY* with an 11-Month Share Certificate
— New to MCU Funds Only¹

Whether you’re building your nest egg, laying the foundation for future plans, or finally getting started on that big project, your savings should work as hard as you do.

Open an 11-Month Share Certificate today and earn 4.40% APY* on $5,000 or more in new to MCU money¹ — and watch your savings build real results.

FEATURES:

Earn 4.40% APY for 11 months
Available for new to MCU money¹ — $5,000 minimum deposit
Secure and insured — backed by the NCUA

START BUILDING TODAY

*APY = Annual Percentage Yield

¹To be eligible, you must open an 11 Months – New Money certificate account. A minimum balance of $5,000.00 of New Money† is required to open a 11 Months – share certificate. You may deposit additional New Money into the 11 Months – New Money certificate account for up to seven (7) days from the date the account is opened. All money deposited into the account must be New Money. New Money is defined as funds that are not on deposit in any MCU account. After seven (7) days from opening the 11 Months – New Money certificate account, no additional deposits are permitted into the account until the renewal period. The account will automatically renew into the Promotional 9 Month certificate and will be subject to the Dividend Rate, APY, and other terms and conditions of the 9 Month certificate in effect at the time of renewal unless you close the account during the ten (10) day renewal grace period.

FAQs

Can I be sure that my deposits are safe?

The National Credit Union Administration (NCUA) insures MCU deposits, so you can trust that your funds are safe. The NCUA is an independent federal agency that insures deposits at federally insured credit unions, protects the members who own credit unions, and charters and regulates federal credit unions. Your savings are federally insured to at least $250,000 by the full faith and credit of the United States Government. Additionally, the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) provides federal production to IRAs up to $1 million (some restrictions may apply depending on roll-over status and uniquely unqualified accounts).

Where can I find MCU branches and fee-free ATMs?

Check out our page featuring all of our branches and ATMs. Choose from any of our 15 locations, and search for various fee-free ATM options.

Are my deposits insured?

Your savings are federally insured by the National Credit Union Administration (NCUA), a U.S. Government Agency. Savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Who can I contact if I have questions about my account?

You have questions, and we have answers! Feel free to reach out to the MCU Contact Center, and we'll help you by providing the answers you need.

Hours: Monday - Friday: 7:00am -7:00pm
Saturday: 9am - 2pm
Sunday: Closed
1-844-MCU-NYNY (1-844-628-6969)

What happens if I need the money in my Share Certificate Account before the term is up?

You may access the money in your Share Certificate Account before the term is officially up, but there will be an early-withdrawal penalty.

Can I extend my Share Certificate term for another investment once my term is up?

Yes, unless instructed otherwise, your Share Certificate will automatically renew at maturity. However, there will be a grace period in which you may access your funds if needed.

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Build More
In Less Time

Grow your savings in only 11 months, with a 4.40% APY^*

Build Bigger. Faster. Smarter.