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12-MONTH SHARE CERTIFICATE
Work Hard, Save More!
For a limited time open an account with $5,000 in New-to-MCU money and activate your 4.334% APY* bonus rate
UNLOCK AN EXCLUSIVE RATE WITH NEW FUNDS
You work hard for your money — we make sure it works just as hard for you.
Lock in guaranteed growth with MCU’s 12-Month Share Certificate at 3.82% APY.
Start with as little as $500 — add $5,000+ in new-to-MCU money to unlock your bonus today. 4.334%APY**.
Whether you’re saving for a big purchase, dream vacation, or growing family, this limited-time offer is the smart way to make your money work harder for you.
FEATURES:
-
GUARANTEED RETURNS
Your savings deserve more. Lock in a competitive rate and enjoy predictable, guaranteed returns on your hard-earned money. -
SECURITY
Feel secure knowing your funds are federally insured up to $250,000 by the NCUA, ensuring your financial peace of mind while your savings grow. -
FLEXIBILITY
Plans change. With an MCU Share Certificate, you can decide what to do with your funds as your term nears its end—whether to reinvest or withdraw.
Today's Rates

12-Month Share Certificate
start with $500
3.815 %
APY**
12-Month New Money Offer
$5000 and higher
4.334 %
APY**FAQs
Can I be sure that my deposits are safe?
Where can I find MCU branches and fee-free ATMs?
Are my deposits insured?
Who can I contact if I have questions about my account?
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?
Can I extend my Share Certificate term for another investment once my term is up?
*APY = Annual Percentage Yield
The APY is accurate as of 7/15/25.
12 Months – $5k New Money Share Certificate: You may be eligible for a 0.50% increase on the current Dividend Rate on the 12 Months Share Certificate account if you meet certain eligibility requirements. To be eligible, you must open a 12 Months – $5K New Money Share Certificate account or renew an existing 12 Months Share Certificate account in-person at one of our branches or through our mail-in renewal process. You must also deposit a minimum of $5,000 of New Money into the Share Certificate account at the time of opening or renewing. "New Money" is defined as funds that are not on deposit in any MCU account. Any funds that you want to deposit in addition to the $5,000 of New Money may come from accounts you currently have with us and those additional funds will earn the stated APY. The 12 Months – $5K New Money Share Certificate account is not offered through our Digital Banking platform and the 12 Months Share Certificate cannot be renewed into a 12Months – $5K New Money Share Certificate through our Digital Banking platform. The account will automatically renew into the 12 Months – Share Certificate and will be subject to the Dividend Rate, APY, and other terms and conditions of the 12 Months – Share Certificate in effect at the time of renewal unless the account is closed prior to maturity or during the ten (10) day renewal grace period or the eligibility requirements of the 12 Months – $5K New Money Share Certificate at satisfied during the ten (10) day renewal grace period. An early withdrawal penalty will apply if the account is closed prior to maturity.