12-Month New Money Share Certificate | Municipal Credit Union

UNLOCK AN EXCLUSIVE RATE WITH NEW FUNDS

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.

Don’t wait—start today and boost your savings with our exclusive 12-Month New Money Share Certificate at 3.56%APY**.

Visit a branch near you to get started.

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.
EXCLUSIVE
Only new money qualifies for offer.

Today's Rates

12-Month New Money Offer

$5000 and higher

3.56 %

_APY**

**APY = Annual Percentage Yield. (CLICK TO LEARN MORE)

$5000 new money minimum balance to open and earn APY shown. APY is accurate as of the last dividend declaration date. Penalties apply for early withdrawals from certificates. Fees could reduce earnings. MCU reserves the right to end or modify this offer at any time. For more details see our Rates page.

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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