View Welcome Notice
WELCOME TO THE NEW MCU WEBSITE

We're excited to announce that the MCU website has been rebuilt and redesigned for an improved banking experience. Discover the exciting changes and enhanced features by visiting our dedicated information page.

Click here for more details.

Share Certificate Icon
Share Certificate Accounts

High-Yield Savings You Can Set, Forget, and Grow

Like a Certificate of Deposit (CD), an MCU Share Certificate Account makes your savings plan easy—you’re in control of the terms. Just choose the length of your account, make your initial deposit, and watch your savings grow with our highest available dividend rates.

Join MCU Today
full-pattern-left-side
full-pattern-right-side
paint-stroke-left-side-cropped
paint-stroke-right-side-cropped

You Set the Term, You Decide What Dividends You Earn.

Like a CD, a fixed-rate Share Certificate is a type of savings product that earns a set annual percentage yield (APY) rate over its entire term. This means that you, as an MCU member, can expect to earn consistent dividends for the period of time (or “term”) that you agree to keep money with us.

4ddc5a33fb5251c79ff946f154ac84fb
get-rewarded-for-growing-nest-money_dots

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.

When Should You Take Social Security?

When Should You Take Social Security?

Filing for Social Security benefits as soon as you can  — or shortly thereafter —  a few years early may seem like a good idea at first. The money is ...
How To “Trick” Yourself Into Saving More

How To “Trick” Yourself Into Saving More

With inflation high and money tight for so many of us, there’s never been a better time to re-examine how we’re managing our finances and to make some moves to save more. ...
How Much Should You Save For Retirement?

How Much Should You Save For Retirement?

In a perfect world, you would start saving for retirement with your very first paycheck and keep at it until the day you left your job some 40 years later. But not everyone works ...
FAQs

Get Answers to Our Most Frequently Asked Questions.

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: 9 am - 2 pm
Sunday: Closed
Greater New York City:
(212) 693-4900

Outside New York City:
(800) 323- 6713

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.

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.

Join MCU Today
Learn More About Membership
final-cta-green-visual-asset_left
final-cta-visual-asset_right
final-cta-visual-asset-paint-stroke
Disclosures

* APY = Annual Percentage Yield. Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date. Rates and Terms are subject to change without notice. For more details, see our Rates page.

The IRA 18-Month Share Certificate Account is a variable rate account and the rate may change after the account is opened. All other Share Certificate Accounts are fixed-rate accounts. A penalty may be imposed for early withdrawals.

For the 15 Month Share Certificate: Minimum Opening Deposit = $0.00. A minimum of $5.00 is required to earn APY. Upon maturity, the 15 Month Share Certificate will roll over into a 12 month Share Certificate.

You are now leaving the Municipal Credit Union website and entering a website hosted by another party. A link to this site is being made available for convenience and informational purposes only. Any products or services accessed through this link are not being provided by Municipal Credit Union and are solely the responsibility of the vendor or merchant hosting this other website. Please be advised that the vendor or merchant hosting this other website may have a privacy and information security policy that is different than that of Municipal Credit Union. Municipal Credit Union disclaims any responsibility for the content of the third-party website you are about to access.