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SHARE CERTIFICATES
Growth You Can Count On
A fixed rate that helps you plan with confidence.
Work Hard, Save Smart!
Enjoy higher dividends than basic savings accounts with terms from 6 to 36 months to match your short-term or long-term goals.
Features & Benefits
- Low minimum opening deposit
- Guaranteed returns
- Flexible maturity options from 6-36 months
- Funds are insured up to $250,000 by NCUA
Today's Rates
Share Certificate
9-Month
3.50 %
APY(*)Share Certificate
12-Month
3.815 %
APY(*)Share Certificate
24-Month-Bonus Rate
3.56 %
APY(*)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.
*APY = Annual Percentage Yield
The APY is accurate as of today's date.
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.
Ready to Join the MCU Community?
Apply now to get access to the competitive rates, personal banking products, and educational resources you need to create a foundation for an exceptional financial future.
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)

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