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⚠️ Member Alert: Delayed Opening – Georgetown Branch

Our Georgetown Branch, located at 2142 Ralph Avenue, Brooklyn, NY, will have a delayed opening today.

Please check back for updates.
We apologize for any inconvenience and appreciate your understanding.

 

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    SHARE CERTIFICATES

    Build More
    In Less Time

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

    See Share Certificate details below. 

    Get Started Today
    Schedule An Appointment

    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.

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

    Features & Benefits

    • Low minimum opening deposit 
    • Guaranteed returns
    • Flexible maturity options from 6-36  months
    • Funds are insured up to $250,000 by NCUA
    Get Started

    Today's Rates

    share-certificate

    Share Certificate

    9-Month

    3.50 %

    APY(*)
    share-certificate

    Share Certificate

    12-Month

    3.815 %

    APY(*)
    share-certificate

    Share Certificate

    11-Month-Bonus Rate

    4.40 %

    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.

     
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    Banking That’s Always by Your Side

    Digital Banking and the NYMCU Mobile Banking App make it easy to achieve your financial goals with helpful tools.

    With easy-to-use features, you can ensure your goals are met while managing your finances conveniently from anywhere.
    Download the Mobile Banking App
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    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.

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    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.

    Join Us
    Learn More About Membership
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    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.

    *APY = Annual Percentage Yield
    The APY is accurate as of 7/15/25.
    **To 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.

    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.
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