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Branch Closure: Due to a power outage in the area, our Co-Op City Branch will be closed today, July 8, 2026. We apologize for the inconvenience and appreciate your patience. Online and mobile banking remain available for your banking needs.

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CREDIT CARDS

MCU Signature Visa®

MCU Visa® Signature

Get 1.5 points for every dollar spent on eligible net purchases with our MCU Visa® Signature credit card.

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Save on your terms with a Certificate

Earn more with fixed rates and terms from 6 to 36 months. Minimum opening deposits as low as $500.
Certificates
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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

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Share Certificate

12-Month-Bonus Rate

4.07 %

APY(*)
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Share Certificate

9-Month

3.30 %

APY(*)
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Share Certificate

24-Month

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.

 
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Disclosures

*APY = Annual Percentage Yield

The APY is accurate as of today's date. 

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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

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.

Show Me Products For My Life Right Now
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Live, work, worship or study in NYC?

Because we get NYers more, you'll have access to competitive rates, personalized support, and financial education - so you can get more out of NYC.
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