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YOUTH ACCOUNTS
Build a Strong Financial Future
Two options, both tailored for your child's future.
🍎 Smart Apple Savers (Ages 0–21)
- Perfect for our youngest members, Smart Apple Savers helps children begin their savings journey early.
- Open to members ages 0–21
- No minimum balance or monthly fees
- Open with just $0.01
- Earn dividends and receive quarterly statements
- Designed for teens and young adults who are ready to take more ownership of their finances.
- Open to members ages 13–21
- Earn dividends with a new tiered rate structure:
- $0 – $1,000: 2.00% APY*
- $1,000.01 and above: 0.05% APY*
- Ideal for first jobs, school savings, or learning to budget
- Connects with Digital Banking and the NYMCU Mobile App for easy access
We’re proud to serve all who live, work, worship, or go to school in New York City—because wherever your financial journey begins, We’re Here for It.
In College and Want to Save While You Learn?
The MCU² Student Banking Program helps college students by offering easy-to-use personal banking products, as well as educational tools that help build a foundation for an exceptional financial future.
All Your Banking, Accessible Anywhere
Manage all your accounts from anywhere and any device. The NYMCU online and mobile banking applications make it easy to manage your savings accounts, deposits, or any other MCU banking feature. Plus, get access to helpful saving and budgeting tools to make sure your goals are met!
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.
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.
Your Emergency Fund Is Losing Money
Share Certificate vs. Money Market vs. High-Yield Savings
The Hidden Costs of Homeownership Beyond Your Mortgage
Ready to Help Your Whole Family Start Saving?
Join now to get access to competitive rates, reliable banking products, and educational resources designed to help you and your loved ones create a foundation for an exceptional financial future.
