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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.
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.
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