Products & Services

Student Banking

Features & Benefits:

  • Checking Account – no minimum deposit to open *
  • MCU² Debit Card - three (3) ATM fee refunds up to $7.50 per month**
  • Savings Account- minimum balance charge is waived if your share (savings) account was opened within the last five (5) years and the member is under the age of 25
  • MCU² VISA® Card - A great way for students to establish and build credit
  • Loans - Personal Loans and Auto Loans with low interest rates, affordable payments and flexible terms.***
  • Deposit via Payroll Deduction or Direct Deposit
  • NYMCU Digital Banking
  • Mobile Check Deposit
  • eStatements
  • MCU BillPay

* Active Share Account is required.

** If you initiate a transaction from an ATM not owned by MCU, a separate fee may be imposed by the ATM operator or by any network, regional or local network utilized to effectuate the transaction. We will credit your account for three (3) of these types of transactional fees per month, which credit shall not exceed $7.50.

*** Loan products are available to members 18 years of age and older and subject to credit approval.

Student loans for all types of students. Get the money you need for school.

Student loans from Sallie Mae® could help!

Whether you’re an undergraduate, career training or graduate student these flexible student loans are designed to meet your needs:

  • Competitive variable and fixed interest rates
  • No origination fee or prepayment penalty
  • Multiple repayment options

Undergraduate and career training students

Smart Option Student Loan®
Pay for your bachelor's, associate's, or certificate expenses at a degree-granting school or for a professional training and trade certificate courses (culinary, technical, etc.) at a non-degree granting school.


Graduate School Loan
Pay for expenses as you pursue your master’s and doctoral degrees

MBA Loan
Pay for your business school expenses as you pursue your Masters of Business Administration degree

Medical School Loan
Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine

Dental School Loan
Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics

Graduate School Loan for Health Professions
Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs

Law School Loan
Pay for your school and associated expenses as you study for your law degree

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Routing Number: 226078036

NMLS #:184286

  • ncua Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.