Products & Services

Student Banking - MCU²

MCU² is a student banking program designed for eligible college students between the ages of 17-24.

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.

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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.