Rates

Savings

These rates are in effect as of Thursday, April 22, 2021.

Minimum Opening DepositAverage Daily Balance Required To Earn APYAnnual Percentage YieldDividend Rate
Share Accounts
$5.00$50,000.00 - and over0.05%0.05%
$5.00$4,000.00 - 49,999.990.05%0.05%
$5.00$1,000.00 - 3,999.990.01%0.01%
$5.00$500.00 - 999.990.01%0.01%
Smart Apple Savers/Future Investors Club
$10.00-0.05%0.05%
Holiday/Vacation Club
$5.00-0.05%0.05%
Open Now
View Disclosure
APY = Annual Percentage Yield

These are variable rate accounts and the rate may change after the account is opened. Fees and other conditions could reduce earnings.

The disclosed Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date.

Minimum Opening DepositAverage Daily Balance Required To Earn APYAnnual Percentage YieldDividend Rate
Money Market Rates
$2,500$50,000.00 - and over0.15%0.15%
$2,500$25,000.00 - $49,999.990.10%0.10%
$2,500$10,000.00 - $24,999.990.06%0.06%
$2,500$2,500.00 - $9,999.990.06%0.06%
Open Now
View Disclosure
APY = Annual Percentage Yield

The disclosed Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date.

These are variable rate accounts and the rate may change after the account is opened.

Fees and other conditions could reduce earnings.

*If your money market account’s average daily balance for a calendar month is less than $2,500.00, no dividend will be earned for that month and your account will be assessed a service charge (fee) of $5.00 at the beginning of the next month.

AccountMinimum Opening DepositMinimum BalanceTerm (months)Annual Percentage YieldDividend Rate
Share Certificate and IRA Rates
6-Month Share Certificate$500$50060.01%0.01%
12-Month Share Certificate$500$500120.05%0.05%
24-Month Share Certificate$500$500240.10%0.10%
36-Month Share Certificate$500$500360.30%0.30%
Deposit Plus Share Certificate$250$250180.05%0.05%
Secured Visa Share Certificate$300$300180.05%0.05%
IRA 06-Month Share Certificate$500$50060.01%0.01%
IRA 12-Month Share Certificate$500$500120.05%0.05%
IRA 18-Month Share Certificate$100$100180.05%0.05%
IRA 24-Month Share Certificate$500$500240.10%0.10%
IRA 36-Month Share Certificate$500$500360.30%0.30%
Open Now
View Disclosure
APY = Annual Percentage Yield

The APY is accurate as of Thursday, April 22, 2021.

The IRA 18-Month Share Certificate Account is a variable rate account and the rate may change after the account is opened. All other Share Certificate Accounts are fixed-rate accounts. A penalty may be imposed for early withdrawals.
The APY is accurate as of Thursday, April 22, 2021.

These rates are in effect as of Thursday, April 22, 2021.
Rates and terms are subject to change without notice.

Join MCU

Products & Services

Rates

Advice & Planning

Online Banking

ABout MCU

Member Service

         

Copyright 2021 Municipal Credit Union. All rights reserved. Privacy Policy  Online Privacy Policy

This web site, www.nymcu.org, is the only authorized web site of Municipal Credit Union of New York City, New York. 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.

This website strives to comply with the best practices and standards as defined by Section 508 of the U.S. Rehabilitation Act and level AA of the Worldwide Web Consortium (W3C) Web Content Accessibility Guidelines 2.0. If you experience trouble accessing this website or would like to share feedback, please contact us at 212-693-4900.

MCU’s services and products are directed to members residing in the United States.

  • youtube facebook
    twitter instagram

Routing Number: 226078036

  • 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.