MCU (Municipal Credit Union) Review
MCU serves NYC municipal employees and their families with low‑fee banking, high‑yield savings, and member education programs.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | MCU Freedom Checking | No monthly fee |
Savings: | MCU Savings | 18.00% APY |
Credit: | MCU Rewards Mastercard | 1% cash back |
Mortgage: | 30-Year Fixed | 3.88% interest rate |
Fee Rating
3.0/5
Lower is better
FDIC Insured
Yes
Certificate: 021303085
Digital Banking
4.1/5
Online & Mobile Experience
Branch Network
14
Physical Locations
Key Features
- No‑fee checking; high APY; member events.
Bank Information
Routing Number
021303085
SWIFT Code
MCUNUS33
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-212-693-4900
Mon–Fri 8am–8pm ET
Headquarters
New York City, NY, USA
Years in Business
109 years (Est. 1916)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–20 chars
Two-Factor Authentication
SMS
Forgot Password
Reset PasswordSecurity Features
256‑bit SSL
Login Instructions
Enter Member # & password → verify
Login Help
Call customer service: 1-212-693-4900
Hours: Mon–Fri 8am–8pm ET
Products & Services
Accounts & Products
Checking
MCU Freedom Checking
Monthly Fee
$0
Minimum Balance
$0
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$27.5
ATM Fee
$2
Savings
MCU Savings
APY
$18.00%
Annual Earnings
$18.00
Compounds
$Monthly
Minimum Balance
$50
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
MCU Rewards Mastercard
Annual Fee
$0
Cash Back
$1%
APR Range
$14.49% - 24.49%
Network
$Mastercard
Mortgage
30-Year Fixed
Interest Rate
$3.875%
APR
$3.975%
Term
$30 Years
Min Down Payment
$5%
Min Loan Amount
$50,000
Max Loan Amount
$600,000
Digital Banking Experience
Mobile App Rating
Very Good mobile experience
Online Banking
Very Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with MCU (Municipal Credit Union)?
Visit their website to explore account options and start your application