# Municipal Credit Union (MCU)

> Municipal Credit Union (MCU) is a member-owned financial institution serving New York City municipal employees, health care professionals, and select employee groups. MCU provides checking, savings, credit cards, auto loans, mortgages, and wealth management designed to help members achieve financial success.

## Core Financial Products & Services

- **[Checking Accounts](https://www.nymcu.org/personal-banking/everyday-hero):** Digital-first checking options with debit card access, fee-free ATM networks, and overdraft protections.
- **[Savings & Certificates](https://www.nymcu.org/personal-banking/savings/high-yield-savings):** High-yield savings, money market accounts, individual retirement accounts (IRAs), and share certificates.
- **[Borrowing & Loans](https://www.nymcu.org/lending/consumer-lending):** Competitive-rate auto loans, personal loans, home equity lines of credit (HELOCs), and fixed-rate mortgages.
- **[Credit Cards](https://www.nymcu.org/personal-banking/credit-cards):** Visa credit card options offering cash back, rewards, or low introductory interest rates.
- **[Digital Banking](https://www.nymcu.org/personal-banking/account-services/digital-banking):** Mobile banking app and online banking platform supporting remote deposit capture, bill pay, and secure transfers.
- **[Wealth Management](https://municipalwealthbuilders.nymcu.org/wealth-management-home):** Personalized wealth management, retirement planning, financial advisor access, and investment services provided by Municipal Wealth Builders.

## Essential Member Resources

- [Main Website Homepage](https://www.nymcu.org/) - The primary portal for online banking logins, promotions, and institution announcements.
- [Become a Member](https://www.nymcu.org/join) - Eligibility requirements, benefits, and the online application to join the credit union.
- [Rates Page](https://www.nymcu.org/rates) - Up-to-date dividend rates for savings products and current annual percentage rates (APR) for loans.
- [Financial Education](https://www.nymcu.org/member-resources/financial-education) - Educational resources, tools, articles, and financial literacy guidance to help members build strong financial habits.
- [Branch & ATM Finder](https://www.nymcu.org/branch-and-atm-locations) - Physical address coordinates, operating hours, and surcharge-free ATM maps across NYC and the surrounding boroughs.
- [Schedule an Appointment](https://www.nymcu.org/schedule-an-appointment) - Online booking system to schedule in-person or virtual consultations with member service representatives.
- [Contact & Support](https://www.nymcu.org/contact) - Customer service phone routing numbers, secure messaging links, and lost/stolen card reporting info.