Municipal Credit Union CD Rates — Verified APYs · Updated October 2026

See institution-verified CD rates, terms, and APYs from Municipal Credit Union and compare them on CD Valet’s unbiased marketplace.

HomebreadcrumbAbout Municipal Credit Union
bank logo

Municipal Credit Union

Insured by NCUA
right visual
icon5
BauerFinancial Ratings
Team member 1
Team member 2
Verified by
CD Valet Rate Specialists
•Reviewed by
Bryan Johnson, C.F.A.®
checkMark-Icon
Updated October 5, 2026

About Municipal Credit Union

Municipal Credit Union is a federally insured financial institution that offers deposit products including certificates of deposit (CDs) and savings accounts. CD rates and terms may vary depending on duration and market conditions. Deposits are insured by the NCUA up to applicable limits.

Empowering NYC, One Member at a Time

At Municipal Credit Union, we are committed to empowering hard working New Yorkers to make the most of their hard-earned money. For more than 100 years, MCU has provided affordable financial products and convenient services to over 600,000 members. As a not-for-profit financial institution, we prioritize our members by offering competitive rates, valuable financial tools, and personalized services tailored to the unique challenges of living in NYC.

Left Side Image
Right Side Top ImageRight Side Bottom Image
1 / 0
3.00
%
APY1
High Yield Savings
$5,000
Min. Amount
No Limit
Max. Amount
None
Fee/Charges
Deposit $5,000 or more of “new to MCU money” and grow your savings at 3.00% APY—nearly 8+ times the national average for traditional savings accounts!
View More
1APY=Annual Percentage Yield. The APY is effective as of May 4, 2026. This is a variable rate account, and the rate may change after the account is opened. Eligibility for Advertised APY: To qualify for the advertised APY, you must deposit $5,000.00 “new to MCU money” directly into the High Yield Savings Account (“Account”). “New to MCU money” is defined as money not currently maintained in any MCU account. Until the minimum of $5,000.00 in “new to MCU money” is deposited, dividends on the Average Daily Balance in the High Yield Savings Account will accrue at the same APY as the Hero Savings Account with the corresponding Minimum Balance to Earn the Stated APY for the Hero Savings Account. After the required amount of “new to MCU money” is deposited into the Account, there is no minimum balance to earn the posted High Yield APY and any High Yield Savings Account balance will earn dividends at the posted High Yield Savings APY. The dividend rate and APY is subject to change. Deposits and/or transfers can be made from an existing MCU account at any time, but any deposits or transfers from an existing MCU account will not count towards the “new to MCU money” requirement. Minimum Opening Deposit: A minimum of $100.00 opening deposit is required. Fees: There are no Account specific fees. Standard fees applicable to MCU membership and deposit accounts apply. +Source of average bank savings: FDIC National Rates and Rate Caps published on January 21, 2025. National average is subject to change without notice. Insured by NCUA.
CD Rates
High Yield Savings Accounts
Municipal Credit Union CD RatesAPY Updated on 05/04/2026
Restrictions

CD Rates

APY Updated on 05/04/2026

DropDownArrow
sort
Restrictions
4.07%
APY
12 Mo Special- New Money Required
Term
$5,000
Min. Deposit
No Limit
Max. Deposit
3.82%
APY
36 Mo
Term
$500
Min. Deposit
No Limit
Max. Deposit
See All Rates

High Yield Savings Accounts

APY Updated on 05/04/2026

DropDownArrow
sort
Restrictions
3.00%
APY**
New Money Required
$5,000
Min.Bal
$100
Min.Depo
This page provides current CD rate data and basic information to help you compare options across banks and term lengths. Want to see how this bank compares to others? View today’s best CD rates
Highlights
Map-image
Address
P.O. Box 3205, Church Street Station, New York City, NY 10007

Helping You Lock In Savings.
CD Account Opening
group-tick-imageOpen Online
group-tick-imageOpen By Phone
group-tick-imageOpen In Branch
Customer Support
group-tick-imageBranch
group-tick-imagePhone
Additional Features
group-tick-imageElectronic Funding
group-tick-imageFixed Rate
group-tick-imageNo Setup or Service Fees
trustpilot-icon
Share Your Experience with Municipal Credit Union

Help other savers make informed decisions by sharing your experience with financial products you've explored. Your review helps the CD Valet community find trustworthy institutions.

It's fast and easy!
empty-star
empty-star
empty-star
empty-star
empty-star
No reviews yet

Be the first to share your experience with this institution and help fellow savers.

Powered by:trustpilotTrustpilot
Frequently Asked Questions
Are all CD rates listed on CD Valet federally insured ?
downward-arrow
CD Valet only shows rates from financial institutions that are federally insured. Typically, most banks are federally insured by the FDIC while credit unions are insured by NCUA. Some financial institutions are privately insured. In general, the FDIC and NCUA insure up to $250,000 per depositor. FDIC coverage is based on account ownership and structure. Depending on ownership, CDs can be insured for more than the standard $250,000. Consumers should check the insured status of the financial institution they are considering. Please contact the bank or credit union directly to determine the insurance eligibility of your deposits.
I'm interested in opening a certificate of deposit with a financial institution listed on CD Valet. How do I open the account ?
downward-arrow

CD Valet shows the most competitive CD rates offered by thousands of banks and credit unions nationwide. Found a great rate? If the CD is offered by one of our partner financial institutions, you can easily and securely start the account opening process by clicking “Open Now.” You will be re-directed to the financial institution’s digital account opening process or prompted to provide your contact information so the financial institution can reach out to you to open your account. If the CD is not one of our Featured CDs, you can navigate to the financial institution’s website to learn how to open an account with them. If you have any questions, please reach out to the financial institution or contact our team at support@cdvalet.com.

I'm opening a CD I found on CD Valet. Is my account with CD Valet or the financial institution ?
downward-arrow
Congrats on finding a great rate! As an online marketplace, CD Valet does not offer CD products – our site displays rates offered by federally insured banks and credit unions. Your deposit is with the financial institution you’ve chosen to open an account. CD Valet is not involved in your transaction with the financial institution.
Why are there certain CD offerings that are not available for me to open ?
downward-arrow
Some financial institutions – mainly community credit unions – may have specified geographic restrictions or membership criteria that must be met to open an account with them. For example, a community credit union in Texas may only offer its financial services to Texas residents that live, work, or attend school in a defined Texas county. In these cases, you may sometimes find a rate on CD Valet that may not be eligible to you or available in your state. We recommend using our ✨Customize Your Search feature to filter for rates that may be available specifically in your state.
Which bank has the highest CD rates right now ?
downward-arrow

CD rates change frequently based on market conditions, Federal Reserve policy, and individual bank strategies. The institution offering the highest CD rate today may differ tomorrow, and the best rate can also vary depending on the term length and minimum deposit requirements.

To see which banks and credit unions are currently offering competitive returns, you can review this month's CD rate recommendations and compare options nationwide.
Does Municipal Credit Union offer CDs ?
downward-arrow
Yes, Municipal Credit Union offers certificate of deposit (CD) accounts with fixed interest rates across multiple term lengths.
Are CDs from Municipal Credit Union NCUA insured ?
downward-arrow
CDs from Municipal Credit Union are typically issued by a federally insured institution and are covered up to applicable NCUA limits.
How do CD rates vary at Municipal Credit Union ?
downward-arrow
CD rates vary based on the selected term length and current market conditions.
  • CD Valet
  • The smart saver's trusted source for verified, high-yield CD rates from federally insured banks and credit unions.
social-iconsocial-iconsocial-icon

Overview


Tools

* Annual Percentage Yield (APY) for certificates of deposits are from the latest rate surveys which are updated as often as daily. Rates are based on publicly available data for CD products. Additional restrictions and requirements may apply. The APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed if funds are withdrawn prior to maturity. Fees and penalties may reduce earnings. The APY for variable CD Rates may change after the account is opened.

** Annual Percentage Yield (APY) for High Yield Savings Accounts (HYSA) are effective as of the date shown above. HYSA are variable rate accounts. Rates may change after the account is opened. Fees may reduce earnings. Additional restrictions and requirements may apply. Please review the account deposit agreement and fee schedule for the financial institution for further information regarding fees, terms, and conditions.

Tiered rates may be included in the account listings. Please refer to the financial institution's website for the full listing of any tiered rates. Visitors should independently verify all terms, conditions, and limitations including, but not limited to deposit insurance coverage, credit union eligibility and membership requirements. CD Valet is not a federally insured deposit institution; deposit insurance is offered through the bank or credit union. CD Valet is compensated by a limited number of financial institutions that have either contracted marketing services with CD Valet or have an Open Now or affiliate link on CD Valet. Visit our Privacy and Disclosure Center to read related disclosures and policies of CD Valet and its partners.

scrollLogo