Bank Reviews

Municipal Credit Union – CD Rates, Savings, Interest, Bank Rates

Municipal Credit Union in New York, is a credit union backed by the NCUA and insured against deposits of $250,000. Municipal Credit Union offers a lot of banking products, enough to satisfy the eight million residents of New York, including: credit cards, deposit accounts, lending, etc.

Municipal Credit Union CD Rates:

  • 3-Month Share Certificate with min of $500 – 0.25% APY
  • 6-Month Share Certificate with min of $500 – 0.35% APY
  • 9-Month Share Certificate with min of $500 – 0.45% APY
  • 12-Month Share Certificate with min of $500 – 0.75% APY
  • 24-Month Share Certificate with min of $500 – 1.19% APY
  • 30-Month Share Certificate with min of $500 – 1.19% APY
  • 36-Month Share Certificate with min of $500 – 1.44% APY
  • Deposit Plus Share Certificate with min of $250 – 0.75% APY
  • Secured Visa Share Certificate with min of $300 – 0.75% APY
  • IRA 03-Month Share Certificate with min of $250 -0.25% APY
  • IRA 06-Month Share Certificate with min of $250 – 0.35% APY
  • IRA 09-Month Share Certificate with min of $250 – 0.45% APY
  • IRA 12-Month Share Certificate with min of $250 – 0.75% APY
  • IRA 18-Month Share Certificate with min of $250 – 0.75% APY
  • IRA 24-Month Share Certificate with min of $250 – 1.19% APY
  • IRA 30-Month Share Certificate with min of $250 – 1.19% APY
  • IRA 36-Month Share Certificate with min of $250 – 1.44% APY

Savings, Money Market Rates:

Savings rates yields 0.75% with an astounding $50,000. With the required minimum of $500 the savings rate drops to  just 0.10%. It’s best to go with an online savings account, as rates yield over 1.00% without deposit requirements.  Their future/smart savings yields 0.40% with a minimum of $10.

Money Market Rates, are no better than their savings and certificate of deposit rates – earn just 0.65% on $50,000.

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