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