Questions and answers

Can you just join a credit union?

Can you just join a credit union?

Joining a credit union Anyone can become a member, however you must share a ‘common bond’ with other members such as: Live or work in the same area. Work for the same employer as other members.

How do I join the Municipal Credit Union?

Applying for Membership

  1. Online.
  2. In Person. Visit one of our branches during normal business hours and bring the following: a) Proof of identity (a clear copy of an unexpired Government issued ID) b) Proof of eligibility (current job ID or pay stub)

Can I get my wages paid into credit union?

Salary / Wages paid directly into your Credit Union account Your Credit Union account can accept Wages / Salary payments directly from your employer.

Can anyone open a MCU account?

With MCU, it’s simple: if you or an immediate family member lives or works in Hood or Johnson County, or in zip codes 76028 & 76036, you can join us.

What are the benefits of MCU?

Features & Benefits: Access to an MCU Cash Connection ATM Card. Convenient access to funds through ATMs, NYMCU Online/ Mobile Banking and Touch Tone Teller. Deposit via Payroll Deduction or Direct Deposit. Dividends compounded quarterly and credited on the last business day of each quarterly.

Do credit unions check your credit to open a checking account?

Though banks and credit unions don’t check your credit score when opening an account, they will sometimes run your ChexSystems report. A ChexSystems report is a like a credit report for banks, displaying previous banking problems such as negative balances, frequent overdraft fees, bounced checks and fraud.

What’s a good credit union to join?

Best Credit Unions of 2021

Credit Union Key features
Golden 1 Credit Union Best credit union for teens and college students.
Consumers Credit Union Best credit union for APY.
America First Credit Union No monthly fee on regular checking account.
Boeing Employees Credit Union High APY on balances below $500.

Is there a credit union in New York City?

This web site,, is the only authorized web site of Municipal Credit Union of New York City, New York. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

What do you need to join a credit union?

Depending on the policies of the financial institution, you may be required to provide additional documentation such as proof of address, Social Security number or Individual Taxpayer Identification Number (ITIN), or a small initial deposit. Credit unions have additional membership requirements.

How much does it cost to join NYU FCU?

A minimal deposit of $50 into a savings account and $10 one time membership fee establishes your Membership and gives you a share in ownership. As a member, you share in NYU FCU’s earnings.

Who are the members of the NYU FCU?

Membership is open to all students, faculty, staff, NYU alumni, retiree and their immediate family members. An individual who resides in and shares financial responsibility of a household with a NYU FCU member. then NYU FCU membership is open to you.