The right equation for your financial future

Strong. Trusted. Growing.

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MCU offers you:

Checking Savings Online Banking Convenient ATMs

Credit Cards Personal Loans Auto Loans Financially Fit Series

For more information on our MCU? Program and how to join MCU, visit us at or call 212-693-4900.



*Minimum balance charge is waived if your share (savings) account was opened under MCU? program within the last five years and the member is under the age of 25.

Federally insured by NCUA

MCU 568 12/17

Guide

Checking Savings

Credit Cards/Loans Financially Fit Series

The right equation for your financial future

Your focus is on the future and we're here to help you reach your financial goals. MCU? is a program that provides the right equation for your financial needs. Now college students have a smart way to manage their money today and plan for what's ahead.

With no minimum balance fees for up to five years,* convenient access to your funds, online and mobile banking, and the benefits of an MCU? Debit Card, becoming a member is an easy decision!

To join the MCU? program, you must be between 17-24 years of age, a college student and otherwise be eligible for membership.

Checking

Minimum Deposit to Open

Monthly Service Fee

Overdraft Protection**

How to Manage Funds

$0

None

Minimum - $250 Maximum - $2,000

ATMs, NYMCU Online/Mobile Banking, MCU Branches and MCU's Automated Service-Touch Tone Teller

Additional Products/Benefits

MCU? Debit Card

? Access your funds at thousands of ATMs ? Three (3) ATM fee refunds up to $7.50 per month*** ? Point of Sale purchases directly from your FasTrack Checking account ? Receive detailed monthly statements ? Find an ATM via text message # 692667

Direct Deposit/ Payroll Deduction

NYMCU Mobile Banking

Mobile Check Deposit

NYMCU Online Banking

? Paycheck available the day before payday ? Automatically eligible for $250 Overdraft Line of Credit ? Never wait in line to cash/deposit paycheck

? Manage your accounts ? Find nearby branches and ATMs

? View and transfer funds ? Check balances

? Use your Smartphone to securely deposit checks into your MCU Account via NYMCU Mobile Banking ? Receive notifications when funds are successfully deposited

? View account and loan balances ? Apply for a loan ? Receive account alerts via email/mobile phone ? Transfer funds internally and externally

e-Statements BillPay

? No fees ? View previous 24 months of statements and inserts ? Receive your monthly statements faster and easier

? No fees ? Make easy online payments

? Set up payees list ? Receive e-notifications

** Overdraft Protection is a loan (subject to approval), the terms of which are set forth in the "Overdraft Protection Line of Credit Agreement." *** If you initiate a transaction from an ATM not owned by MCU, a separate fee may be imposed by the ATM operator or by any network, regional or local network

utilized to effectuate the transaction. We will credit your account for three (3) of these types of transactional fees per month, which credit shall not exceed $7.50.

Savings

Share Account

Deposit Plus Share Certificate Account

Club Accounts Holiday Vacation

? Basic savings account at MCU ?M inimum balance charge is waived if your share (savings) account was opened under MCU? program

within the last five years and the member is under the age of 25 ? Convenient access to funds through ATMs and NYMCU Online/Mobile Banking ? Automatic Payroll Deduction/Direct Deposit available

?An 18-month savings account that offers a competitive fixed rate to help you meet your long or short term savings goals

? Minimum deposit of $250 ? Additional deposits can be made automatically via Direct Deposit or Payroll Deduction

? Specialized savings account for future expenses, holidays, or vacations ? $5.00 minimum opening deposit ? Dividends compounded and credited monthly ?The balance from your Club Account will be automatically deposited into your Share or FasTrack Checking

Account on the following dates: Holiday ? First week of November Vacation ? First week of May

Credit Cards/Loans

MCU? VISA? Card

? Low Interest rate with no annual fee, no balance transfer fee and no penalty rate fee* ? 0% Introductory Rate* ? Credit Lines from $500 to $3,000

Personal Loans

? Low interest rates and affordable payments ? Consolidate your bills and lower your payments ? Get extra cash for unexpected expenses

Auto Loans

? Low interest rates and flexible terms ? Up to 125% financing available ? Pre-approved financing available ? Rate is locked in for up to 30 days while member shops for car ? No down payment for qualified borrowers

Loan products are available to members 18 years of age and older and subject to credit approval.

* APR = Annual Percentage Rate. Introductory APR for new cardholders on new purchases and balance transfers is 0% for the first 6 months that your account is open. After the introductory period expires, currently 12.90%?this post-introductory APR may vary. Balance transfers from another MCU loan or MCU VISA Card are not permitted. The APR for Cash Advances for all VISA cards is a fixed 17.90%. Cash Advance Fee for the MCU? VISA Card is 3% of the amount advanced but not less than $2.00 or more than $30.00. If interest is charged the minimum periodic interest charge is $0.50. There is a foreign transaction fee of 1% of each foreign transaction in U.S. dollars. Certain restrictions apply. Membership is required.

Financially Fit Series

MCU's Financially Fit Series provides you with the tools and education you need to navigate the basics of personal finance. Highlights of the series include: ?U nderstanding Credit ? The Importance of Budgeting ? Identity Theft For more information on our Financially Fit Series, email us at financialfit@

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