Reward your employees with financial empowerment.

Happy members.

You take great care of your employees’ needs – their workplace, their healthcare, their future. Join with MCU and give them the best in financial services. Great savings and credit products, personable service, and convenient ways to manage their money. What’s the benefit? A healthy financial life means a happy employee. Happy employees mean more productivity. All at no cost to you. MCU does the work – we make it easy for you and your people. You get the credit.

Administration For Children Services

Montefiore Hospital

Beth Israel Hospital

Montefiore Medical Center

Board of Education

MTA Bridges and Tunnels

Bronx Lebanon Hospital Center

The New York Blood Center

Bronx Supreme Court

NYC Department of Corrections

Bronx Zoo

New York Foundling Hospital

Department of Buildings

NYPD

Current MCU Select Employee Groups include:

Department of Citywide Administrative Services

NYPD – School Safety

Financial Educational Seminars

Department of Consumer Affairs

NYPD – Traffic Enforcement

Department of Information Technology and Telecommunications

New York Presbyterian Hospital

Our experts come to you. We show your employees how to manage their finances – and meet their needs. Better financial health. Peace of mind.

Department of Housing Preservation and Development

New York State Housing Finance Agency

Department of Motor Vehicles Department of Probation Department of Sanitation Department of Social Services Downstate Medical Center FDNY GHI Harlem Hospital Metropolitan Transit Authority

Faster Direct Deposit

Low-Cost Uniform Loans

ATM on-site

Our direct deposit is easy and efficient. With MCU, your employees have faster access to their money.

We help newly hired personnel buy uniforms and equipment. Members make biweekly payments via automatic payroll deduction. They avoid costly up-front expenses and build a positive line of credit.

MCU installs full service ATMs on-site for groups with at least 500 employees.

Your People are Our People.

New York State Department of Labor Nyack Hospital Office of the Mayor of the City of New York St. Barnabas Hospital St. Luke’s Hospital St. Luke’s Roosevelt Hospital United Cerebral Palsy of New York State Visiting Nurse Service of NY Wyckoff Heights Medical Center Yonkers General Hospital

r gives you a es employe rtner a p financial e. for lif

www.nymcu.org Get the MCU Edge: Faster Direct Deposit Financial Education Seminars Low-Cost Uniform Loans

Reward your employees with financial empowerment.

Happy members.

You take great care of your employees’ needs – their workplace, their healthcare, their future. Join with MCU and give them the best in financial services. Great savings and credit products, personable service, and convenient ways to manage their money. What’s the benefit? A healthy financial life means a happy employee. Happy employees mean more productivity. All at no cost to you. MCU does the work – we make it easy for you and your people. You get the credit.

Administration For Children Services

Montefiore Hospital

Beth Israel Hospital

Montefiore Medical Center

Board of Education

MTA Bridges and Tunnels

Bronx Lebanon Hospital Center

The New York Blood Center

Bronx Supreme Court

NYC Department of Corrections

Bronx Zoo

New York Foundling Hospital

Department of Buildings

NYPD

Current MCU Select Employee Groups include:

Department of Citywide Administrative Services

NYPD – School Safety

Financial Educational Seminars

Department of Consumer Affairs

NYPD – Traffic Enforcement

Department of Information Technology and Telecommunications

New York Presbyterian Hospital

Our experts come to you. We show your employees how to manage their finances – and meet their needs. Better financial health. Peace of mind.

Department of Housing Preservation and Development

New York State Housing Finance Agency

Department of Motor Vehicles Department of Probation Department of Sanitation Department of Social Services Downstate Medical Center FDNY GHI Harlem Hospital Metropolitan Transit Authority

Faster Direct Deposit

Low-Cost Uniform Loans

ATM on-site

Our direct deposit is easy and efficient. With MCU, your employees have faster access to their money.

We help newly hired personnel buy uniforms and equipment. Members make biweekly payments via automatic payroll deduction. They avoid costly up-front expenses and build a positive line of credit.

MCU installs full service ATMs on-site for groups with at least 500 employees.

Your People are Our People.

New York State Department of Labor Nyack Hospital Office of the Mayor of the City of New York St. Barnabas Hospital St. Luke’s Hospital St. Luke’s Roosevelt Hospital United Cerebral Palsy of New York State Visiting Nurse Service of NY Wyckoff Heights Medical Center Yonkers General Hospital

r gives you a es employe rtner a p financial e. for lif

www.nymcu.org Get the MCU Edge: Faster Direct Deposit Financial Education Seminars Low-Cost Uniform Loans

Strong, safe, secure. MCU is your financial partner, for life.

• Free

Checking

• Free

Online Banking with MCU BillPay and E-Statements

• Low-rate

VISA® credit cards with no hidden fees

• Convenient • Great

Atms at many locations in the tri-state area

low rates on auto loans, mortgages, and personal loans

• Member-focused • Strong, • Setup

MCU’s growth in total assets*: (Billions)

1.30 1.23

1.47

1.38

throughout our 94-year history

safe, and financially stable

is easy

• Personal

For nearly a century Municipal Credit Union has helped hardworking New Yorkers meet their financial needs. We can do the same for you and your employees.

service that helps you achieve your goals

Enhance your benefits package with MCU.

From our beginnings we have followed a conservative investment philosophy. It has worked. We have met every dividend payment in our proud history. We now have 316,000 members – a satisfied community growing larger every year. We manage over $1.5 billion in assets.

YTD*

*As of 12/31/2009

Online Extras

• Mortgages

• Online



• Personal



• Home





Deposit • Share Accounts • FasTrack Checking • Holiday Club Accounts • Vacation Club Accounts • Youth Accounts • Money Market Accounts

Loans Equity Loans • VISA® Credit Cards • New Car Loans • Used Car Loans • Auto Refinancing



Banking • Learning Guides • Debt in Focus • Home-Buying Coach • Car-Buying Coach • Financial Calculators

MCU also offers the following Insurance Services:

• Responsible lending and investment policies that keep us strong



• A commitment to serving your needs – in person and online • A net worth ratio of 11.65 percent, well above the industry standard of 7 percent

MCU Credit

• Direct



• A full range of competitive savings and credit products

’05 ’06 ’07 ’08 ’09

MCU Savings

Here are the keys to our success:

1.24

MCU membership – experience the benefits.

Why have so many people joined MCU?



Call to learn more today!

CUNA Mutual Group: • Credit Life & Disability • Members® Auto Insurance • Members® Homeowners Insurance

The Family Security Plan: • Whole Life Insurance • Disability Income Protection • Specified Disease & Best Doctors

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Strong, safe, secure. MCU is your financial partner, for life.

• Free

Checking

• Free

Online Banking with MCU BillPay and E-Statements

• Low-rate

VISA® credit cards with no hidden fees

• Convenient • Great

Atms at many locations in the tri-state area

low rates on auto loans, mortgages, and personal loans

• Member-focused • Strong, • Setup

MCU’s growth in total assets*: (Billions)

1.30 1.23

1.47

1.38

throughout our 94-year history

safe, and financially stable

is easy

• Personal

For nearly a century Municipal Credit Union has helped hardworking New Yorkers meet their financial needs. We can do the same for you and your employees.

service that helps you achieve your goals

Enhance your benefits package with MCU.

From our beginnings we have followed a conservative investment philosophy. It has worked. We have met every dividend payment in our proud history. We now have 316,000 members – a satisfied community growing larger every year. We manage over $1.5 billion in assets.

YTD*

*As of 12/31/2009

Online Extras

• Mortgages

• Online



• Personal



• Home





Deposit • Share Accounts • FasTrack Checking • Holiday Club Accounts • Vacation Club Accounts • Youth Accounts • Money Market Accounts

Loans Equity Loans • VISA® Credit Cards • New Car Loans • Used Car Loans • Auto Refinancing



Banking • Learning Guides • Debt in Focus • Home-Buying Coach • Car-Buying Coach • Financial Calculators

MCU also offers the following Insurance Services:

• Responsible lending and investment policies that keep us strong



• A commitment to serving your needs – in person and online • A net worth ratio of 11.65 percent, well above the industry standard of 7 percent

MCU Credit

• Direct



• A full range of competitive savings and credit products

’05 ’06 ’07 ’08 ’09

MCU Savings

Here are the keys to our success:

1.24

MCU membership – experience the benefits.

Why have so many people joined MCU?



Call to learn more today!

CUNA Mutual Group: • Credit Life & Disability • Members® Auto Insurance • Members® Homeowners Insurance

The Family Security Plan: • Whole Life Insurance • Disability Income Protection • Specified Disease & Best Doctors

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Strong, safe, secure. MCU is your financial partner, for life.

• Free

Checking

• Free

Online Banking with MCU BillPay and E-Statements

• Low-rate

VISA® credit cards with no hidden fees

• Convenient • Great

Atms at many locations in the tri-state area

low rates on auto loans, mortgages, and personal loans

• Member-focused • Strong, • Setup

MCU’s growth in total assets*: (Billions)

1.30 1.23

1.47

1.38

throughout our 94-year history

safe, and financially stable

is easy

• Personal

For nearly a century Municipal Credit Union has helped hardworking New Yorkers meet their financial needs. We can do the same for you and your employees.

service that helps you achieve your goals

Enhance your benefits package with MCU.

From our beginnings we have followed a conservative investment philosophy. It has worked. We have met every dividend payment in our proud history. We now have 316,000 members – a satisfied community growing larger every year. We manage over $1.5 billion in assets.

YTD*

*As of 12/31/2009

Online Extras

• Mortgages

• Online



• Personal



• Home





Deposit • Share Accounts • FasTrack Checking • Holiday Club Accounts • Vacation Club Accounts • Youth Accounts • Money Market Accounts

Loans Equity Loans • VISA® Credit Cards • New Car Loans • Used Car Loans • Auto Refinancing



Banking • Learning Guides • Debt in Focus • Home-Buying Coach • Car-Buying Coach • Financial Calculators

MCU also offers the following Insurance Services:

• Responsible lending and investment policies that keep us strong



• A commitment to serving your needs – in person and online • A net worth ratio of 11.65 percent, well above the industry standard of 7 percent

MCU Credit

• Direct



• A full range of competitive savings and credit products

’05 ’06 ’07 ’08 ’09

MCU Savings

Here are the keys to our success:

1.24

MCU membership – experience the benefits.

Why have so many people joined MCU?



Call to learn more today!

CUNA Mutual Group: • Credit Life & Disability • Members® Auto Insurance • Members® Homeowners Insurance

The Family Security Plan: • Whole Life Insurance • Disability Income Protection • Specified Disease & Best Doctors

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Reward your employees with financial empowerment.

Happy members.

You take great care of your employees’ needs – their workplace, their healthcare, their future. Join with MCU and give them the best in financial services. Great savings and credit products, personable service, and convenient ways to manage their money. What’s the benefit? A healthy financial life means a happy employee. Happy employees mean more productivity. All at no cost to you. MCU does the work – we make it easy for you and your people. You get the credit.

Administration For Children Services

Montefiore Hospital

Beth Israel Hospital

Montefiore Medical Center

Board of Education

MTA Bridges and Tunnels

Bronx Lebanon Hospital Center

The New York Blood Center

Bronx Supreme Court

NYC Department of Corrections

Bronx Zoo

New York Foundling Hospital

Department of Buildings

NYPD

Current MCU Select Employee Groups include:

Department of Citywide Administrative Services

NYPD – School Safety

Financial Educational Seminars

Department of Consumer Affairs

NYPD – Traffic Enforcement

Department of Information Technology and Telecommunications

New York Presbyterian Hospital

Our experts come to you. We show your employees how to manage their finances – and meet their needs. Better financial health. Peace of mind.

Department of Housing Preservation and Development

New York State Housing Finance Agency

Department of Motor Vehicles Department of Probation Department of Sanitation Department of Social Services Downstate Medical Center FDNY GHI Harlem Hospital Metropolitan Transit Authority

Faster Direct Deposit

Low-Cost Uniform Loans

ATM on-site

Our direct deposit is easy and efficient. With MCU, your employees have faster access to their money.

We help newly hired personnel buy uniforms and equipment. Members make biweekly payments via automatic payroll deduction. They avoid costly up-front expenses and build a positive line of credit.

MCU installs full service ATMs on-site for groups with at least 500 employees.

Your People are Our People.

New York State Department of Labor Nyack Hospital Office of the Mayor of the City of New York St. Barnabas Hospital St. Luke’s Hospital St. Luke’s Roosevelt Hospital United Cerebral Palsy of New York State Visiting Nurse Service of NY Wyckoff Heights Medical Center Yonkers General Hospital

r gives you a es employe rtner a p financial e. for lif

www.nymcu.org Get the MCU Edge: Faster Direct Deposit Financial Education Seminars Low-Cost Uniform Loans