A Fresh Start for Your Financial Future
Turning 18 is a big deal—and at Money Federal Credit Union, we believe your first steps into adulthood should be rewarded. That’s why we created the Kickstart Rewards program, a brand-new way to celebrate our young adult members and support your financial goals as you enter this exciting new chapter.
Why Kickstart Rewards?
Our mission is to support and empower young members as they begin their financial journey.
Kickstart Rewards lets you:
- Build smart financial habits
- Explore useful credit union services
- Get rewarded for everyday banking
- Have fun with exciting bonus prize opportunities
Kickstart Rewards is designed to give more value to more of our younger members—rewarding real financial habits. Eligible members can earn up to $125, simply by using their accounts and services to build a strong financial foundation.
It’s our way of saying: Welcome to adulthood—we’re excited to grow with you!
How it Works
If you’re turning 18 this year, you’re automatically eligible! You’ll receive an email within the same year as your 18th birthday, letting you know how to get started.
You’ll have the opportunity to complete reward-earning activities up until September 1st. Each item earns you a dollar amount, and you can mix and match to earn up to $125 total. It’s up to you how many tasks you want to complete, there are no penalties for not checking off all the tasks. Rewards earned will be direct deposited to your account on September 30, 2026.
***If you decide to complete all of the tasks, earlier than September 1st, 2026, and let us know, you’ll receive your cash rewards and a FREE Money FCU blanket at that time!
Earn up to $125 in Rewards
Every step you take builds healthy financial habits—and puts money right back in your pocket.
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- $25 Rewards
- Have a checking account
- Make 2 debit card transactions per month (last 90 days)
- Maintain an average balance of $150 (last 90 days)
- Have recurring deposits—direct deposit, mobile deposit, mail deposit, shared branch deposit, or in-branch deposit (last 90 days)
- $10 Rewards
- Download the free mobile app, have active home banking and be signed up for e-Statements
- Be enrolled in Card Suite Lite (debit card fraud mitigation tool)
- $5 Reward
- Make one mobile deposit per month (last 90 days)
- $25 Rewards
By completing these Bonus Tasks listed below, you will be entered into a drawing where the prize value is over $200! Each task is equal to one entry. So, the more you check off, the more chances you have to win!
Money Federal Credit Union Founded in 1976
Mutual of New York Life Insurance Company (MONY) employees founded Money Federal Credit Union in 1976. Credit unions were built on the philosophy of “people helping people.” Money FCU takes that mission statement to the core of how we run our business. It’s about people, community, and sharing resources, not making profits and pleasing shareholders. Federally insured credit unions began as an alternative to commercial banks or a private lender’s high costs. Being federally insured means your funds are protected and backed by the federal government, the same as with any big bank. The NCUA insures credit union assets and funds, whereas the FDIC insures banks. Money FCU grew to service members worldwide and currently has members in almost all 50 states. Once you’re a member, you’re always a member because your account stays with you for life, even if you move away.
Building relationships through excellent customer service.
Superior customer service is a strength. Caring about our members begins with listening to their specific needs. Therefore, when you contact us, you’ll regularly speak with a live person. One of our friendly team members is always waiting to assist you. Whether through lobby access, via phone, or live chat, you can reach a live representative ready to help. We want our members to get the down-home neighborly feeling of smaller credit unions but provide you with the largest credit union’s financial services. The best banking is right here in the heart of Syracuse, NY.
Credit Union Vs. Bank – What is a credit union?
Credit unions are not-for-profit financial institutions. Banks are for-profit and have trustees and shareholders to make profits for. Therefore, a credit union must invest their earnings back into the business and the community. Credit union members enjoy the surplus in profit returned to them in lower loan rates, higher earned interest rates, and exclusive member rewards. Credit union members are its shareholders. A volunteer Board of Directors makes decisions involving the credit union. Credit unions provide many of the same services of a traditional bank without the high fees and service charges.
Where can you find us?
Money FCU is right here in the heart of downtown Syracuse, NY. Located in the Barclay Damon building – Lobby Level. 125 E Jefferson St. Syracuse, NY 13202. We’re ready to greet you with smiling faces and welcome you into our credit union family!
