Our not-for-profit credit union serves members, not stockholders. Earnings after operating expenses allow our members to benefit from higher savings rates and lower loan rates, plus new products and services. Saving, borrowing, and more are all available through our team of financial experts.

Loan Rates |
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New Auto/Motorcycle Loans*1

1 Year 6.24%
2 Year 6.24%
3 Year 6.24%
4 Year 6.49%
5 Year 6.49%
6 Year 6.74%
7 Year  minimum loan amount $25,000 7.24%

Used Auto/Motorcycle Loans*1
2014 and newer

1 Year 6.49%
2 Year  maximum term for 2014-2015 models 6.49%
3 Year 6.49%
4 Year  maximum term for 2016-2017 models 6.74%
5 Year 6.99%
6 Year 7.24%
7 Year  minimum loan amount $25,000 7.74%

Home Improvement Loan*3

1 Year 7.24%
2 Year 7.24%
3 Year 7.24%
4 Year 7.74%
5 Year 8.24%
6 Year  minimum loan amount $12,000 8.49%
7 Year  minimum loan amount $12,000 8.74%

Home Equity – No Closing Costs!6
Only available within the following Central New York counties: Onondaga, Oswego, Madison, and Cayuga

See estimated closing costs for a Home Equity Loan or HELOC (NO CLOSING COSTS FOR A LIMITED TIME)

What you should know about HELOC

5 Years 10 Years 15 Years
Loan* 6.49% fixed 6.99% fixed 7.24% fixed
Home Equity Line of Credit 8.00% variable

Our mortgage rates are extremely competitive and you have the advantage of a local lender who knows the local market. We can help you purchase the perfect home or refinance your current home. Buying a home and getting a mortgage can be complicated, but not with Money FCU. Partner with us for competitive rates and help in simplifying the entire home-buying experience. To help simplify the mortgage process, we are pleased to work with OwnersChoice. They understand us and our members because they work exclusively with credit unions.

Our Mortgage Center
Owner’s Choice Mortgage Rates

Student Loans *2

Undergraduate Student Loan – more information as low as 9.24% APR
Student Consolidation Loan – more information as low as 4.74% APR

Other Loans

1 Year 2 Year 3 Year 4 Year 5 Year
Christmas Loan* (seasonal) 5.99% N/A N/A N/A N/A
Personal Loan / Pool & Spa*1 7.99% 7.99% 7.99% 8.74% 8.99%
Savings Secured* 5.50% 5.50% 5.50% 4.50% 4.50%
Debt Consolidation*1 9.74% 9.74% 9.74% 10.24% 10.49%
Overdraft Line of Credit 15.00% variable
Secured Line of Credit 8.50% variable
Credit Builder* as low as 5.50%
Credit Cards More information

Camper / RV   | 2014 and newer*1 | Maximum amount $50,000

1 Year 2 Year 3 Year (max term ’14-’15) 4 Year 5 Year (max term ’16-’17) 6 Year 7 Year
10.24% 10.24% 10.24% 10.49% 10.49% 10.74% 10.99%

Savings Rates |
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Savings Accounts 4

Rate APY
Regular Savings 0.10% 0.10%
Holiday, Vacation, and U-Name-It Savings 0.10% 0.10%
Teen and Kids Savings 0.10% 0.10%
Money Market Savings $2,500-$9,999 0.50% 0.50%
Money Market Savings $10,000-$24,999 0.55% 0.55%
Money Market Savings $25,000-$49,999 0.65% 0.65%
Money Market Savings $50,000-$99,999 0.75% 0.75%
Money Market Savings $100,000 and above 0.85% 0.85%

Certificates 5

Open Certificate Online
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Rate APY
6 Month 2.23% 2.25%
12 Month 3.92% 4.00%
18 Month 4.07% 4.15%
18 Month New Money 4.64% 4.75%
24 Month 2.96% 3.00%
36 Month 1.44% 1.45%
48 Month 1.54% 1.55%
60 Month 1.59% 1.60%

Individual Retirement Account

Learn More About IRAs
Rate APY
IRA Savings Traditional, Roth, and Coverdell ESA 0.10% 0.10%
12 Month Certificate 3.92% 4.00%
24 Month Certificate 2.96% 3.00%
36 Month Certificate 1.44% 1.45%
48 Month Certificate 1.54% 1.55%
60 Month Certificate 1.59% 1.60%

NOT RESPONSIBLE FOR TYPOGRAPHICAL ERRORS. Programs, rates, terms, and conditions may change at any time without notice. *Rate shown includes 0.25% automatic payment discount. (1) Credit score determines rate. (2) Undergraduate loan is variable rate based on Prime and credit score. Consolidation loan is fixed rate based on credit score and term. (3) Credit score determines rate and maximum loan amount. Must be a homeowner. (4) Minimum balance to earn dividends in regular savings: $100; Club (Holiday, Vacation, U-Name It, Teen and Kids Club) $0; Money Market: $2,500. (5) Fixed rate. Early withdrawal penalty may apply. Fees may reduce earnings. $500 minimum deposit. (6) If the home equity loan is paid off or the line of credit is closed within 3 years of origination, prepayment penalties apply that are equal to the original closing costs.

Love our rates? See what else you’ll fall in love with.

We pride ourselves on being a credit union family. We take care of our own, like a family should. When you call, we answer. You get a real person on the phone and live chat, every time. We want to be there for you through life’s ups and down, not just as your bank. We want to know about your dog’s surgery, your granddaughter’s dance recital, or an upcoming trip you’re excited about. Your success is our success. Your hard time is when we pick you up.

If you’re looking for a more personal banking experience but still want the benefits of technology and convenient account access, you’re in the right place. Money Federal Credit Union – it’s where you belong.

Not a Member? Join Today.

The Credit Union is where I got my start and has always taken good care of me despite moving 10 different times.

Bruce – Tallahassee, FL
credit union testimonial Kelli

You guys are always so friendly when I call, I love calling all of you because you’re always so upbeat and nice!

Kelli – DeWitt, NY

I started banking with you in 2000, almost 19 years ago. Best bank ever, I moved to CA and you made banking easy when doing electronic banking wasn’t really popular yet.

Jesse – Syracuse, NY

Everything, anything you guys do with me is done 200%. I KNOW that you’ve got my back.  Thank you for this, and for everything you help me with. I truly appreciate it.

Marian – Mahopac, NY

I commend your staff; they are always very pleasant and willing to assist my needs.  Customer Service is very important to me and the credit union definitely shines in this area.

Kathy – Clay, NY

This is by far the best credit union, you guys are so good, you’re always on top of everything and you make me feel like my account is safe.

Regina – Phoenix, NY

I do not say it often enough, but you have great staff!  Nothing is ever a problem, they are terrific!  Amy just helped me out big time and Debbie is always my #1 at the credit union.

Jeff – Wake Forest, NC

I just wanted you to know that it is so nice to get a real person when I call in instead of an automated machine.  I really appreciate it.

Anne – Pittsboro, NC

I just LOVE all of you there. People ask me why I use a credit union in Syracuse and I tell them you can’t beat the customer service!

Denise – Monroe, NY

Thank you for watching for fraudulent activity so diligently.  Not only do you notify me when there is suspicious activity, but you are quick to help recover the money.

Sandy – Liverpool, NY

I’ve been in Charlotte for 7 seven years and I will not change banks because of this type of customer service.

Elliot – Charlotte, NC
credit union testimonial Catherine

Thank you MFCU for all the work you do and for really treating your customers like family.

Catherine – Baltimore, MD
credit union testimonial Michelle

I have to say it again – our credit union is absolutely the best! Hands down, no one else even comes close to the exceptional customer service and knowledge that you receive at Money FCU.

Michelle – Syracuse, NY
credit union testimonial Cindy

I told the car dealer I am sure that I want use Money for financing. The difference is only $7.00 per month. You have the very best customer service of any financial institution that I have worked with. Your customer service is worth every penny of the $7 per month and then some!

Cindy – Tully, NY
credit union testimonial Diane

Each representative takes a special interest in any request made, with coordinating efforts by everyone. At a time when I was in transition, MFCU gave attention to what I needed to continue with them, now over 40 years.

Diane – Wilton, CT
credit union testimonial Michael

I have been a member since 1987 and would NEVER, NEVER, EVER leave Money FCU under ANY circumstances!!

Michael – Clifton Park, NY
credit union testimonial Lisa

I wanted to let you know how much I love having Money instead of Chase! You guys have all been amazing since I have opened my account and I am so happy that I switched!!

Lisa – Syracuse, NY
credit union testimonial Henry

I just love Debbie. She’s my hero!

Henry – Gastonia, NC
credit union testomonial Tony

As we are wrapping details around our third vehicle loan inside of a year or so, I just want to say thank you again. Your customer service is off the charts, and you are a pleasure to deal with.

Anthony – Phoenix, NY
credit union testimonial Pat

Thank you to all of you! You girls are so wonderful! I love my credit union.

Pat – Syracuse, NY
credit union testimonial Lisa too

I thought I would take this opportunity to share with you what phenomenal employees you have. We couldn’t be happier to be blessed enough to have found MONEY FCU, and all that this bank encompasses.

Lisa – Baldwinsville, NY
credit union testimonial Angela

I moved everything out of M & T Bank to you because of the service I receive. I just love you guys!

Angela – Manlius, NY
credit union testimonial Robin

MONEY Federal Credit Union is people – a great group of people – who leave no doubt that while they are helping me, I am the most important thing going on that day.

Robin – Chappaqua, NY
credit union testimonial Jason

I am not sure who is working their magic, but without it my wife and I wouldn’t be able to purchase this house we fell in love with in a neighborhood we fell in love with. I truly appreciate everything Money Federal Credit Union does for my family!

Jason – Baldwinsville, NY


Kerry – Ossining, NY
credit union testimonial Erik

I have been a member since around 1992 or so and, even though I no longer work at Mutual of New York I have had nothing but excellent service from EVERYONE and I will never stray.

Erik – East Syracuse, NY

When you walk in the door you are always welcomed with a smile and happy greetings. Nothing is ever hard to do. When I need a loan it’s done and ready for me and I don’t even have to do anything! Just come in and sign!

Deb – Liverpool, NY
credit union testimonial Vera

You guys are the greatest. So professional and up to date with technology!

Vera – Warners, NY
credit union testimonial Danielle

I have been banking with MFCU since I was 17 years old. I left NY and banked with other companies but I came back to MFCU. I am so happy that I did!! Your staff has always been so helpful. I just figured you would want to know that your staff is great and they deserve an extra day off :)

Danielle – East Syracuse, NY
credit union testimonial Eileen

You guys haven’t changed a bit since I opened my account in 1987! You are all still so nice to deal with and I’m glad the changing times hasn’t hardened you into being unappreciative of your members. I now live in NJ and you are the best Credit Union I have ever had the pleasure of doing business with!

Eileen – North Arlington, NJ

I remember when I joined the CU in 1980 and you were located in a closet upstairs, and you would write the number of members and the percentage rate on a chalk board on the wall.

Joanne – Syracuse, NY

I just wanted to let you know that your staff has been so helpful since the move out of the building. The staff is always quick and kind. You said that a Credit Union is much like a Bank…I would say that the Credit Union is much better than a bank. I appreciate you guys!!

Michele – Baldwinsville, NY
credit union testimonial Lisa 3

I just wanted to let you know how awesome you are! I tell anyone who’ll listen about the GREAT customer service I get from the MONEY FCU. With commercial banks becoming less and less friendly and helpful and more and more costly, you guys are the best thing around!

Lisa – East Syracuse, NY
credit union testimonials John

I just went through one of the most painless processes getting a home improvement loan. I couldn’t believe how quick and smoothly everything went. I was quite impressed at the level of service. A special thank you also goes out to Debbie for her efficiency and for being so easy to work with!

John – Camillus, NY

I love you guys, one call and it’s done. Love, love, love you all.

Kathy – Fair Lawn, NJ

I just went through the process of taking out a car loan. If it weren’t for Melissa, I wouldn’t have been able to get things done. I wasn’t sure about what to do for so many things, but Melissa did! She was always there for me, quick, soooooo much help. Lucky for me I was smart enough to join your credit union years ago.

Katie – Syracuse, NY
credit union testimonials Meg

I am so grateful to have such kind and helpful people to work with on my banking needs.

Meg – Webster, NY
credit union testimonial Tom

When our office moved I decided to keep my account with you because I don’t mind the 10 minute drive downtown to deal with you guys because you’re always so helpful and friendly.

Tom – Syracuse, NY

What are you saving for? Ready to talk about what you need money for?

Great, let’s get you started! Want to learn more about any of our services before committing? Call (315) 671-4000 or chat with our friendly agents today. We are ready to answer any of your questions.

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