--- title: "Money Credit Union Rates (Nov 2026): CDs to 3.75%" description: "Money Credit Union rates today: savings & CDs up to 3.75% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Money Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/money" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Money Credit Union Rates (Nov 2026): CDs to 3.75% ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **2 Year m aximum term for 2017-2018 models** auto_any_24mo | — APR | 4.990% | 24 mo | Standard | | **4 Year m aximum term for 2019-2020 models** auto_any_48mo | — APR | 5.240% | 48 mo | Standard | | **7 Year minimum loan amount $25,000** auto_any_84mo | — APR | 5.240% | 84 mo | Standard | | **7 Year minimum loan amount $25,000 / model years 2021 or newer** auto | — APR | 5.740% | — | Standard | Money Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | — APR | 4.990% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 6.500% | — | Standard | Money Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 8 offers | Product | Published | Rate | Term / condition | Status | | **24-Month Share-Secured Loan** personal_secured_24mo | — APR | 4.750% | 24 mo | Standard | | **36-Month Share-Secured Loan** personal_secured_36mo | — APR | 5.000% | 36 mo | Standard | | **Credit Builder Loan** personal | — APR | 5.000% | — | Standard | | **12-Month Share-Secured Loan** personal_secured_12mo | — APR | 5.750% | 12 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 7.000% | — | Standard | | **Personal Loan / Pool & Spa *1** personal_unsecured_12mo | — APR | 8.240% | 12 mo | Standard | | **12-Month Debt Consolidation Loan** personal_unsecured_12mo | — APR | 9.740% | 12 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 13.500% | — | Standard | Money Credit Union personal loan rates as of November 12, 2026 ### Student loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Student Loan Refinance – more information** student | — APR | 3.990% | — | Standard | | **Undergraduate Student Loan (Variable rate) – more information Undergraduate Student Loan (Fixed rate) – more information** student | — APR | 6.000% | — | Standard | Money Credit Union student loan rates as of November 12, 2026 ### Savings & CD rates 19 offers | Product | Published | Rate | Term / condition | Status | | **Holiday, Vacation, and U-Name-It Savings** savings | 0.06% APY | 0.06% | — | Standard | | **Money Market ($2,500–$9,999)** money_market | 0.30% APY | 0.30% | — | Standard | | **Money Market ($10,000–$24,999)** money_market | 0.35% APY | 0.35% | — | Standard | | **Money Market ($25,000–$49,999)** money_market | 0.40% APY | 0.40% | — | Standard | | **Money Market ($50,000–$99,999)** money_market | 0.45% APY | 0.45% | — | Standard | | **Money Market ($100,000+)** money_market | 0.50% APY | 0.50% | — | Standard | | **6-Month Certificate** cd_6mo | 2.00% APY | 1.98% | 6 mo | Standard | | **18-Month Certificate** cd_18mo | 2.25% APY | 2.23% | 18 mo | Standard | | **24-Month Certificate** cd_24mo | 2.25% APY | 2.23% | 24 mo | Standard | | **60-Month Certificate** cd_60mo | 2.50% APY | 2.47% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | 2.50% APY | 2.47% | 48 mo | Standard | | **36-Month Certificate** cd_36mo | 2.50% APY | 2.47% | 36 mo | Standard | | **12-Month Certificate** cd_12mo | 3.75% APY | 3.68% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.99% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.99% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.99% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 4.24% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.74% | 60 mo | Standard | | **72-Month Certificate** cd_72mo | — APY | 4.99% | 72 mo | Standard | Money Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **6 Year minimum loan amount $12,000** other | — % | 8.240% | — | Standard | | **7 Year minimum loan amount $12,000** other | — % | 8.490% | — | Standard | Money Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 3.75% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/money) , verified from [Money Credit Union's official website](https://moneyfcu.org/) Loading branch locator… ## About Money Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.2K Assets $52.5M Founded 1976 Locations reported 1 NCUA charter 22566 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Syracuse Fire Department Employees** Money FCU · Syracuse · NY · 13202-2723 About 0.1 miles away](https://rateapi.dev/credit-unions/new-york/syracuse-fire-department-employees) [**Broadview** Syr Deys Bldg · Syracuse · NY · 13202-2584 About 0.3 miles away](https://rateapi.dev/credit-unions/new-york/broadview) [**Americu** Armory Square · Syracuse · NY · 13202-1227 About 0.4 miles away](https://rateapi.dev/credit-unions/new-york/americu) [**Syracuse Cooperative** Burt St Office · Syracuse · NY · 13202 About 0.5 miles away](https://rateapi.dev/credit-unions/new-york/syracuse-cooperative) [**Visions** Syracuse · Syracuse · NY · 13202-1903 About 0.6 miles away](https://rateapi.dev/credit-unions/new-york/visions) [**Empower** 515 Erie Blvd · Syracuse · NY · 13204-2422 About 0.7 miles away](https://rateapi.dev/credit-unions/new-york/empower) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Money Credit Union Membership eligibility from Money Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Money Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer local businesses Verified from [Money Credit Union's membership page](https://moneyfcu.org/best-credit-unions-near-me-syracuse/) . Final membership determination is always made by the credit union. ## Membership rules for Money Credit Union Geography 1 county · Employers · Family 3 published paths to membership, last verified August 21, 2026, quoted from Money Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Onondaga County, NY “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Onondaga County, NY” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of local businesses “For local businesses, membership requirement includes a company or other legal entity located within the counties mentioned above.” > [source ↗](https://moneyfcu.org/best-credit-unions-near-me-syracuse/) - Employee of local businesses ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family “Plus, the immediate family of a current Money FCU credit union member is automatically eligible.” > [source ↗](https://moneyfcu.org/best-credit-unions-near-me-syracuse/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Money Credit Union? Yes No ## Work at Money Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Money Credit Union ranks against New York peers. - See which AI assistants fetched Money Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=money&state=new-york&code=NY&name=Money%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Money Credit Union offer? Money Credit Union currently offers Auto loan, HELOC, personal loan, and student loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Money Credit Union rates updated? RateAPI verifies Money Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Money Credit Union's rate data? Rate data is collected directly from Money Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Money Credit Union's best CD rate? As of November 12, 2026, Money Credit Union offers savings and certificate (CD) yields up to 3.75% APY. ### Who can join Money Credit Union? Money Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 county and 1 employer for Money Credit Union, each quoted from Money Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Money Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York HELOC rate leaders](https://rateapi.dev/heloc-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://moneyfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Money Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Money Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /money " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Money Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/money Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp