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We proudly celebrate 85 years of empowering our diverse community to grow, thrive, and achieve. Rates as high as Minimum daily balance required to earn APY is . Minimum daily balance required to earn APY is $500.00. Enjoy Checking that earns interest and all the conveniences you deserve. Our Mortgage team handles everything in-house, ensuring an easy process for your loan. Earn more than your average Savings with our High Yield Savings Account. This new ID verification system is used to further protect your identity and the security of your accounts. Voice ID is an easy, fast, and secure way to verify yourself over the phone. Voice ID is automatically added to your account when you call MIT FCU. Your voiceprint is stored with the same security as the rest of your identifying information. Your voiceprint is even more distinctive than a fingerprint, so it can't be imitated or faked. 
At MIT Federal Credit Union, we believe in more than just banking. We provide tailored financial solutions, care for our neighbors, and support local dreams.Certificates
3.75% APY1
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High Yield Savings
3.00% APY1
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What are you looking for in a Checking account?
Smooth service for every borrower.
More Savings with a great rate.
Introducing IDCheck
Effective May 1, 2025, when visiting a shared branch location with an out-of-state ID or driver's license you will be asked to utlilize a new authentification method to confirm your identity.Verify with Voice ID.
The Credit Union Difference
We are not a bank, and that's an advantage for our members. As a credit union member, here's how you benefit.
At credit unions, members are owners; we answer to them, not investors. Each member has equal ownership.
Thanks to the CO-OP branch network, you can access over 30,000 fee-free ATMs and over 5,600 branch locations nationwide.
Credit unions are not-for-profit cooperatives that give back to their members with great savings rates and lower loan rates.
Throughout the history of U.S. credit unions, taxpayer funds have never been utilized to rescue a credit union.
Credit union deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), a federal government agency.
Upgrade your commute.
Whether you want a clean ride to work or a boost up that steep hill, MIT FCU understands the importance of green energy and offers competitive rates on battery-powered bikes to support a cleaner future.
Dedicated to positively impacting our community.
At MIT Federal Credit Union, we strive to positively impact our diverse communities by promoting well-being through empowerment and financial opportunities. We partner with and provide funding to organizations that make a difference in our neighborhoods and communities by directing resources to areas of greatest need, such as family support, affordable housing, food accessibility, community support, and financial education.
Community About MIT FCUBank when and where you want.
With mobile and online banking, two convenient branches on campus, access to over 30,000 ATMs, and 5,600 branches nationwide.
Download our highly rated mobile app!4
