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Eligibility

Applying is fast and easy!

You will need the following information in order to complete the application:

Government issued ID/Drivers License/State ID or Passport with current address

Your complete physical and mailing address

Social Security Number

Date of Birth

Membership Eligiblity

You're eligible for Membership if you:
- Live, work, worship or attend school in one of these CT counties (Fairfield, Litchfield or New Haven)
- Are an employee of one of our Select Employer Group companies (see below for list)
- Have a family member who is already a Member of MSCU

Please select one of the statements below and subsequent drop down menus to let us know how you are eligible to join our finanical cooperative.

Select your eligibility

in county in Connecticut.

I work for

SEG company.

I am a relative of

, an exising member of Mutual Security Credit Union.

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Required Products

Select at least one of the following products required for membership

Membership Share Savings

Membership is required to open and maintain an account with us. The Membership Share Savings fulfills this requirement and you earn a competitive interest rate on your balance of $100 or more. Please refer to our rate sheet for current rate information.

APY: 0.10% Min Deposit: $5.00

You may select one of the following products

Available Products

Checking Certificate Account HSA Savings Money Market

Elevated Checking

A checking account that rebates non-MSCU ATM transactions and more. Overflowing with great member benefits, this premium account was designed to elevate your well-being! Please see Fee Schedule for fees that may apply.

APY: 0.03% Min Deposit: $5.00

Essential Checking

A checking account that offers the benefits of a low monthly service fee, plenty of ways to access your money, as well as the convenience and security of paperless transactions. Please see Fee Schedule for fees that may apply.

Min Deposit: $5.00

Freedom Checking

An overdraft free checking account with the benefit of no monthly fee, plenty of ways to access your money, as well as the convenience and security of paperless transactions. Please see Fee Schedule for fees that may apply.

Min Deposit: $5.00

7 Month Certificate Special

A fixed rate timed deposit to maximize your dividends earning and protect your funds from rate volatility.
Early withdrawals on Share Certificates with terms less than 12 months will incur a penalty of 90 days of dividends, whether earned or not.

APY: 3.70% Min Deposit: $500.00 Max Deposit: $250,000.00

15 Month Certificate Special

A fixed rate timed deposit to maximize your dividends earning and protect your funds from rate volatility.
Early withdrawals on Share Certificates with terms of 12 months or more will incur a penalty of 180 days of dividends, whether earned or not.

APY: 3.90% Min Deposit: $100,000.00

Health Savings Checking Account

APY: 0.05%

Progressive Tiered Savings

Experience the power of a higher return and grow your money risk-free. See Progressive Savings for details.

Max APY: 3.75% Min Deposit: $100.00

Share Savings

Build Savings for any purpose. You earn a competitive interest rate on balances of $100 or more. Please refer to our rate sheet for current rate information.

Holiday Club

APY: 0.10%

Vacation Club

Build savings for your next vacation or any special purpose with complete access to the funds any time of the year. There is no minimum balance requirement.. Please refer to our rate sheet for current rate information.

APY: 0.10%

Money Market

Enjoy a higher dividend rate with full access to your money when you need it. A deposit of $2,500 is required to open the account.

Max APY: 0.25% Min Deposit: $0.00

Money Market Special

Premium rate Money Market. Rate can change at any time. See https://www.mscu.net/rates/savings-rates for details.

APY: 2.80%

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.40%	0.40%	$0.00	N/A
.	1.43%	1.44%	$0.00	N/A
.	3.68%	3.75%	$100.00	N/A

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.25%	0.25%	$0.00	N/A
.	0.25%	0.25%	$0.00	N/A
.	0.25%	0.25%	$0.00	N/A

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We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

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'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

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Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

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Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of Mutual Security Credit Union?

SSN

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Date of Birth

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Address

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State

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About Your Employment

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Gross Monthly Income (before taxes)

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

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Do you have any beneficiaries?

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Do you have another applicant?

Yes

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Speed up your application process by taking the BACK image of your US driver's license.

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Recommendation for best recognition:

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* Avoid glare

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Speed up your application process by taking the BACK image of your US driver's license.

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Recommendation for best recognition:

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* Avoid glare

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Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

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Contact Information

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Address

Zip

City

State

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About Your Joint Applicant

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of Mutual Security Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

Upload Documents

Please upload a copy of your document in .JPG format.

Click or tap here to capture or upload an image or document.

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Tell us about your beneficiaries

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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Tell us about your beneficiary percent shares

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Distribute Evenly

Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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Product Selections

Additional Application Information

Applicant Information

Contact Information

Identification Information

Secondary Identification Information

Address

Employment Information

Previous Employment Information

Joint Applicant Information

Joint Applicant Contact Information

Joint Applicant Identification

Joint Applicant Secondary Identification

Joint Applicant Address

Joint Applicant Employment Information

Beneficiary Information

Funding Source

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Please answer the following question(s)

By selecting the appropriate response, I certify under penalties of perjury, that (1) I am a U.S. person (including a U.S. resident alien), (2) the Social Security number (SSN/Tax payer identification number (TIN) shown is my/the correct identification number and (3) I am NOT, unless designated below, subject to backup withholding as a result of failure to report all dividends or interest or because the IRS has notified me that I am no longer subject to backup withholding*

How did you hear about Mutual Security Credit Union?*

Please specify how you heard about MSCU:*

Which retail store referred you?*

PROMOTIONAL CODE

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Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.

You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

Digital Banking Services Agreement

Member Contract & Share Deposit Agreement

Electronic Funds Tranfer Agreement

Truth-In-Savings Account Disclosure

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