Moniwave

Your Educational Project Platform

We do banking differently. We believe that people come first, and that everyone deserves a great experience every step of the way.

Join Platform Secure Access

50K+

Happy Customers

$2.5B+

Assets Managed

ROUTING #

251480576

BRANCH HOURS

Mon-Fri: 9AM-5PM

Sat: 9AM-1PM

24/7 SUPPORT

1-800-BANKING

Always here to help

Moniwave Rates

Moniwave Member Care

Discover competitive rates designed to help your money grow faster

3.75%

APY*

HIGH YIELD SAVINGS

High Yield Savings Rate

FEATURED

3.65%

APY*

18 MONTH CERTIFICATE

Moniwave Certificate Rates

SAVINGS

4.00%

APR*

CREDIT CARDS

Moniwave Credit Card Rates

CREDIT

15.49%

APR*

LOANS

Moniwave Standard Loan Rates

MORTGAGE

*Annual Percentage Yield. Rates subject to change. Terms and conditions apply.

Our Services

How Can We Help You Today?

Comprehensive banking solutions tailored to your needs

Deposit Accounts

Secure your money with our high-yield savings and checking accounts designed for growth.

Credit Cards

Find the perfect credit card for your lifestyle and spending habits with competitive rates.

Loans

Get competitive rates on personal, auto, and home loans tailored to your financial goals.

Business Banking

Comprehensive banking solutions designed to help your business thrive and grow.

Wealth & Retire

Plan for your future with our expert investment and retirement planning services.

About Moniwave

Learn more about our commitment to exceptional banking services and community support.

Get $200* With a Checking Account Built for You

Start Building Your Financial Strength

For a limited time, get a $200 when you open any new account, and what helps you reach your financial goals. You can open a new account online or in person at any of our locations.

No minimum balance required

Free online and mobile banking

24/7 customer support

Join Platform Now

Member-Focused Banking

Building Strength Together

Moniwave is a full-service credit union built on the foundation of providing our members with every step of their financial journey. We're committed to helping our members achieve their financial goals through personalized service and competitive rates.

Competitive Rates

Better rates on savings, loans, and credit cards designed to maximize your financial growth.

Member-Focused

We're owned by our members, not shareholders. Your success is our priority.

Community Committed

Supporting local communities and causes that matter to our members.

Hear From Our Customers

"I am impressed with the customer service and speed of payout."

Sarah Morris

Verified Customer

"Excellent service and competitive rates. Highly recommended!"

John Davis

Business Owner

"The mobile app is fantastic and customer support is top-notch."

Emily Johnson

Personal Banking

Banking Hours

Mon-Fri: 9AM-5PM
Sat: 9AM-1PM
Sun: Closed

Phone Banking

Available 24/7
Call: 1-800-BANKING
International: +1-555-0123

Email Support

Response within 24hrs
support@Moniwave.com

Visit Us

123 Banking Street
Financial District
New York, NY 10001