Current Rates

^*APY=Annual Percentage Yield. APY is accurate as of 10/16/2026.

The Annual Percentage Yield ("APY") reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.

Minimum Opening Deposit is $0.01.

This is a variable rate account and the rate may change monthly after the account is opened. Fees and other conditions could reduce earnings. The disclosed Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date.

Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

View Truth-in-Lending Rates and Fees Schedule.

^*APY=Annual Percentage Yield. APY is accurate as of 10/16/2026.

High-Yield Savings Account - Eligibility for Advertised APY:

To be eligible to earn dividends for the High Yield Savings account at the posted High Yield Savings Annual Percentage Yield ("APY"), you must first deposit a total of $5,000 of New Money† into the High Yield Savings account ("New Money Requirement"). Other funds currently on deposit in a MCU account may be transferred or deposited into the High Yield Savings Account, but those funds will not count towards the New Money Requirement. Until the New Money Requirement is met, dividends on the Average Daily Balance in the High Yield Savings Account will accrue at the same APY as the Hero Savings Account with the corresponding Minimum Balance to earn the stated APY for the Hero Savings Account. Once the New Money Requirement is met, there is no minimum balance required to earn the posted High Yield Savings APY and, after the New Money Requirement is met, any High Yield Savings Account balance will earn dividends at the posted High Yield Savings APY. The dividend rate and APY is subject to change.

The Annual Percentage Yield ("APY") reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.

Minimum Opening Deposit: A minimum of $100.00 opening deposit is required.

This is a variable rate account and the rate may change monthly after the account is opened. Fees and other conditions could reduce earnings. The disclosed Dividend Rate and Annual Percentage Yield are accurate as of the last dividend declaration date.

^†“New Money” is defined as funds that are not on deposit in any MCU account at the time the account with the New Money requirement is opened. The New Money requirement may be satisfied by: (1) making a deposit of New Money directly into an account bearing a New Money requirement; or (2) making a deposit of New Money into a savings or checking account and transferring the New Money into the account bearing the New Money requirement within seven (7) days of the date of deposit. Funds transferred into an account bearing a New Money requirement from any MCU account after seven (7) days from the date of deposit will not be eligible to satisfy the New Money requirement.

Fees: There are no Account specific fees. Standard fees applicable to MCU membership and deposit accounts apply. Fees may reduce earnings.

Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

View Truth-in-Lending Rates and Fees Schedule.

^*APY=Annual Percentage Yield. APY is accurate as of 10/16/2026.

The Annual Percentage Yield ("APY") reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.

Minimum Opening Deposit is $5.00 .

This is a variable rate account and the rate may change monthly after the account is opened. Fees and other conditions could reduce earnings. The disclosed Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date.

Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

View Truth-in-Lending Rates and Fees Schedule.

^*APY=Annual Percentage Yield. APY is accurate as of 10/16/2026.

The Annual Percentage Yield ("APY") reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.

Available to members 13 to 21 years of age. A parent or legal guardian (18 years or older) is required to open the account and sign as a joint owner on the account.

The Youth Savings Account will earn dividends on any balance up to $1,000.00 at the dividend rate and Annual Percentage Yield (“APY”) stated in the $0.01 - $1,000.00 tier. Maintaining a balance in excess of $1,000.00 will not reduce the dividend rate applicable to the first $1,000.00 in the Youth Savings Account. The APY decreases as the balance increases over $1,000.00. The total balance in the Youth Savings account that contains in excess of $1,000.00 will earn dividends at the dividend rate and APY stated in the $1,000.01 and over tier.

Minimum Opening Deposit is $0.01.

This is a variable rate account and the rate may change monthly after the account is opened. Fees and other conditions could reduce earnings. The disclosed Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date.

Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

View Truth-in-Lending Rates and Fees Schedule.

^*APY=Annual Percentage Yield. APY is accurate as of 10/16/2026.

The Annual Percentage Yield ("APY") reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.

Available to members 0 to 21 years of age. A parent or legal guardian (18 years or older) is required to open the account and sign as a joint owner on the account. For account owners under the age of 13, the parent or legal guardian must authorize the collection, use, and disclosure of the child’s information.

Minimum Opening Deposit is $0.01 .

This is a variable rate accounts and the rate may change monthly after the account is opened. Fees and other conditions could reduce earnings. The disclosed Dividend Rate and Annual Percentage Yield are accurate as of the last dividend declaration date.

Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

View Truth-in-Lending Rates and Fees Schedule.

^*APY=Annual Percentage Yield. APY is accurate as of 10/16/2026.

Money Market Account: The dividend rate and APY may change weekly as determined by Municipal Credit Union. There are no limitations on the amount the rate can change. You must provide and maintain minimum opening deposits and/or minimum daily balances in order to earn the APYs stated above, if so indicated.

The Annual Percentage Yield ("APY") reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.

Minimum Opening Deposit is $0.00.

This is a variable rate account and the rate may change monthly after the account is opened. Fees and other conditions could reduce earnings. The disclosed Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date.

Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

View Truth-in-Lending Rates and Fees Schedule.

^*APY=Annual Percentage Yield. APY is accurate as of 10/16/2026.

Rate, Maturity, and Deposits:

Dividend rates and APYs are fixed for the initial term based on the Rate Schedule. Additional deposits are generally prohibited except for the 18-Month Deposit Plus Share Certificate and 18-Month Secured Visa Share Certificate. New Money promotional rules require funds not currently on deposit with MCU or transferred within seven (7) days.

Minimum Opening Deposit:

6-Month Share Certificate: $500.00; 9-Month Share Certificate: $500.00; 12-Month Share Certificate: $500.00 ; 12-Month-$5k New Money Share Certificate: $5,000.00 ; 24-Month Share Certificate: $500.00; 36-Month Share Certificate: $500.00.

Dividends, Penalties, and Renewal:

Dividends compound and credit monthly using the Daily Balance Method. Accounts automatically renew at maturity unless changed, backed by a ten (10) day grace period.

A penalty will be imposed for early withdrawal: 90 Days Dividends for 6 and 9-month terms; 180 Days Dividends for 12, 24, and 36-month terms.

^**12 Months – $5K New Money: You may be eligible for a 0.50 percentage-point increase on the current Dividend Rate on the 12 Months Share Certificate account if you meet certain eligibility requirements. To be eligible, you must open a 12 Month Share Certificate account or renew an existing 12 Month Share Certificate account in-person at one of our branches, through our Digital Banking platform, or through our mail-in renewal process. You must also deposit a minimum of $5,000 of New Money^† into the Share Certificate account at the time of opening or renewing. Any funds that you want to deposit in addition to the $5,000 of New Money may come from accounts you currently have with us and those additional funds will earn the stated APY. The account will automatically renew into the 12 Month Share Certificate and will be subject to the Dividend Rate, APY, and other terms and conditions of the 12 Month Share Certificate in effect at the time of renewal unless the account is closed prior to maturity or during the ten (10) day renewal grace period or the eligibility requirements of the 12 Months – $5K New Money at satisfied during the ten (10) day renewal grace period. An early withdrawal penalty will apply if the account is closed prior to maturity.

^†“New Money” is defined as funds that are not on deposit in any MCU account at the time the account with the New Money requirement is opened. The New Money requirement may be satisfied by: (1) making a deposit of New Money directly into an account bearing a New Money requirement; or (2) making a deposit of New Money into a savings or checking account and transferring the New Money into the account bearing the New Money requirement within seven (7) days of the date of deposit. Funds transferred into an account bearing a New Money requirement from any MCU account after seven (7) days from the date of deposit will not be eligible to satisfy the New Money requirement.

Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

View Truth-in-Lending Rates and Fees Schedule.

^*APY=Annual Percentage Yield. APY is accurate as of 10/16/2026.

Rate, Maturity, and Deposits:

Dividend rates and APYs are fixed for the initial term based on the Rate Schedule. Additional deposits are allowed for the 18-month Secured Visa Share Certificate.

Minimum Opening Deposit:

The minimum deposit to open a Secured Visa Share Certificate is $300.00.

Dividends, Penalties, and Renewal:

Dividends compound and credit monthly using the Daily Balance Method. Early withdrawal penalty: 180 Days Dividends. Accounts automatically renew at maturity unless changed, backed by a ten (10) day grace period.

A penalty of 180 Days Dividends will be imposed for early withdrawal.

Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

View Truth-in-Lending Rates and Fees Schedule.

^*APY=Annual Percentage Yield. APY is accurate as of 10/16/2026.

Rate, Maturity, and Deposits:

Dividend rates and APYs are fixed for the initial term based on the Rate Schedule. Additional deposits are allowed for the 18-month Deposit Plus Share Certificate.

Minimum Opening Deposit:

The minimum deposit to open a Deposit Plus Share Certificate is $250.00.

Dividends, Penalties, and Renewal:

Dividends compound and credit monthly using the Daily Balance Method. Early withdrawal penalty: 180 Days Dividends. Accounts automatically renew at maturity unless changed, backed by a ten (10) day grace period.

Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

View Truth-in-Lending Rates and Fees Schedule.

^*APY=Annual Percentage Yield. APY is accurate as of 10/16/2026.

IRA Rate, Terms, and Deposits:

Fixed-rate IRA certificates (6, 12, 24, and 36-month terms) feature locked rates and prohibit additional deposits. The 18-Month IRA features a variable rate (adjusting monthly) and permits additional deposits subject to IRS limits. Minimum opening deposit is $500.00.

Minimum Opening Deposit:

6-Month Share Certificate: $500.00; 12-Month Share Certificate: $500.00; 18-Month^** Share Certificate: $100.00; 24-Month Share Certificate: $500.00 ; 36-Month Share Certificate: $500.00.

Dividends, Penalties, and Renewal:

Dividends use the Daily Balance Method, compounding and crediting monthly. Accounts auto-renew for matching terms with a ten (10) day grace period.

A penalty will be imposed for early withdrawal: 90 Days Dividends for 6-month term; 180 Days Dividends for 12, 18, 24, and 36-month terms.

^**The IRA 18-Month Share Certificate Account is a variable rate account and the rate may change after the account is opened. All other Share Certificate Accounts are fixed-rate accounts.

Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

View Truth-in-Lending Rates and Fees Schedule.

^*APR=Annual Percentage Rate.

Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Not all applicants will qualify for the lowest advertised APR. Your actual APR may differ and will be based on creditworthiness, loan amount, loan term, auto model year, and applicable underwriting criteria. Rates and terms are subject to change without notice. Lien placed on vehicle. Certain restrictions apply.

¹Displayed estimated payment (per $1,000) amounts and payment example assume excellent borrower credit history, a maximum LTV of 125% of MSRP or JD Power Retail Value, and maximum loan amount of $100,000. Displayed monthly payment amounts are precision-rounded for disclosure purposes. Repayment metrics are derived from actual amortized math factors over the maximum loan term, and rounded payment totals may vary slightly across alternative interest rate columns.

Payment Example: A $20,000.00 loan with a 0-month term at 4.99% APR will have 0 payments of $0.00 and a final payment of $0.00. This example is for illustrative purposes; actual rates, terms, and payments will vary based on your individual credit profile.

^**A 0.25 percentage-point direct deposit rate discount is available only at the time of application and when a Qualifying Direct Deposit^† is set up on an Everyday Hero Checking account. Qualifying Direct Deposit must be established within 60 days of loan funding. If qualifying direct deposit is not established within 60 days, or if qualifying direct deposit is subsequently discontinued during the term of the loan, the interest rate and APR will increase by 0.25 percentage points, in accordance with the terms of the loan agreement. Additional terms and conditions may apply.

^†A “Qualifying Direct Deposit” is a recurring electronic Direct Deposit of income from payroll, pension or government benefit payments (such as Social Security), made by your employer, payroll or benefits payor, or government agency via an Automated Clearing House (ACH) transfer. Each deposit must be identifiable as a direct deposit transaction through a valid ACH trace number. Teller deposits, debit card and ATM deposits or transfers, peer-to-peer transfers or payments including through Zelle®, Venmo®, Cash App, Apple Cash, Google Pay or similar service(s), Online and Mobile Banking transfers or deposits, transfers from another MCU account, or other in-person, ATM, or electronic transfer, such as wire transfer or one-time ACH deposits do not qualify as Qualifying Direct Deposits. MCU reserves the right to verify the source of all deposits and disqualify any that do not meet the defined criteria.

Minimum loan amounts:

• $10,000 up to 60 months
• $20,000 up to 72 months
• $30,000 up to 84 months

MCU will only finance vehicles purchased from franchise car dealers or the following independent dealers: TRUECar® Certified Dealers, Carvana®, CarMax® or Hertz Car Sales®.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

^*APR=Annual Percentage Rate.

Advertised "as low as" includes a 0.25 percentage-point rate discount^** for borrowers who establish and maintain Qualifying Direct Deposit^† to an MCU Checking account. Without qualifying direct deposit, the APR will be 0.25 percentage points higher. Not all applicants will qualify for the lowest advertised APR. Actual APR is based on creditworthiness, loan amount, loan term, and applicable underwriting criteria. Rates and terms are subject to change without notice. Certain restrictions apply.

¹Displayed estimated payment (per $1,000) amounts and payment example assume excellent borrower credit history. Displayed monthly payment amounts are precision-rounded for disclosure purposes. Repayment metrics are derived from actual amortized math factors over the maximum loan term, and rounded payment totals may vary slightly across alternative interest rate columns.

Payment Example: A $20,000.00 loan with a 0-month term at 7.74% APR will have 0 payments of $0.00 and a final payment of $0.00. This example is for illustrative purposes; actual rates, terms, and payments will vary based on your individual credit profile.

^**A 0.25 percentage-point direct deposit rate discount is available only at the time of application and when a Qualifying Direct Deposit^† is set up on an Everyday Hero Checking account. Qualifying Direct Deposit must be established within 60 days of loan funding. If qualifying direct deposit is not established within 60 days, or if qualifying direct deposit is subsequently discontinued during the term of the loan, the interest rate and APR will increase by 0.25 percentage points, in accordance with the terms of the loan agreement. Additional terms and conditions may apply.

^†A “Qualifying Direct Deposit” is a recurring electronic Direct Deposit of income from payroll, pension or government benefit payments (such as Social Security), made by your employer, payroll or benefits payor, or government agency via an Automated Clearing House (ACH) transfer. Each deposit must be identifiable as a direct deposit transaction through a valid ACH trace number. Teller deposits, debit card and ATM deposits or transfers, peer-to-peer transfers or payments including through Zelle®, Venmo®, Cash App, Apple Cash, Google Pay or similar service(s), Online and Mobile Banking transfers or deposits, transfers from another MCU account, or other in-person, ATM, or electronic transfer, such as wire transfer or one-time ACH deposits do not qualify as Qualifying Direct Deposits. MCU reserves the right to verify the source of all deposits and disqualify any that do not meet the defined criteria.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

^*APR=Annual Percentage Rate.

The APR is fixed for the term of the advance. Rates and terms are subject to change without notice based on shifting institutional dividend structures. Certain restrictions apply.

¹Displayed monthly payment amounts are precision-rounded for web disclosure purposes. Repayment metrics are derived from actual amortized math factors over the designated loan term, and rounded payment totals may vary slightly across alternative interest rate columns based on underlying account types.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

^*APR=Annual Percentage Rate.

The interest rate for a Certificate-Secured loan is fixed for the term of the advance and is determined by adding a flat 3.00% margin to the Annual Percentage Yield (APY) of the underlying share certificate used as collateral. Rates and terms are subject to change without notice based on shifting certificate rate structures. Certain restrictions apply.

¹The term for a share certificate secured loan is equal to the maturity timeline of the underlying share certificate collateral.

²The maximum amount that can be financed for the term.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

Personal Line of Credit (PLOC) Terms and Conditions: The Annual Percentage Rate (APR) for the Personal Line of Credit (PLOC) is an open-end variable rate determined by the Prime Rate plus a margin. The APR will fluctuate with the Prime Rate (the index) as published in The Wall Street Journal. As of October 1, 2026, the variable unsecured personal line of credit APR provided by Municipal Credit Union (MCU) is as low as 12.00% to 17.50%, with the margin varying based on credit score. Account approval is subject to credit assessment. Lowest rates are reserved for the most creditworthy borrowers.

The Prime Rate is 7.00%.

A 0.25% percentage-point direct deposit rate discount is available only at the time of application and when a Qualifying Direct Deposit^† is set up on an Everyday Hero Checking account. Qualifying Direct Deposit must be established within 60 days of loan funding. If qualifying direct deposit is not established within 60 days, or if qualifying direct deposit is subsequently discontinued during the term of the loan, the interest rate and APR will increase by 0.25 percentage points, in accordance with the terms of the loan agreement.

^†A “Qualifying Direct Deposit” is a recurring electronic Direct Deposit of income from payroll, pension or government benefit payments (such as Social Security), made by your employer, payroll or benefits payor, or government agency via an Automated Clearing House (ACH) transfer. Each deposit must be identifiable as a direct deposit transaction through a valid ACH trace number. Teller deposits, debit card and ATM deposits or transfers, peer-to-peer transfers or payments including through Zelle®, Venmo®, Cash App, Apple Cash, Google Pay or similar service(s), Online and Mobile Banking transfers or deposits, transfers from another MCU account, or other in-person, ATM, or electronic transfer, such as wire transfer or one-time ACH deposits do not qualify as Qualifying Direct Deposits. MCU reserves the right to verify the source of all deposits and disqualify any that do not meet the defined criteria.

To apply for a Personal Line of Credit, you will be required to authorize MCU to conduct a credit check, which will appear as a hard inquiry and may impact your credit score. The line of credit may be reduced or further extensions limited under certain circumstances.

Approval requires new or existing MCU membership.

The Personal Line of Credit will be linked as an overdraft protection line for any MCU checking account. The overdraft items may not be paid, and an NSF fee may be assessed if the Personal Line of Credit lacks sufficient available credit to pay the overdraft item, and the transaction may be declined. There is no annual fee or per-transaction fee for overdraft protection, and the standard APR will apply to any advances used to cover paid overdraft items.

The Personal Line of Credit Agreement and Disclosure outline the terms and conditions, while the Truth-In-Savings Rates and Fee Schedule specify the applicable billing amounts for your MCU deposit accounts. In addition to the link above, you can obtain a copy of the disclosure by visiting a branch or calling 1-844-MCU-NYNY (1-844-628-6969).

MCU reserves the right to modify or discontinue products and benefits based on market conditions and borrower eligibility.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

^*APR=Annual Percentage Rate.

The APR is the cost of credit over the term of the loan expressed as an annual rate.

Advertised Annual Percentage Rates (APRs) assume excellent borrower credit history. Not all applicants will qualify for the lowest advertised APR. All offers of credit are subject to standard credit approval requirements; Actual APR is based on creditworthiness, FICO score profiles, debt-to-income (DTI) metrics, underlying collateral evaluation, and applicable underwriting criteria. Rates and terms are subject to change without notice. Certain restrictions apply.

All loan terms are subject to credit approval and applicable loan program requirements. Applicants may be offered credit at higher rates and with different terms during the underwriting process, based on a full evaluation of their credit profile and other relevant factors. Certain loan programs may not be available to all applicants.

¹Payment Example, Rate, and Payment Assumptions. The Interest Rate, APR, and Estimated Monthly Payment assume the mortgage is a conforming loan. The property is an existing single-family home used as the borrower's primary residence in Queens County, New York, with a Loan to Value (LTV) ratio of 80% or less on a purchase mortgage, and assumes the highest credit rating. The Estimated Monthly Payment reflects principal and interest only and does not include property taxes or homeowners insurance (actual payments will be higher). Each payment amount will apply over the term of the loan.

Conforming mortgage loan limits for 1-4 family homes are $832,750, $1,066,250, $1,288,800, and $1,601,750, respectively. Mortgage loan amounts that exceed the conforming limits are considered jumbo mortgages or high balance mortgages if applicable.

The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require private mortgage insurance. Rates and points can be locked in only after your completed loan application is received.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

^*APR = Annual Percentage Rate.

The APR represents the total cost of credit over the term of the loan expressed as an annual rate.

Advertised Annual Percentage Rates (APRs) assume excellent borrower credit history. Not all applicants will qualify for the lowest advertised APR. All offers of credit are subject to standard credit approval requirements; Actual APR is based on creditworthiness, FICO score profiles, debt-to-income (DTI) metrics, underlying collateral evaluation, and applicable underwriting criteria. Rates and terms are subject to change without notice. Certain restrictions apply.

All loan terms are subject to credit approval and applicable loan program requirements. Applicants may be offered credit at higher rates and with different terms during the underwriting process, based on a full evaluation of their credit profile and other relevant factors. Certain loan programs may not be available to all applicants.

Rate and Payment Assumptions:

All interest rates, APRs, and monthly payment examples are based on a conforming $500,000 purchase mortgage with a 30-year term (360 months) and a Loan-to-Value (LTV) ratio of 80% or less. This scenario assumes a borrower with excellent credit purchasing an existing single-family home as a primary residence in Queens County, New York. Estimated monthly payments reflect principal and interest only; actual payments will be higher to include amounts for taxes, escrow, or insurance. Loans with an LTV ratio above 80% may require private mortgage insurance (PMI).

¹Initial Period: The Initial Interest Rate and Initial Monthly Payment are fixed for the first 5 years (60 months) of the loan term and are not determined by a market index.

²Fully Indexed Rate: Following the initial fixed period, your interest rate converts to a variable rate calculated by adding a specified margin to a market index.

³Adjustable Period Payment: Beginning with the 61st payment and continuing every 6 months thereafter (Months 61–360), the monthly payment adjusts based on interest rate variations capped by standard initial adjustment limits. Any interest-rate adjustment will directly impact your monthly payment for the remaining 300 months of the loan term.

General Terms:

All loan terms are subject to credit approval and program guidelines. Applicants may be offered higher rates or different terms depending on their unique credit profile and underwriting evaluation. Displayed rates and points are subject to change without notice and do not constitute a commitment to lend or a guarantee of rate locking. Rates can only be locked upon completion of a full loan application. Certain loan programs may not be available to all applicants.

Mortgage products are available to members residing in NY, NJ, PA, and CT.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

^*APR = Annual Percentage Rate.

The APR represents the total cost of credit over the term of the loan expressed as an annual rate.

Advertised Annual Percentage Rates (APRs) assume excellent borrower credit history. Not all applicants will qualify for the lowest advertised APR. All offers of credit are subject to standard credit approval requirements; Actual APR is based on creditworthiness, FICO score profiles, debt-to-income (DTI) metrics, underlying collateral evaluation, and applicable underwriting criteria. Rates and terms are subject to change without notice. Certain restrictions apply.

All loan terms are subject to credit approval and applicable loan program requirements. Applicants may be offered credit at higher rates and with different terms during the underwriting process, based on a full evaluation of their credit profile and other relevant factors. Certain loan programs may not be available to all applicants.

Rate and Payment Assumptions:

All interest rates, APRs, and monthly payment examples are based on a conforming $500,000 purchase mortgage with a 30-year term (360 months) and a Loan-to-Value (LTV) ratio of 80% or less. This scenario assumes a borrower with excellent credit purchasing an existing single-family home as a primary residence in Queens County, New York. Estimated monthly payments reflect principal and interest only; actual payments will be higher to include amounts for taxes, escrow, or insurance. Loans with an LTV ratio above 80% may require private mortgage insurance (PMI).

¹Initial Period: The Initial Interest Rate and Initial Monthly Payment are fixed for the first 7 years (84 months) of the loan term and are not determined by a market index.

²Fully Indexed Rate: Following the initial fixed period, your interest rate converts to a variable rate calculated by adding a specified margin to a market index.

³Adjustable Period Payment: Beginning with the 85th payment and continuing every 6 months thereafter (Months 85–360), the monthly payment adjusts based on interest rate variations capped by standard initial adjustment limits. Any interest-rate adjustment will directly impact your monthly payment for the remaining 276 months of the loan term.

General Terms:

All loan terms are subject to credit approval and program guidelines. Applicants may be offered higher rates or different terms depending on their unique credit profile and underwriting evaluation. Displayed rates and points are subject to change without notice and do not constitute a commitment to lend or a guarantee of rate locking. Rates can only be locked upon completion of a full loan application. Certain loan programs may not be available to all applicants.

Mortgage products are available to members residing in NY, NJ, PA, and CT.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

^*APR = Annual Percentage Rate.

The APR represents the total cost of credit over the term of the loan expressed as an annual rate.

Advertised Annual Percentage Rates (APRs) assume excellent borrower credit history. Not all applicants will qualify for the lowest advertised APR. All offers of credit are subject to standard credit approval requirements; Actual APR is based on creditworthiness, FICO score profiles, debt-to-income (DTI) metrics, underlying collateral evaluation, and applicable underwriting criteria. Rates and terms are subject to change without notice. Certain restrictions apply.

All loan terms are subject to credit approval and applicable loan program requirements. Applicants may be offered credit at higher rates and with different terms during the underwriting process, based on a full evaluation of their credit profile and other relevant factors. Certain loan programs may not be available to all applicants.

Rate and Payment Assumptions:

All interest rates, APRs, and monthly payment examples are based on a conforming $500,000 purchase mortgage with a 30-year term (360 months) and a Loan-to-Value (LTV) ratio of 80% or less. This scenario assumes a borrower with excellent credit purchasing an existing single-family home as a primary residence in Queens County, New York. Estimated monthly payments reflect principal and interest only; actual payments will be higher to include amounts for taxes, escrow, or insurance. Loans with an LTV ratio above 80% may require private mortgage insurance (PMI).

¹Initial Period: The Initial Interest Rate and Initial Monthly Payment are fixed for the first 10 years (120 months) of the loan term and are not determined by a market index.

²Fully Indexed Rate: Following the initial fixed period, your interest rate converts to a variable rate calculated by adding a specified margin to a market index.

³Adjustable Period Payment: Beginning with the 121st payment and continuing every 6 months thereafter (Months 121–360), the monthly payment adjusts based on interest rate variations capped by standard initial adjustment limits. Any interest-rate adjustment will directly impact your monthly payment for the remaining 240 months of the loan term.

General Terms:

All loan terms are subject to credit approval and program guidelines. Applicants may be offered higher rates or different terms depending on their unique credit profile and underwriting evaluation. Displayed rates and points are subject to change without notice and do not constitute a commitment to lend or a guarantee of rate locking. Rates can only be locked upon completion of a full loan application. Certain loan programs may not be available to all applicants.

Mortgage products are available to members residing in NY, NJ, PA, and CT.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

^*APR=Annual Percentage Rate.

The APR is the cost of credit over the term of the loan expressed as an annual rate.

Advertised Annual Percentage Rates (APRs) assume excellent borrower credit history. Not all applicants will qualify for the lowest advertised APR. All offers of credit are subject to standard credit approval requirements; Actual APR is based on creditworthiness, FICO score profiles, debt-to-income (DTI) metrics, underlying collateral evaluation, and applicable underwriting criteria. Rates and terms are subject to change without notice. Certain restrictions apply.

All loan terms are subject to credit approval and applicable loan program requirements. Applicants may be offered credit at higher rates and with different terms during the underwriting process, based on a full evaluation of their credit profile and other relevant factors. Certain loan programs may not be available to all applicants.

High Balance Mortgages are conventional mortgages where the loan amount is greater than the Federal Housing Finance Agency (FHFA) general baseline loan limit of $832,750 and lower than or equal to the designated high-cost area maximum ceiling of $1,249,125 for a single-family (1-unit) primary property. General and specific high-cost area loan limits are established annually for each county (or equivalent) by the FHFA based on regional market evaluations.

¹Payment Example, Rate, and Payment Assumptions. The Interest Rate, APR, and Estimated Monthly Payment assume the mortgage is a $832,750 High Balance loan, the property is an existing single-family home used as the borrower's primary residence in Queens County, New York, a Loan to Value (LTV) ratio of 80% or less on a purchase mortgage, assuming the highest credit rating. The payment amount will apply over the term of the loan.

The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require private mortgage insurance. Rates and points can be locked in only after your completed loan application is received.

Mortgage options are available through MCU in the following states: NY, NJ, PA, CT

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

^*APR=Annual Percentage Rate.

The APR is the cost of credit over the term of the loan expressed as an annual rate.

Advertised Annual Percentage Rates (APRs) assume excellent borrower credit history. Not all applicants will qualify for the lowest advertised APR. All offers of credit are subject to standard credit approval requirements; Actual APR is based on creditworthiness, FICO score profiles, debt-to-income (DTI) metrics, underlying collateral evaluation, and applicable underwriting criteria. Rates and terms are subject to change without notice. Certain restrictions apply.

All loan terms are subject to credit approval and applicable loan program requirements. Applicants may be offered credit at higher rates and with different terms during the underwriting process, based on a full evaluation of their credit profile and other relevant factors. Certain loan programs may not be available to all applicants.

Mortgage loan amounts that exceed the conforming limits are considered Jumbo mortgages. Conforming mortgage loan limits for 1-4 family homes are respectively $832,750, $1,066,250, $1,288,800, and $1,601,750.

¹Payment Example, Rate, and Payment Assumptions. The Interest Rate, APR, and Estimated Monthly Payment assume the mortgage is a $1,000,000 Jumbo loan, the property is an existing single-family home used as the borrower's primary residence in Queens County, New York, a Loan to Value (LTV) ratio of 80% or less on a purchase mortgage, assuming the highest credit rating. Each payment amount will apply over the term of the loan.

The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require private mortgage insurance. Rates and points can be locked in only after your completed loan application is received.

Mortgage options are available through MCU in the following states: NY, NJ, PA, CT

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

^*APR=Annual Percentage Rate.

Advertised introductory percentage rates assume excellent borrower credit history. APRs and promotional calculations are based on assumed minimum credit lines of $100,000 unless otherwise noted. Rates and terms are subject to change without notice. All offers of credit are subject to standard credit approval requirements; applicants may be offered lines at higher rates or different terms depending on approved creditworthiness, FICO score profiles, debt-to-income (DTI) metrics, and underlying collateral evaluation.

¹STANDARD PROMOTION

Borrowers with credit scores of 620 – 719 1st or 2nd lien position may receive an introductory 6.25% fixed APR for the first 12 months with a maximum 80% Combined Loan-to-Value (CLTV). An immediate draw of $25,000 will be required at closing.

²2nd LIEN SPECIAL PROMOTION

Borrowers with credit scores of 720 and above 2nd lien position may receive an introductory 5.99% fixed APR for the first 12 months with a minimum loan amount of $100,000 and a maximum of 75% Combined Loan-to-Value (CLTV), with a required initial draw depending on the approved loan amount. The initial draws are as follows:

1. Loan amount of $100,000 requires a minimum draw of $25,000.
2. Loan amount between $101,000 - $250,000 requires a minimum draw of $50,000.
3. Loan amount between $251,000 - $500,000 requires a minimum draw of $100,000.

Minimum draw at closing required.

³1st LIEN SPECIAL PROMOTION

Borrowers with credit scores of 720 and above 1st lien position may receive an introductory 5.49% fixed APR for the first 12 months with a minimum loan amount of $100,000 and a maximum of 75% Combined Loan-to-Value (CLTV), with a required initial draw depending on the approved loan amount. The initial draws are as follows:

1. Loan amount of $100,000 requires a minimum draw of $25,000.
2. Loan amount between $101,000 - $250,000 requires a minimum draw of $50,000.
3. Loan amount between $251,000 - $500,000 requires a minimum draw of $100,000.

Minimum draw at closing required. Municipal Credit Union cannot pay your mortgage recording fees or mortgage transfer taxes for this specific 1st Lien special promotion.

ALL PROMOTIONAL RATES

The introductory promotional APR is discounted, is not based on the index and margin used for later adjustments, and is fixed for the initial one-year (twelve-month) period. Municipal Credit Union Home Equity Lines of Credit feature a draw period of up to 10 years with interest-only payment options. Following the conclusion of the 10-year draw period, the outstanding balance enters a 20-year repayment lifecycle requiring fully amortized principal and interest installments.

After the initial 12-month fixed introductory period expires, your standard APR converts to a variable rate calculated by combining The Wall Street Journal Prime Rate index with your qualified margin tier. The annual percentage rate may vary and is equal to the highest Prime Rate published in the Wall Street Journal on or before the last day of the preceding monthly billing period plus a margin between 0% and 4% based on creditworthiness. Following conversion, a HELOC line carries an absolute lifetime floor minimum APR of 3.00%, and the maximum lifetime variable APR that may be imposed is capped at 6.00% above your initial interest rate at closing up to a maximum ceiling of 18.00%.

The Prime Rate is 7.00%.

Covered closing costs will be paid on behalf of the borrower by MCU at account initiation, provided that at closing you take a minimum initial advance of $25,000 and keep your line of credit open for at least 36 months (three years). If the HELOC account is voluntarily closed and satisfied within the first 36 months, you will be required to reimburse MCU for certain fees paid to third parties. Paid closing costs subject to this 36-month recapture provision include the initial property valuation source fee, title property report, municipal lien search, credit report fee, and flood zone tracking certification. These third-party fees generally range between $135.00 and $10,500.00 depending on the line volume, localized property values, and real estate types.

For qualifying standard promotions, borrowers retain the custom option to have the mandatory local mortgage recording fees and state mortgage transfer taxes paid directly by MCU at closing in exchange for an additional 0.500% rate premium added directly to their introductory promotional rate and subsequent fully indexed variable rate for the lifetime term of the line. These tax and recording expenses remain subject to the 36-month early satisfaction repayment recapture provision.

HELOCs are secured by a junior or senior mortgage on your primary residence. Primary residential properties must consist of eligible single-family or multi-family homes; co-ops, condominiums, and non-owner-occupied investment properties are not accepted. Valid property hazard insurance is strictly required at all times. Supplemental flood insurance coverage will be mandated if the property is determined to sit within a designated Special Flood Hazard Area (SFHA). Combined Loan-to-Value (CLTV) thresholds apply.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

View Important HELOC Terms

^*APR = Annual Percentage Rate.

The rate is fixed for the term of the loan. Advertised rates for 10-, 15-, and 20-year terms are based on a credit score of 760 or higher. Rates may be higher based on the applicant’s creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.

APRs and advertised monthly payment examples are calculated based on a conforming loan amount of $100,000. Advertised 1st Lien rates are applicable only when Municipal Credit Union holds the primary (first) mortgage position on the collateral property. Standard closed-end rates apply to secondary lien positions. The minimum loan amount is $25,000 up to a maximum loan amount of $500,000. Maximum Loan-To-Value (LTV) or Combined Loan-To-Value (CLTV) is 80%.

Estimated monthly payment amounts are based on a $100,000 loan volume and assume the following repayment terms: 10-year terms consist of 120 monthly installments; 15-year terms consist of 180 monthly installments; and 20-year terms consist of 240 monthly installments. Displayed examples are precision-rounded for disclosure purposes, do not reflect property taxes and/or homeowner insurance, and actual total monthly obligations may be higher.

A Home Equity loan will be secured by a mortgage on your residence. Property insurance is required. Flood insurance may be required if the property is located in a flood zone.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

^*APR=Annual Percentage Rate.

The APR is fixed for the loan term. Advertised annual percentage rates (APR) assume excellent borrower credit history. Applicants must have a minimum credit score of 620. Rates may be higher based on the applicant's creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.

Payment Example: A $50,000.00 loan with a 0-month term at 6.000% APR will have 0 payments of $0.00 and a final payment of $0.00. This example is for illustrative purposes; actual rates, terms, and payments will vary based on your individual credit profile.

Advertised APRs and monthly payment examples are calculated based on an assumed loan amount of $50,000. Estimated payment amounts and repayment periods are referenced on the above rate tables. The minimum amount that can be borrowed is $5,000, and the maximum amount is $50,000. Available loan repayment options range from 1 to 10 years based on approved credit profiles and preference. There is no maximum Loan-To-Value (LTV) requirement. This loan has no closing costs other than the cost of an appraisal, if required.

Estimated monthly payment amounts displayed are precision-rounded for web disclosure purposes, do not reflect real estate tax or insurance escrow obligations, and actual monthly payment obligations may be higher.

A Home Improvement Home Equity loan will be secured by a mortgage on your primary residence and must be used for home improvements. Property insurance is required. Flood insurance may be required if the property is located in a designated flood zone.

Qualifications – This inclusive loan product is exclusively offered to members who satisfy the following localized criteria:

1. The applicant must own and occupy the subject property as their primary residence.
2. The primary residence must be located within a low, moderate, or middle census tract zone as defined and scaled by the Federal Financial Institutions Examination Council (FFIEC) guidelines.
3. Properties in the low, moderate, or middle census tract zones mentioned above meet the geographic pre-qualification parameters for this program.
4. If the home is located outside of the low, moderate, or middle census tract zones, applicants may still qualify by demonstrating total household income at or below the regional low-to-moderate threshold scale. Please schedule an appointment with a Home Lending Sales Representative to verify family income eligibility.
5. Applicants must satisfy all alternative standard underwriting eligibility criteria, including debt-to-income (DTI) ratios, credit file health, and lien positions.

*Census tract classifications are derived from U.S. Census Bureau data and defined relative to the regional Area Median Family Income (AMFI): Low-income tracts represent areas with a median family income below 50% of the AMFI; Moderate-income tracts range from 50% to less than 80% of the AMFI; and Middle-income tracts range from 80% to less than 120% of the AMFI. Properties falling into Upper-income tracts (120% or greater of AMFI) require household income verification to qualify.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.