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Auto Loans and Services
Getting NYC’s Heroes on the Road to Their Goals
Explore our affordable and easy-to-manage loan and service options so you can focus on what really matters: grocery runs, daycare pickups, or a new commute. Let's get you driving.
Let’s Get You Where You Need to Go.
Municipal Credit Union is here to help heroes complete their day-to-day through a wide range of services that makes securing transportation a breeze.
No matter what you’re looking for—loans, refinancing, or car-buying services—we’ve got you covered.
Auto Loans
Auto loans designed with heroes like you in mind. Discover loan options with member-friendly terms like low payments and low interest rates.
Auto Refinancing
Put more money in your pocket as you pay off your existing loans. We’ll do the heavy lifting and discover new ways for you to save through our refinancing options. No application fees—let’s get started!
MCU Car Buying Service
Through our partnership with TrueCar®, we’re proud to offer our members helpful research and comparison tools, fast pre-approval and guaranteed pricing at certified dealerships. Let us help you drive off with the perfect new ride.
Mechanical Breakdown Protection (MBP)
Drive with peace of mind knowing that with Mechanical Breakdown Protection (MBP) you have protection against the increasingly high cost of repairs and associated labor costs for mechanical and electrical vehicle failures.
Guaranteed Asset Protection (GAP)
Guaranteed Asset Protection (GAP) s a voluntary, non-insurance product designed to waive the remaining loan balance not
covered by the borrower's primary insurance carrier settlement in the event of a total loss or unrecovered theft, subject to
limitations and exclusions, including but not limited to loan-to-value (LTV) maximum, delinquent payments, late charges,
refundable service warranty contracts and other insurance related charges.
GAP covers the difference between the borrower’s outstanding loan balance and the actual cash value (ACV) of the vehicle up to the maximum LTV%.
Collateral Protection Insurance (CPI)
As part of your auto loan obligation, you are required to maintain physical damage insurance coverage on your vehicle until you pay off the loan.
Protection for the Long Haul
We’re partnering with TruStage® to bring you straightforward and reliable auto insurance.
When it comes to protecting your loved ones and your possessions, you shouldn’t have to settle. Members enjoy top-notch protection at an affordable price:
- Customized planning options
- Accident Forgiveness
- 24-Hour Claims Assistance
- Better Car Replacement
- Optional 24-hour roadside assistance
Let’s Connect You with the Lending Resources You Need.
Reach your financial goals and take your household to the next level with our additional lending options.
Personal Loans
Don't compromise on important household decisions. Find the personal loan you need with low interest rates and affordable payments, consolidated bills and lower payments, and convenient repayment options.
Home Equity Loans
Let the value of your home work for you. Borrow up to 80% of your home’s available equity in a single lump sum with fixed and stable payment plans made over your preferred loan period.
HELOCs
Choose to spend as much or as little as you need with a variable, revolving Home Equity Line of Credit (HELOC). Like a credit card, you’ll be approved for more borrowing as you make payments toward your outstanding balance.
No Matter Where You Are in Life, We’re Right There with You.
At MCU, we believe that a credit union should be a lifelong source of financial education and support—from planning for college to saving for retirement and everything in between.
That’s why we have specialized recommendations for products and services designed to help you meet your goals (both short-term and down the road), based on your changing needs and priorities.
Make the Most of Your MCU Membership.
Membership in our community is about more than just banking. As an MCU member, you can access valuable information and resources to help you plan and reach your financial goals.
All about Private Mortgage Insurance (PMI)
What to Consider Financially As A First-Time Homebuyer
