View Message

Notice: Digital Banking & NYMCU Mobile App Are Up and Running!
We’re happy to share that NYMCU Digital Banking and our Mobile Banking App are fully operational and working as expected. You can log in anytime to check balances, transfer funds, pay bills, and manage your accounts with confidence.
Thank you for being a valued MCU member — we’re here for you!

AUTO LOANS AND SERVICES

Get on the Road to Meeting Your Goals

Explore 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.

Auto-Loans-and-Services_524x524

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.

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
pexels-jeshootscom-13861

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.

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.

top top
bottom

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.

New Referral Program

Turn Referrals Into Rewards: MCU’s New Program Makes It Easy (and Worth It)

Electric vs. Hybrid vs. Gas: Which Car Should I Buy for Best Fuel Economy?

Shopping for a car today means choosing between three distinct powertrain options. Each has unique benefits and trade-offs that can significantly impact your daily driving experience and wallet. ...

What Are Share Certificates?

Your Guide to Credit Union's Version of CDs If you're exploring savings options at credit unions, you've likely encountered the term "share ...
FAQs

Got Questions? We’ve Got Answers.

Why does pre-approval matter?

Getting pre-approved for an auto loan shows you the amount that you’re approved for before you go in to purchase a new vehicle, helping you set a manageable budget for your new car purchase. Having this information beforehand empowers you to make smart spending decisions and gives you greater buying power at the dealership to help you save money.

What is GAP coverage?

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%. 

How does the MCU Car Buying Service work?

The MCU Car Buying Service is provided through a partnership with TrueCar®. You can use the service to find a new or used vehicle, apply for financing and make a purchase all within a single process. Learn more here.

What is MSRP?

MSRP stands for Manufacturer’s Suggested Retail Price. It is the price that the specific car manufacturer recommends the vehicle should be sold for. While this price does influence the final cost of the car, depending on certain scenarios the price may end up being higher or lower than this recommended amount.

Driving Community Success for our Members

No matter where you are in life or what goals you’re working toward, MCU is ready to assist you with educational resources, reliable banking products, and personalized service designed to help you create an exceptional financial future.

final-cta-green-visual-asset_left
02.04.01.00-mcu-true-rewards-cashback-visa-hero-image_dots-isolated-1
final-cta-visual-asset-paint-stroke
You are now leaving the Municipal Credit Union website and entering a website hosted by another party. A link to this site is being made available for convenience and informational purposes only. Any products or services accessed through this link are not being provided by Municipal Credit Union and are solely the responsibility of the vendor or merchant hosting this other website. Please be advised that the vendor or merchant hosting this other website may have a privacy and information security policy that is different than that of Municipal Credit Union. Municipal Credit Union disclaims any responsibility for the content of the third-party website you are about to access.