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MCU's Shared Secured Loans

Borrow the money you need for the things you want with a low-rate Share Secured Loan from MCU. It’s secured by your Share Account so the more you’ve saved, the more you can borrow. There is no credit check required and easy payments with direct deposit or payroll deduction. As payments are made, the amount posted to principal is automatically available for use.

Apply today and have your loan amount deposited into your FasTrack Checking account. It’s that simple!

To apply for an MCU Share Secured Loan, visit your nearest MCU branch.

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CD Secured Loans are also available.

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*APR = Annual Percentage Rate. This rate is available for applications received between 3/9/20 - 4/30/20. Example: Your payments will consist of 60 monthly payments of $17.97 on each $1,000 borrowed at 2.99% APR. This promotion is for new loans in the amount of $1,000 or greater (net any outstanding Share Secured loan balances refinanced with MCU). Other share secured loans, in the minimum amount of $500 are available at the prevailing rate of 3.50% APR. Rates and terms are subject to change without notice. Certain restrictions apply. Membership required.

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This web site, www.nymcu.org, is the only authorized web site of Municipal Credit Union of New York City, New York. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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MCU’s services and products are directed to members residing in the United States.

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Routing Number: 226078036

  • ncua Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.