View Message


The Harlem branch will be closed for the remainder of today and will reopen for business on Friday, November 24th. 



Top-Tier Insurance for Everyday Heroes

MCU has more than a century-long history of being there for what really matters. Protecting you and your family isn’t our product; it’s our passion.

top-shape green-shape drak-blue red-shape yellow-shape

Discover Insurance Plans That Offer Peace of Mind.

Together with our partners at TruStage® and PFP, MCU can help provide you and your family with competitive rates on insurance products that offer peace of mind and financial support when you need it most.

AD&D Insurance-1

AD&D Insurance

Accidental Death & Dismemberment (AD&D) Insurance is often purchased as a supplement to life insurance and can pay a cash benefit for loss of life, limb, digits, vision, speech, or hearing as a result of an accident.

See AD&D Insurance
Home & Auto Insurance-1

Auto & Home

Honoring everyday heroes who bank with MCU is about making membership valuable. To support our members and their families, we partnered with TruStage® to offer our members auto and home insurance that makes top-quality protection affordable.

See Auto & Home
Term Life Insurance-1

Term Life Insurance

Protect your family from suffering the loss of your income in the case that you pass away. TruStage® Term Life Insurance provides your loved ones with funds to assist with their future financial needs.

See Term Life Insurance
Whole Life Insurance-1

Whole Life Insurance

Through our partners at PFP, Whole Life Insurance provides permanent coverage for the life of the insured and a savings component to help meet your financial needs. Get immediate coverage that won’t increase in cost.

See Whole Life Insurance

Banking That’s Always by Your Side

Access the information you need, when you need it with our easy-to-navigate digital banking platform. Discover helpful tools and settings that make banking smarter, not harder.

NYMCU Digital Banking

Serving All the Heroes in Our Community with Better Banking

Whether you want to start building credit, or start growing your savings, your assets, or your family, MCU has a variety of products with competitive rates, member-friendly terms, and the tools you need to build an exceptional financial future.


Checking Accounts

Managing your everyday banking has never been easier. Get paid instantly with direct deposit, manage your money on the go, enjoy easy ATM access, and get real-time transaction updates to keep you on track while you spend.

See Checking Accounts

Savings Accounts

MCU’s savings products make sure each dollar is working harder for you. Whether you’re saving for something specific or just putting money away for a rainy day, MCU has you covered with great rates and a variety of savings options.

See Savings Accounts


MCU members can prepare for their financial futures with fixed or variable rate options on both traditional IRAs (designed to allow you to make pre-tax contributions) and Roth IRAs (designed to allow for tax-free qualified distributions upon retiring).

See IRAs

Credit Cards

From building credit to getting cash back on your everyday spending, our VISA® credit card options are designed to meet all of our members’ credit needs. Ready to start swiping? Apply today.

See Credit Cards

Lending Products

Whether you’re looking to buy a car or a home, pay for something urgent, or finance a special project, MCU has member-friendly terms and low rates for your next big purchase.

See Lending Products
member resources

Member Resources

Our educational resources are designed to guide you through life’s financial ups and downs with actionable tools and information to help you meet your specific goals.

See Member Resources

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.

Show Me Products For My Life Right Now
top top

Make the Most of Your MCU

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)

Have you heard of PMI? PMI, short for Private Mortgage Insurance, is an insurance policy that helps protect the lender if the borrower can't pay their mortgage. ...

What to Consider Financially As A First-Time Homebuyer

So, you’re ready to buy your first home. Congratulations! For many people, taking this step is one of the biggest financial moves they will make in their entire lives. Because of ...

Mortgages 101: Getting Started on The Path to Homeownership

When you embark on the search for a new home, you may think you know the steps to take: Read the listings, visit some open houses, sign on with a Realtor, make an offer. In fact, ...

Get Answers to Our Most Frequently Asked Questions.

What is the process for applying for insurance through MCU?

The process differs depending on the type of insurance product and which trusted insurance partner is offering it. If the product is offered through The Family Security Plan® visit this page for more information If the product is offered through TruStage® visit for more information.

Is MCU an insurance company?

No, MCU is not an insurance company. MCU partners with insurance companies to offer our members top-of-the-line insurance products and services.

Can my family members get the same discounts or free benefits as I do?

Yes and no. Generally, most of your benefits will be available to your dependents, but not to immediate family members. Your immediate family is eligible to join MCU and reap all the benefits that come from being a member, though—just send them this link to help them apply.

What discounts do I get with MCU membership?

The discounts differ depending on the type of insurance product and which trusted insurance partner is offering it. If the product is offered through The Family Security Plan® visit this page for more information If the product is offered through TruStage® visit for more information.

Whom do I contact when I have a question about insurance?

You can contact the MCU member services team via our contact page here:, we will be happy to answer any questions you may have.

Ready to Join the MCU Community?

Apply now to get access to the competitive rates, reliable banking products, and educational resources you need to create a foundation for an exceptional financial future.

Join Now
Why Join?
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.