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We're excited to announce that the MCU website has been rebuilt and redesigned for an improved banking experience. Discover the exciting changes and enhanced features by visiting our dedicated information page.

Click here for more details.


Lending Options to Help You Cross the Finish Line on Your Goals

From financing a new car to consolidating debt with a personal loan to getting a Home Equity Line of Credit (HELOC), MCU has the lending solutions you need—all with manageable repayment options and competitive rates.

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Find the Loan That’s Right for You.

Let MCU find a lending option to help you reach your financial goals.

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Personal Loans

Don’t compromise on your financial plans. A personal loan may help you achieve your goals by breaking up large or unexpected expenses into lower monthly payments.

See Personal Loans
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Auto Loans & Services

Whether you’re new to the car buying process or come to the table with prior experience, we’ve got you covered every step of the way. Our partnership with TrueCar® car buying service coupled with our competitive financing options makes the car buying process a smooth ride.

See Auto Loans & Services

Student Loans

Looking to pursue higher education and advance your career? We’ve partnered with Sallie Mae® to offer student loans tailored to meet your needs, whether you’re attending trade school, college, or grad school.

See Student Loans

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

Looking for a Mortgage?

When you’re ready to purchase a new home, MCU is here with a variety of mortgages and residential lending solutions designed to suit your specific needs.

Explore Mortgage Options
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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
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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.

When Should You Take Social Security?

When Should You Take Social Security?

Filing for Social Security benefits as soon as you can  — or shortly thereafter —  a few years early may seem like a good idea at first. The money is ...
How To “Trick” Yourself Into Saving More

How To “Trick” Yourself Into Saving More

With inflation high and money tight for so many of us, there’s never been a better time to re-examine how we’re managing our finances and to make some moves to save more. ...
How Much Should You Save For Retirement?

How Much Should You Save For Retirement?

In a perfect world, you would start saving for retirement with your very first paycheck and keep at it until the day you left your job some 40 years later. But not everyone works ...

Get Answers to Our Most Frequently Asked Questions.

What are your current interest rates?

Rates are based on credit, and only our lowest rates are viewable before the application is submitted—which you can see by visiting Or, you can request the current rates when speaking to one of our friendly loan officers. But, the only way to know what rate you’ll qualify for is to apply.

What is the closing process?

You can track the status of your loan application via our NYMCU Online and Mobile Banking platforms. When it is time to move forward with your loan, you will be contacted by a member of our staff to discuss the process. Once the documents are signed and the loan is processed, you will receive your funds.

Do I need to be a member to apply for a loan?

Yes, membership is required to apply for any type of loan with MCU. Visit to learn more about membership and eligibility.

How do I know if a type of loan is the right option for me?

Because everyone’s scenario is unique, please feel contact an MCU representative or a Lending Sales Specialist at (212) 693-4900. Our team is available to help you make an informed decision regarding which loan you should pursue.

How can I make a loan payment?

Paying your loan with MCU is easy! There are many ways to do so, but the easiest is to make your loan payments via our NYMCU Mobile or Online Banking Apps. To learn more about setting up automatic transfers please visit

Ready to Join the MCU Community?

Gain access to the products and services that help our members create a foundation for an excellent financial future—such as competitive rates, reliable banking products, and educational resources to stay in control of your finances.

Join Us
Why Join?
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