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


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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.

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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.

car refinance

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!

car buy service

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)

GAP coverage is a way to protect your auto loan. GAP coverage helps cancel the difference between the primary insurance settlement and what you might still owe on the loan.

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
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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.

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Home & Mortgage 1-1

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.

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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.

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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.

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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.

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, ...

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 while at a car dealership.

What is GAP coverage?

Guaranteed Asset Protection (GAP) insurance coverage protects your spending responsibility if your car is totaled or stolen. GAP coverage helps cover the difference between the current value of your car and what you still owe with your original loan agreement.

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.

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