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ALERT
Our Midwood branch located at 1560 Flatbush Avenue in Brooklyn will reopen this Friday, May 31st!

In the meantime, you can securely access your accounts by logging into Digital Banking or visiting any of our other local branches.

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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.

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.

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, ...
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.

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