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ALERT:
In Observance of Presidents' Day all MCU branches, and our contact center will be closed Monday, February 19.

NYMCU Digital Banking & the Mobile App will remain available.

 

 

AUTO LOANS

Shift Into Drive Today

Get pre-approved in minutes, and into the car of your dreams with rates as low as 5.50% APR.*

*This is a discounted rate. The APR for auto loans will increase by .25% after consummation if the member does not have a direct deposit into their share draft (checking) account within 60 days of the loan closing.

MCU is an Equal Housing Opportunity Lender

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Find an Auto Loan that Fits Your Needs.

We’re proud to offer all our members—the heroes of New York—financial support to help them meet their goals, even purchasing a new or used vehicle. Our team is standing by to help you find the car of your dreams—and finance it.

Get the Car You Need at a Price You Can Afford.

Ready for that new car feeling? Whether you’re looking to buy a new or used vehicle, we’ve got you covered. Our easy-to-understand and easy-to-manage borrowing and repayment options ensure the road ahead won’t be so bumpy.

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Let’s Work Together to Get You Driving.

We’re ready to guide you through every step of the car buying process, from securing your initial loan to finding the right protection plans.

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Competitive Rates and Flexible Terms

We offer low interest rates that protect your spending power and flexible term options for easy loan management. Ensure you never miss a payment with our automatic transfer payment option.

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Locked-In Rates

Buying a new or used car is a big decision—give yourself time to make the right one. We lock your rate for 30 days so you can shop, research, and choose with confidence—made all the easier with the MCU Car Buying Service.

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No Down Payment

Keep your money in your pocket and start borrowing, without an initial lump sum down payment for qualified buyers.

Your One Stop Shop: Plan, Explore, and Buy with Confidence

Finding your dream car has never been easier. With the help of our partners at TrueCar®, our Car Buying Service lets you quickly and easily secure financing, compare vehicles, and make final purchase decisions.

Let us do the heavy lifting. Enjoy a hassle-free car buying experience and save with member discounts. Pre-approved financing is available.

Learn More

Protection for the Long Haul

When life surprises you, we’re there to help. Get peace of mind knowing you and your family are protected from the unexpected.

We make finding the right auto insurance plan easy. Secure top-notch protection at an affordable price, through our partner TruStage®.

Find Your Auto Protection Plan
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Banking That’s Always by Your Side

Make managing and paying your auto loan a breeze with digital banking tools like Bill Pay. 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
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Let’s Connect You to the 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.

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.

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 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.

Join Now
Why Join?
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