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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.

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.

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Competitive Interest Rates

We offer rates on lending products that protect your spending power as you work toward your financial goals.

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Pre-Approved Financing

Get the freedom you need to move faster. Our pre-approved financing options ensure you can get started securing a new car right away.

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Affordable Insurance Protection

We’re here to protect you from the unexpected. Explore low-cost insurance options from our partners at TruStage® that cover your needs in the event of injury, illness, or death.

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MCU Car Buying Service

Through our partnership with TrueCar®, we’re proud to offer our members helpful research and comparison tools, fast pre-approvals, and big discounts on purchase prices*.

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.


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.


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.


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.


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

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.

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Home Loans

Buying a home is a big step, and choosing the right mortgage is critical. Lending Sales Specialists are there to guide you through every step of the way—so you can get into your dream home faster.

See Home Loans

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

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.

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 ...

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.

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.

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.

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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