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ALERT
For the safety and security of our members and MCU team, please note that the hours of operation for the South Bronx Branch ATM lobby located at 560 Courtlandt Avenue Bronx, NY have recently been updated.

For the most current hours and to locate a nearby Branch/ATM, please visit our Branch/ATM locator tool.

 

 

Find Your New Ride in Three Easy Steps.

Spare time is a luxury. Let us help handle the hassle of the car-buying process so you can spend more time doing what you love. Get approval for financing quickly, browse our selection of new and used vehicles, and purchase your dream car with guaranteed savings—all in three easy steps.

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Get Pre-Approved.

We’re ready to get you on the road! Members enjoy pre-arranged, no-hassle financing.

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Research & Compare Prices.

Take the guesswork out of comparison shopping. With the TrueCar® search, you can see what others paid for the car you want to make sure you get the best deal.

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Buy with Confidence.

After finding your top pick, head on over to the certified dealership with your guaranteed savings certificate. Take it for a test drive to make sure you’ve found the one, with no obligation to purchase.

The Car Buying Service for the City That Never Sleeps

Your days are jam-packed enough without making time for the car buying process. With the MCU Car Buying Service*—powered by TrueCar®—you can find your perfect car anytime, day or night.

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
Get Insured
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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.

Download the Mobile Banking App
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Have Other Financial Needs? We’re Here to Help.

Get financial education and support you can trust from experts in your own community. Let’s work together to connect you to the resources you need. Enjoy excellent rates, exceptional service, and access to our team of experts to set you up for financial success.

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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Need More Resources? We’re Here to Help.

Finding information to make the right financial decisions can be overwhelming. Explore our helpful resources below, designed to help heroes like you make smart, informed choices.

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 You Covered.

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%. 

Is there a fee for using the MCU Car Buying Service?

As part of our partnership with TrueCar®, there is no fee for utilizing the car buying service.

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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Disclosures:

* MCU Car Buying Service is provided by TRUECar. MCU is not responsible for, nor makes any representations or warranties as to, TRUECar’s products and services, its claims or its website content. TRUECar operates its program and information website (which features pricing performance, technical and safety data available for new and used vehicles) totally independent of MCU. Also, each certified dealer sets its own pricing and will confirm actual vehicle availability from in-stock inventory. Finally, please be aware that TRUECar’s website may have privacy and information security policies that are different from those of MCU. MCU disclaims any responsibility for the content and accessibility of the third party website you are about to access. MCU does not have the ability nor any right to change or affect the content and accessibility of the third party website you are about to access.

 

You are now leaving the Municipal Credit Union website and entering a website hosted by another party. A link to this site is being made available for convenience and informational purposes only. Any products or services accessed through this link are not being provided by Municipal Credit Union and are solely the responsibility of the vendor or merchant hosting this other website. Please be advised that the vendor or merchant hosting this other website may have a privacy and information security policy that is different than that of Municipal Credit Union. Municipal Credit Union disclaims any responsibility for the content of the third-party website you are about to access.