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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 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.


Get Pre-Approved.

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


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.


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.

Other Banking 3-1

Easy Loan Application Process

Members enjoy pre-approval for auto loans with great terms and low interest rates. Know the value of your loan right away.


Enjoy Member Savings

Explore potential savings off the manufacturer's suggested retail price (MSRP) on new vehicles. 


Browse with Confidence

Whether you’re looking for a new or used car, MCU Car Buying Service lets you see what others paid—so you don’t have to worry about being overcharged.

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

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

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.

Home & Mortgage 1-1

Home Loans

Managing your home payments shouldn’t be stressful. Refinance your current home or find your forever home with a manageable mortgage.

See Home Loans

Personal Loans

Need to pay for an unexpected expense, a special event, or just need some extra cash to handle some bills? An MCU Personal Loan is a hassle-free way to access the funds you need and take control of your finances.

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.

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.

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 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 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.

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.

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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Why Join?

* 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.