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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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CREDIT BUILDER PROGRAM

Let Us Help You Build (Or Rebuild) Your Credit

Get a secured loan option that helps you build a positive credit history, while earning interest in your Hero Savings account.

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Why Choose MCU’s Credit Builder Program?

Looking to improve your credit score or establish a credit history? Look no further than MCU's Credit Builder Program!

Building Credit Can Be Hard. But Help is Here.

Our secured loan option provides the funds you need to start building a positive credit history, without the risk of further damaging your credit score. With low monthly payments, no prepayment penalties, and funds held in a Hero Savings account, you can feel confident in your ability to successfully repay the loan and improve your credit score.

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Building Credit After Financial Hardship?

Start rebuilding your credit after financial hardship with our secured loan option, ranging from $250 to $1,000. No credit check needed, with low interest rates and on-time payments reported to all three credit bureaus. Apply today and take the first step to a brighter financial future!

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Additional Benefits of MCU’s Credit Builder Program

In addition to helping you establish or improve your credit score, MCU's Credit Builder Program offers a range of benefits to make your financial journey easier. 

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Accessible Terms and Rates

With a low, fixed interest rate, low monthly payments, and a term of only up to 12 months* you'll be building your credit in no time.

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Friction-Free Credit Building

Get started building credit, no credit check required!

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Flexible Payment Options

Other accounts may restrict you from paying off your loan early, with the MCU Credit Builder Program there are not prepayment penalties. 

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All Three Bureaus are Covered

On time payments, which include principal and interest, build a positive payment history and are reported to the three credit bureaus.

Looking for More Loan Options?

Not seeing what you're looking for? Check out our other 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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Banking That’s Always by Your Side

Manage your loan the easy way with the NYMCU Mobile and Online banking apps. Our easy-to-navigate platform gives you the tools you need to make banking smarter, not harder.

Download the Mobile Banking App
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Lending Products Built for the Heroes of NYC

Whether you’re ready to purchase your dream home or have a job-related expense—we’re here to help. MCU offers the lending services you need to achieve your goals.

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, ...

Ready to Join the MCU Community?

Gain access to the products and services that help our members create a foundation for an excellent financial future—such as competitive rates, reliable banking, and educational resources to stay in control of your finances.

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*APR = Annual Percentage Rate. Payment example: the payment on a $1,000 loan at 6.75% APR for 12 months would be $86.43. 
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