View Message

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.

 

 

back-btn Previous Menu

Digital

Digital Banking
Helpful Resources
    Nav Ad - 420x209 - digital banking

     

    top-shape
    credit-building-icon
    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.

    Apply Through Online Banking
    Check Application Status
    011
    product-hero-red-full-pattern-right-side-1
    product-hero-red-paint-stroke-left-side-cropped
    product-hero-red-paint-stroke-right-side-cropped-1

    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.

    Apply Through Online Banking
    mcu-can-help-build-credit
    get-rewarded-for-growing-nest-money_dots

    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!

    Apply Through Online Banking
    saving-for-hardship
    ready-to-help-you-get-past-homebuying-hurdles_dots

    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. 

    Group 2272

    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.

    Group 2272

    Friction-Free Credit Building

    Get started building credit, no credit check required!

    Group 2272

    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. 

    Group 2272

    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.

    Show Me Products For My Life Right Now
    top top
    bottom

    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
    MCU-homepage-mobile-mockup-V3-new

    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.

    Join MCU Today
    Why Join?
    final-cta-green-visual-asset_left
    02.04.01.00-mcu-true-rewards-cashback-visa-hero-image_dots-isolated-1
    final-cta-visual-asset-paint-stroke
    *APR = Annual Percentage Rate. Payment example: the payment on a $1,000 loan at 6.75% APR for 12 months would be $86.43. 
    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.