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Branch Closure Notice

All branches and contact centers will be closed on Monday, September 7, 2026, in observance of Labor Day.
Online and mobile banking are available 24/7. We will resume normal business hours on Tuesday, September 8, 2026.
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Get up to $350 to do more New York.

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Get up to $350 to do more New York.

When you open a New Checking account and receive direct deposit*.

*Terms and conditions apply.

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LOANS

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Time For A Ride That’s Yours

Auto loan options for 60 months as low as 4.99% APR*

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Time For A Ride That’s Yours

Auto loan options for 60 months as low as 4.99% APR*

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HOME LOANS

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First Time Homebuyers

Buying a home is a big step and we’re here to help.

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    We Get NYers More

    Whether you live, work, worship or attend school in NYC, we’re here to help you build better tomorrows. Join today!

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    We Get NYers More

    Whether you live, work, worship or attend school in NYC, we’re here to help you build better tomorrows. Join today!

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    Tap into Your Home's Equity

    Receive a lump sum payment to make the impossible possible.
    Apply Now
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    Need Cash Now? Take Advantage of Your Home’s Equity.

    If you live in New York, New Jersey, Pennsylvania, Connecticut and are looking to consolidate debt, cover a major project or a large, one-time expense, an MCU Home Equity Loan may be a good choice for you. Unlike a HELOC, this type of loan provides you with a lump sum and fixed interest rate.

    FEATURES & BENEFITS

    • Receive one single lump sum
    • Fixed Rates
    • Flexible 10, 15 or 20 year terms
    • Borrow up to 80% of the available equity in your home—up to $500,000
    • Available on properties in NY, NJ, CT & PA (Single Family Residence, 2-4 Family Residence and Condominium ONLY)

    View Our Current
    Home Equity Fixed Rates

    Compare current rates for our mortgage and home equity products.
    See Today's Rates

    What You Need to Apply

    Applying online is easy, but to make the process even easier, here is a list of information to come prepared with:
    • Social Security number.
    • Any existing debts or support obligations (such as alimony, child support, or existing liens on your home).
    • Employment and income history as well as pay stubs and employer’s contact information.
    • Proof of homeownership (in NY, NJ, CT & PA only), home insurance, and current mortgage statement.
    Apply Now

    MCU HomeHub

    Your home may be your most valuable asset. MCU HomeHub gives you a personalized view of your home's estimated value and available equity—right inside your digital banking app. No application needed.
    Access MCU HomeHub
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    What you can do

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    Track your home's value

    See your home's estimated value and get alerts when it shifts with the market.

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    Understand your equity

    See how much equity you've built and your home borrowing power—no appraisal required.

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    Explore personalized offers

    Get tailored HELOC and Home Equity suggestions based on your actual home value and profile.

    How to Access MCU HomeHub

    • Log in to digital banking to check if you have been already automatically enrolled.
    • If not, provide your name and address to enroll.
    • Navigate to Services & Support
    • Select MCU HomeHub
    HomeHub

    Get Expert Support, When You Need It

    Connect with our home lending team for personalized support.
    Walter Skowronski
    Walter Skowronski

    Mortgage Sales Manager

    NMLS ID 598806

    Schedule Appointment
    Adam Gonda
    Adam Gonda

    Mortgage Sales Manager

    NMLS ID 1326255

    Schedule Appointment
    Omar Osoria
    Omar Osoria

    Mortgage Sales Manager

    NMLS ID 1950417

    Schedule Appointment
    Michele Palmucci
    Michele Palmucci

    Mortgage Loan Officer

    NMLS ID 405593

    Schedule Appointment
    Carl Gayle
    Carl Gayle

    Mortgage Loan Officer

    NMLS ID 1372085

    Schedule Appointment
    Sabrina Kilgore
    Sabrina Kilgore

    Mortgage Loan Officer

    NMLS ID 613474

    Schedule Appointment
    Alan Schlossman
    Alan Schlossman

    Mortgage Loan Officer

    NMLS ID 65717

    Schedule Appointment
    Elliott Epperson
    Elliott Epperson

    Mortgage Loan Officer

    NMLS ID 175366

    Schedule Appointment
    Devindra Rattansingh
    Devindra Rattansingh

    Mortgage Loan Officer

    NMLS ID 2735128

    Schedule Appointment
    Ryan Gilbert
    Ryan Gilbert

    Mortgage Loan Officer

    NMLS ID 1083492

    Schedule Appointment
    Sheriffa Parkinson
    Sheriffa Parkinson

    Mortgage Loan Officer

    NMLS ID 1573407

    Schedule Appointment
    Ernest Kawecki
    Ernest Kawecki

    Mortgage Loan Officer

    NMLS ID 725227

    Schedule Appointment
    Brindon Gardner
    Brindon Gardner

    Mortgage Loan Officer

    NMLS ID 1617849

    Schedule Appointment

    Check Out Other MCU Home Equity Loan Solutions and Choose What’s Best For You!

    HELOC Loan

    Home Equity Line of Credit

    Choose to spend as much or as little as you need with a variable, revolving Home Equity Line of Credit (HELOC). Like a credit card, paying down your outstanding balance frees up your credit line to use again.

    Learn More
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    Home Improvement Loans

    The Heroes Home Improvement Loan makes transforming your space affordable. Upgrade your home with flexible terms, low fixed interest rates, and access to up to $50,000 in funds.

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    This web site, www.nymcu.org, is the only authorized web site of Municipal Credit Union of New York City, New York. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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