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^*APR=Annual Percentage Rate.

Advertised "as low as" includes a 0.25 percentage-point rate discount^** for borrowers who establish and maintain Qualifying Direct Deposit^† to an MCU Checking account. Without qualifying direct deposit, the APR will be 0.25 percentage points higher. Not all applicants will qualify for the lowest advertised APR. Actual APR is based on creditworthiness, loan amount, loan term, and applicable underwriting criteria. Rates and terms are subject to change without notice. Certain restrictions apply.

¹Displayed estimated payment (per $1,000) amounts and payment example assume excellent borrower credit history. Displayed monthly payment amounts are precision-rounded for disclosure purposes. Repayment metrics are derived from actual amortized math factors over the maximum loan term, and rounded payment totals may vary slightly across alternative interest rate columns.

Payment Example: A $20,000.00 loan with a 0-month term at 7.74% APR will have 0 payments of $0.00 and a final payment of $0.00. This example is for illustrative purposes; actual rates, terms, and payments will vary based on your individual credit profile.

^**A 0.25 percentage-point direct deposit rate discount is available only at the time of application and when a Qualifying Direct Deposit^† is set up on an Everyday Hero Checking account. Qualifying Direct Deposit must be established within 60 days of loan funding. If qualifying direct deposit is not established within 60 days, or if qualifying direct deposit is subsequently discontinued during the term of the loan, the interest rate and APR will increase by 0.25 percentage points, in accordance with the terms of the loan agreement. Additional terms and conditions may apply.

^†A “Qualifying Direct Deposit” is a recurring electronic Direct Deposit of income from payroll, pension or government benefit payments (such as Social Security), made by your employer, payroll or benefits payor, or government agency via an Automated Clearing House (ACH) transfer. Each deposit must be identifiable as a direct deposit transaction through a valid ACH trace number. Teller deposits, debit card and ATM deposits or transfers, peer-to-peer transfers or payments including through Zelle®, Venmo®, Cash App, Apple Cash, Google Pay or similar service(s), Online and Mobile Banking transfers or deposits, transfers from another MCU account, or other in-person, ATM, or electronic transfer, such as wire transfer or one-time ACH deposits do not qualify as Qualifying Direct Deposits. MCU reserves the right to verify the source of all deposits and disqualify any that do not meet the defined criteria.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

Personal Line of Credit (PLOC) Terms and Conditions: The Annual Percentage Rate (APR) for the Personal Line of Credit (PLOC) is an open-end variable rate determined by the Prime Rate plus a margin. The APR will fluctuate with the Prime Rate (the index) as published in The Wall Street Journal. As of October 1, 2026, the variable unsecured personal line of credit APR provided by Municipal Credit Union (MCU) is as low as 12.00% to 17.50%, with the margin varying based on credit score. Account approval is subject to credit assessment. Lowest rates are reserved for the most creditworthy borrowers.

The Prime Rate is 7.00%.

A 0.25% percentage-point direct deposit rate discount is available only at the time of application and when a Qualifying Direct Deposit^† is set up on an Everyday Hero Checking account. Qualifying Direct Deposit must be established within 60 days of loan funding. If qualifying direct deposit is not established within 60 days, or if qualifying direct deposit is subsequently discontinued during the term of the loan, the interest rate and APR will increase by 0.25 percentage points, in accordance with the terms of the loan agreement.

^†A “Qualifying Direct Deposit” is a recurring electronic Direct Deposit of income from payroll, pension or government benefit payments (such as Social Security), made by your employer, payroll or benefits payor, or government agency via an Automated Clearing House (ACH) transfer. Each deposit must be identifiable as a direct deposit transaction through a valid ACH trace number. Teller deposits, debit card and ATM deposits or transfers, peer-to-peer transfers or payments including through Zelle®, Venmo®, Cash App, Apple Cash, Google Pay or similar service(s), Online and Mobile Banking transfers or deposits, transfers from another MCU account, or other in-person, ATM, or electronic transfer, such as wire transfer or one-time ACH deposits do not qualify as Qualifying Direct Deposits. MCU reserves the right to verify the source of all deposits and disqualify any that do not meet the defined criteria.

To apply for a Personal Line of Credit, you will be required to authorize MCU to conduct a credit check, which will appear as a hard inquiry and may impact your credit score. The line of credit may be reduced or further extensions limited under certain circumstances.

Approval requires new or existing MCU membership.

The Personal Line of Credit will be linked as an overdraft protection line for any MCU checking account. The overdraft items may not be paid, and an NSF fee may be assessed if the Personal Line of Credit lacks sufficient available credit to pay the overdraft item, and the transaction may be declined. There is no annual fee or per-transaction fee for overdraft protection, and the standard APR will apply to any advances used to cover paid overdraft items.

The Personal Line of Credit Agreement and Disclosure outline the terms and conditions, while the Truth-In-Savings Rates and Fee Schedule specify the applicable billing amounts for your MCU deposit accounts. In addition to the link above, you can obtain a copy of the disclosure by visiting a branch or calling 1-844-MCU-NYNY (1-844-628-6969).

MCU reserves the right to modify or discontinue products and benefits based on market conditions and borrower eligibility.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.