View Message
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.

back-btn Previous Menu

ABOUT

an image showing the top of some nyc skyscrapers with a large sky in background shot just as the day starts to turn to night

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!

Learn More
top-shape

Smart Lending for a Brighter Tomorrow

Personal loans and personal lines of credit designed to help you manage expenses, consolidate debt or fund what's next.
website_hero_personal_loan 1
top-shape green-shape drak-blue red-shape yellow-shape

Lending Solutions for Life’s Big Moments

Flexible personal loans with no hidden fees—designed to fit your needs.

FEATURES & BENEFITS

COMPETITVE FIXED RATES

Icon-Check-Blue-Desktop Stay in control with rates as low as 7.99%*.

FLEXIBLE TERMS

Icon-Check-Blue-Desktop Choose loan terms from 12 to 72 months.

NO HOME LIEN REQUIRED

 Icon-Check-Blue-Desktop Get funding without risking your property.

FAST ACCESS TO FUNDS

Icon-Check-Blue-Desktop Receive cash in a lump-sum payment within days.

NO HIDDEN FEES

Icon-Check-Blue-Desktop No application or prepayment penalties.

EASY APPLICATION PROCESS

Icon-Check-Blue-Desktop Apply online in minutes.

FOR MOST PURPOSES

Icon-Check-Blue-Desktop Medical expenses, debt consolidation, or even a dream vacation—it's up to you!

Not a Member Yet?

How to Apply

1

Become a Member

Complete your Online Membership Application

Join MCU
2

Enroll in Digital Banking

Once a membership is approved, enroll in Digital Banking

Enroll
3

Apply for your loan

Go to Accounts → Quick Apply Loans to apply

Log in to Apply


Today's Rates

personal-loan-white-f

Personal Loan

$1,000-$50,000

36 Months

7.99 %

APR1
personal-loan-white-f

Personal Loan

$5,000-$50,000

60 Months

8.49 %

APR1
personal-loan-white-f

Personal Loan

$25,000-$50,000

72 Months

10.49 %

APR1
personal-loan-white-f

Personal Line of Credit

$500- $25,000

Revolving

11.75 %

APR2

Life doesn’t wait in the city.

A personal line of credit gives you flexible access to funds when you need them - up to an approved credit limit.

Use a Personal Line of Credit to:

- Cover unexpected expenses
Handle surprise costs like car repairs, medical bills, or urgent home fixes without disrupting your budget.

- Manage cash flow between paychecks
Bridge short-term gaps and keep bills paid on time when timing is tight.

....or just to be prepared for life’s planned moments


 

PLOC
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.