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WELCOME TO THE NEW MCU WEBSITE

We're excited to announce that the MCU website has been rebuilt and redesigned for an improved banking experience. Discover the exciting changes and enhanced features by visiting our dedicated information page.

Click here for more details.

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1-4 Family Homes, Co-Ops, and Condos

Open New Doors with Multi-Family Mortgage Options.

No matter what your ideal home type is, you deserve to rest comfortably at the end of a long day. MCU offers members the mortgage products they need to unlock life’s full potential with new property ownership.

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The MCU Difference: Loans for Family Homes, Co-Ops, and Condos

Not all home types qualify for conventional mortgages. If you’ve found your dream home in a co-op, condo, or other home type, our flexible mortgage options give you the lending capabilities to secure it. Together, we’ll find a mortgage that’s right for you.

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Competitive Rates

Keep more money in your pocket while you work toward home ownership. Qualified MCU members can secure their new home more easily with our low interest rates and flexible terms.

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Accessible Member Support

Our expert team of Lending Sales Specialists is here to help ensure that you have the resources you need to make informed financial decisions, every step of the way.

 
 
 
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Options For Every Lending Need

We offer a wide variety of loan products—Conventional, Jumbo, and High-Balance, to name a few. Together, we’ll help you find the loan option that best suits your needs.

Get Personalized Mortgage Assistance from our Team of Experts.

The mortgage process can be overwhelming, especially for first time buyers. Regardless of your experience level, our Lending Sales Specialists are here to help you make the best mortgage decision for your future.

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Mortgage Options That Won't Break the Budget

When you buy into a co-op, you’re entering the world of shared ownership, which has specific rules and regulations. We offer lending options for every type of new home pursuit, with low-interest rates and flexible terms.

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Get Expert Support, When You Need It.

Connect with one of our Lending Sales Specialists to receive personalized support with all of your lending needs—just another perk of being a member of the MCU community.

Adam Gonda
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Adam Gonda

Schedule a one-to-one meeting with Adam.

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Cesarina Pena
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Cesarina Pena

Schedule a one-to-one meeting with Cesarina.

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Michele Palmucci
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Michele Palmucci

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Omar Osoria
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Omar Osoria

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Sabrina Kilgore
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Sabrina Kilgore

Schedule a one-to-one meeting with Sabrina.

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Shantell Wynn
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Shantell Wynn

Schedule a one-to-one meeting with Shantell.

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 Walter Skowronski
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Walter Skowronski

Schedule a one-to-one meeting with Walter.

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Xiang He Lin
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Xiang He Lin

Schedule a one-to-one meeting with Xiang.

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Sherry Munro
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Sherry Munro

Schedule a one-to-one meeting with Sherry.

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Pedro Lopez
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Pedro Lopez

Schedule a one-to-one meeting with Pedro.

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Taurean Durham
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Taurean Durham

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 Arnold Allston
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Arnold Allston

Schedule a one-to-one meeting with Arnold.

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Banking That’s Always by Your Side

Access the information you need, when you need it with our easy-to-navigate digital banking platform. Discover helpful tools and settings that make banking smarter, not harder.

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Explore Additional MCU Lending Options.

We work hard to ensure that our community heroes get the financial support they deserve. Whether you're buying a home, a vehicle, or something else, MCU is here to help you along the way.

 
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Personal Loans

Need to pay for an unexpected expense, a special event, or just need some extra cash to consolidate some high-interest bills? An MCU Personal Loan is a hassle-free way to access the funds you need and take control of your finances.

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Auto Loans & Services

Get access to reliable products that help you buy, refinance, or insure your car. Explore our affordable loan and service options so you can focus on what really matters: grocery runs, daycare pickups, or a new commute.

See Auto Loans & Services

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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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.

When Should You Take Social Security?

When Should You Take Social Security?

Filing for Social Security benefits as soon as you can  — or shortly thereafter —  a few years early may seem like a good idea at first. The money is ...
How To “Trick” Yourself Into Saving More

How To “Trick” Yourself Into Saving More

With inflation high and money tight for so many of us, there’s never been a better time to re-examine how we’re managing our finances and to make some moves to save more. ...
How Much Should You Save For Retirement?

How Much Should You Save For Retirement?

In a perfect world, you would start saving for retirement with your very first paycheck and keep at it until the day you left your job some 40 years later. But not everyone works ...
FAQs

Get Answers to Our Frequently Asked Questions.

Is there someone that can help me with questions I have?

Yes! Our team is here to help you in any way we can. Feel free to connect with one of our knowledgeable MCU Lending Sales Specialists to get your questions answered today. Call: 212-238-3521.

How will a mortgage affect my credit score?

Getting a mortgage can be a benefit to your credit score in the long term!

Your credit score might dip when you initially take out your mortgage, but mortgages can improve your ‘credit mix’ and add to your credit history. Both of these will improve your credit score over time—something you likely won’t get when paying rent or a lease.

What happens if I want to move before I finish paying off my loan?

If you move before paying off your loan entirely, you are responsible for paying the loan in full at the time of the sale of your property.

Is it better to have a short or long term mortgage plan?

The answer to this question is entirely dependent on your financial situation. When thinking long-term, it is apparent that you will save more on the interest incurred over a shorter, 15-year mortgage than you would with a 30-year one. However, your payment for a 15-year mortgage will typically be higher and therefore depends on your ability to pay an increased monthly mortgage.

Ready to Purchase Your Dream Home?

Join now to get access to the competitive rates, savings products, and educational resources you need to secure an exceptional financial future—and the residential property of your dreams.

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Why Join?
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