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WEATHER CLOSURE ALERT

Due to inclement weather, all branch locations will be closed tomorrow Monday 2/23/2026. 

Our contact center remains open, and members can continue to access their accounts through Digital Banking, and the NYMCU Mobile Banking App.

 

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CHECKING & SAVINGS

Checking
Savings
Investing & Insurance
Resources
7-Month Certificate Special

7-Month Certificate Special

Lock in 3.75% APY* for 7 months with our new certificate special!

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7-Month Certificate Special

7-Month Certificate Special

Lock in 3.75% APY* for 7 months with our new certificate special!

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LOANS

Vehicle Loans
Personal Loans
Resources
Time For A Ride That’s Yours

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

Time For A Ride That’s Yours

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

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CREDIT CARDS

Credit Cards
Resources
MCU Signature Visa®

MCU Signature Visa®

Get 1.5 points for every dollar spent on eligible net purchases with our MCU Signature Visa® credit card.

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MCU Signature Visa®

MCU Signature Visa®

Get 1.5 points for every dollar spent on eligible net purchases with our MCU Signature Visa® credit card.

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HOME LOANS

Mortgages
Home Equity
Homebuying Assistance
Resources
First Time Homebuyers

First Time Homebuyers

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

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First Time Homebuyers

First Time Homebuyers

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

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LEARN

Financial Education
Security Center
Tools
Schedule An Appointment

Schedule An Appointment

Have questions? Our team is here to help.

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Schedule An Appointment

Schedule An Appointment

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ABOUT

About MCU
Community
Membership
We’re Here For It

We’re Here For It

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

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We’re Here For It

We’re Here For It

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

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Mortgage Team
Michele Palmucci

Michele Palmucci

Inside Mortgage Loan Officer
NMLS ID: 405593  |  11am-7pm (EST) M-F

Get in Touch

Book An Appointment
Office Location

22 Cortlandt Street
29th Floor
New York, NY 10007

Phone & Fax

Office:

844-628-6969 opt5

Fax:

212-238-3373

Languages

Can provide service to MCU members in: English

Business Hours

11am-7pm (EST) M-F

Bio

Michele’s goals as a Lending Sales Specialist for MCU are to assist members in purchasing their dream homes and help current homeowners save money by refinancing their mortgages. With 25 plus years in the mortgage and banking industry, Michele always seeks to provide members with exceptional customer service.

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Finish an application you’ve already started.

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Still Want To Have Personal Assistance?

You can call or email one of our mortgage professionals to answer any of your questions or to ask for advice.

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Calculators

How much would my monthly payment be? Can I save money by refinancing now? more…

Featured Products

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No Minimum Balance Fee. No Card Replacement Fee. No Stress.

Say goodbye to worrying about fees charged as a result of not maintaining a minimum balance—open an Everyday Hero Checking Account today.

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Municipal Credit Union

Routing Number: 226078036
NMLS #: 184286

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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.

This website strives to comply with the best practices and standards as defined by Section 508 of the U.S. Rehabilitation Act and level AA of the Worldwide Web Consortium (W3C) Web Content Accessibility Guidelines 2.0. If you experience trouble accessing this website or would like to share feedback, please contact us at 1-844-MCU-NYNY (1-844-628-6969). MCU’s services and products are directed to members residing in the United States

Federally insured by NCUA.
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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Start Online and Finish at a Branch
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Our team is here to help.

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Start Online and Finish at a Branch
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