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MCU Lending
Find the Loan That’s Right for You
Find the Loan That’s Right for You.
Whether you’re looking to consolidate bills, buy your first car, or cover an unexpected expense, our competitive loan rates and helpful staff are here to help you reach your financial goals.
Personal Loans
Don’t compromise on your financial plans. An MCU Personal Loan may help you achieve your goals by providing lower monthly payments. If you have no credit, poor credit or you are trying to build or improve your credit, our Credit Builder loan is a great, secured option.
Auto Loans & Services
Whether you’re new to the car buying process or come to the table with prior experience, we’ve got you covered every step of the way. The MCU Car Buying Service, coupled with our competitive financing options, makes the car buying process a smooth ride.
Fixed Home Equity Loans
Let the value of your home work for you. Borrow up to 80% of your home’s available equity in a single lump sum with fixed and stable payment plans made over your preferred loan period.
Home Equity Line of Credit (HELOC)
Unlock the equity in your home and 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, you’ll be approved for more borrowing as you make payments toward your outstanding balance.
Conventional Mortgages
In the market for a new place to call home? MCU makes it easy with competitive interest rates and helpful guidance from our lending experts. The only hard part may be deciding what color to paint the living room.
Jumbo Mortgages
Have your eye on a higher-priced home? Our Jumbo Loan options exceed the limit of a conventional loan and allow you to buy up to 1 million dollars in residential property.
High-Balance Mortgages
For members buying in a particularly high-cost area, MCU offers High-Balance Loan options that allow for an increased loan limit—opening doors to home purchases in higher-priced neighborhoods.
Multi-Family Homes, Co-Ops, and Condos
No matter what your ideal home type is, you deserve to rest comfortably after a long day. MCU offers the financial support you need to purchase non-traditional homes not covered by a conventional mortgage.
Investment Property Loans
Real estate can be a great investment for your family’s future. MCU is here to help you plan ahead and purchase a property that will grow in value and help you meet your goals.
FAQs
Get Answers to Our Most Frequently Asked Questions.
What are your current interest rates?
Do I need to be a member to apply for a loan?
What is the closing process?
How do I know if a type of loan is the right option for me?
Because everyone’s scenario is unique, please feel contact an MCU representative or a Lending Sales Specialist at 1-844-MCU-NYNY (1-844-628-6969). Our team is available to help you make an informed decision regarding which loan you should pursue.

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