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MCU Loan Payments.

The Swivelpay loan payment service is provided by Southwest Business Corporation ("SWBC") and is subject to the SWBC Privacy Policy and Terms of Service. By clicking "Get Started" you represent that you are at least 18 years old and agree to the SWBC Privacy Policy and Terms of Service. Using this service you may make a one-time loan payment using a non-MCU debit card or ACH transfer from another institution towards a MCU loan or set up recurring ACH payments from another financial instituion. Not all loan types or statuses are eligible to be paid through this service. Payments submitted after 9:00 PM EST will be processed the next business day. Unless you set up recurring ACH payments from an external account, if you use this service for a one-time transaction, a convenience fee of $4.95 will be added to your payment amount. You may be able to avoid this convenience fee by making your payment using payment options on MCU's Online Banking or Mobile Banking App, making your payment at a branch location, or mailing a check payment to 22 Cortlandt Street, __ Floor, Attn: ____________ Department, New York, NY 10007. You may contact MCU with any questions at 1-844-MCU-NYNY (1-844-MCU-NYNY)  Monday-Wednesday & Friday between 8:00 AM and 6:00 PM, Thursday between 8:00 AM and 7:00 PM and Saturday between 9:00 AM and 2:00PM.

If you are making a payment which is in default, this is an attempt to collect a debt and any information obtained may be used for that purpose.

If you have recently filed for bankruptcy and are subject to the automatic stay, any information provided is for informational purposes only and is not a demand for payment or an attempt to collect a debt as to your personal obligation. 

If you are a servicemember on active duty, or a spouse or dependent of such a servicemember, you may be entitled to certain protections under the Servicemembers Civil Relief Act (“SCRA”). SCRA and certain state laws provide important protections for you. If you are currently in the military service, or have been within the last twelve (12) months, AND joined after you entered into a loan you have with MCU, please notify MCU immediately. When contacting MCU as to your military service you must provide positive proof as to your military status. Servicemembers and dependents with questions about the SCRA should contact their unit’s Judge Advocate, or their installation’s Legal Assistance Officer. You can also contact MCU if you have questions about your rights under SCRA.