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ALERT
Our Midwood branch located at 1560 Flatbush Avenue in Brooklyn will reopen this Friday, May 31st!

In the meantime, you can securely access your accounts by logging into Digital Banking or visiting any of our other local branches.

Active Promotions

Enjoy Extraordinary Savings and Rewards with MCU Promotions

Explore our special offers and unlock exclusive benefits that can help you achieve your financial goals. Don't miss out on these limited-time opportunities to make the most of your membership with MCU.

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HOME EQUITY LINE OF CREDIT (HELOC)

Rates as Low as 5.99%!

Renovate the kitchen, consolidate debt, take a vacation... get started today!

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** APR = Annual Percentage Rate. The introductory rate is 5.99% for 2nd lien position loans and 5.49% for 1st lien position loans with APR for 12 months with a maximum 75% Combined Loan-to-Value (CLTV). Minimum FICO Score is 720 with a required initial draw depending on the approved loan amount. The initial rate will be in effect for the first year your credit line is open. MCU cannot pay your mortgage taxes for this special promotion. Subsequently, your account will be subject to the Variable Rate provisions described herein. The initial Annual Percentage Rate is discounted; it is not based on the index and margin used for later adjustments. Special promotion rate will expire on June 30, 2024.

 

THE ANNUAL PERCENTAGE RATE MAY VARY AND IS EQUAL TO THE HIGHEST PRIME RATE PUBLISHED IN THE WALL STREET JOURNAL ON OR BEFORE THE LAST DAY OF THE PRECEDING MONTHLY BILLING PERIOD PLUS A MARGIN BETWEEN 0% AND 4%.

 

HELOCs are secured by a mortgage on your primary residence. Co-ops and investment properties are not accepted. Property insurance is required. Flood insurance may be required if the property is in a flood zone. Certain restrictions may apply. Membership is required.

 

The Prime Rate as of July 26, 2023 is 8.50%. The annual percentage rate may be higher based on the applicant’s creditworthiness. The maximum Annual Percentage Rate that may be imposed is 6% above the initial interest rate at closing. Rates and terms are subject to change without notice. Other terms and conditions apply. View full disclosure PDF.

LIMITED TIME OFFER

Get $100* in 100 Days

Now You Can Join MCU!
Open a Free Checking Account** and claim your $100 .

*You must open a Checking Account with MCU between 5/1/24 and 6/30/24 connected to direct deposit or payroll deduction to get $100. Limit one account-opening bonus per qualifying account. If requirements have been met, the $100 will be deposited into your account 8/9/2024. Offer not available to individuals who were a primary account owner of an MCU checking account in the last 12 months. Account must not be closed or restricted during the time of promotional period. Offer is subject to cancellation without notice. Account opening is subject to approval.
** An active Share Account is required to open.

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Great Rates
To Grow Your Savings!

Earn up to 2.02% APY* with a Money Market account or rates up to 4.85% APY** on a 15-Month Share Certificate account.

*APY = Annual Percentage Yield. To earn the APY, a minimum deposit of $0 and a $100,000 minimum balance is required.
**To earn the promotional APY, the 15 month share certificate of Deposit requires no minimum opening deposit and a $5 minimum balance. Upon maturity, the 15 month Share certificate of Deposit will roll over into a 12 month Share Certificate of Deposit. The disclosed Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date. These are the variable rate accounts and the rate may change after the account is opened. Fees and other conditions could reduce earnings. 

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Everyday Hero Checking

Hassle-Free Checking

33,000+ fee-free ATMs*, no minimum balance, and no hidden fees.

An active Share Account is required to open an Everyday Hero Checking account. *Co-Op Network surcharge-free ATMs must show CO-OP ATM logo. ATM transactions made outside of MCU ATM network or CO-OP ATM Network may be subject to fees. Please visit our online ATM Locator for a list of surcharge-free ATMs.
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LIMITED TIME OFFER

No Payments for 60 Days!*

Spring into Summer in a New Car!

 

*Interest will accrue from the inception date of the loan. This offer does not apply to auto loans currently financed by Municipal Credit Union. Offer applies to new or used vehicles. Please see the terms and conditions of your loan agreement. This promotion is in effect from May 23, 2024-July 31, 2024. **APR = Annual Percentage Rate. The Annual Percentage Rate shown does not reflect a .25% discount based on you establishing direct deposit to your MCU checking account. If you discontinue direct deposit, the Annual Percentage Rate will increase during the term of this transaction. Your interest rate will increase by .25% and or you will be required to make additional payments of the same amount until what you owe has been repaid. For example, if your loan was for $15,000 for 60 months at 6.25% and the rate increased to 6.50% due discontinuance of direct deposit after 24 months, you would have to make 1 additional payment. Rates may be higher based on applicant's creditworthiness, auto model year, loan term, loan amount and method of repayment. Rates and terms are subject to change without notice. Lien placed on vehicle. Certain restrictions apply. Late payment fee is $25.00. MCU membership is required. MCU will only finance vehicles purchased from franchise car dealers or the following independent dealers; TRUECar® Certified Dealers, Enterprise Car Sales, Carvana®, CarMax® or Hertz Car Sales®.

**APR = Annual Percentage Rate.

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Great Low Rates! 6.00% APR**

Ready to Join the MCU Community?

Apply now to get access to the competitive rates, personal banking products, and educational resources you need to create a foundation for an exceptional financial future.

Join MCU
Learn More About Membership
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