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How can we help you today?

Schedule a meeting with a Branch team member

Get in-person support or help with your account

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Schedule a meeting with a Lending team member

Finance a car or personal goal

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Schedule a meeting with a Home Loan team member

Buy, refinance, or tap into your home’s equity

Already have an executed contract and need to apply for a mortgage, but are unable to schedule an appointment?

Please email the Mortgage team to start your application.

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Email Mortgage Team

Schedule a call with a Digital team member

Open an account or apply for a credit card, car loan, or personal loan over the phone

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Mobile Banking

Digital Banking and the NYMCU Mobile Banking App make it easy to achieve your financial goals with helpful tools.

With easy-to-use features, you can ensure your goals are met while managing your finances conveniently from anywhere.

Download the Mobile Banking App

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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.

Let’s Stay in Touch.

Finances can seem overwhelming at times. That’s why we have plenty of expert resources and helpful member service representatives ready to answer any questions you may have.

News & Press

Keep up to date with the latest news about MCU.

Community Updates

Stay in the loop about MCU in your community!

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Member Resources

Check out the wide variety of helpful and educational resources available to our members.

Experience MCU

Contact Us

Questions? Comments? Interested in becoming a member? Our Member Service Representatives are ready to assist you; stop by a branch or send us a note!

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FAQs

Get Answers to Our Most Frequently Asked Questions.

What are your current interest rates?

Rates are based on credit, and only our lowest rates are viewable before the application is submitted—which you can see by visiting https://www.nymcu.org/rates. Or, you can request the current rates when speaking to one of our friendly loan officers. But, the only way to know what rate you’ll qualify for is to apply.

Do I need to be a member to apply for a loan?

Yes, membership is required to apply for any type of loan with MCU. Visit https://www.nymcu.org/join/becoming-a-member to learn more about membership and eligibility.

What is the closing process?

You can track the status of your loan application via our NYMCU Online and Mobile Banking platforms. When it is time to move forward with your loan, you will be contacted by a member of our staff to discuss the process. Once the documents are signed and the loan is processed, you will receive your funds.

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.

Which is better, a fixed-rate or an adjustable-rate mortgage?

We encourage you to speak to one of our expert lending officers for more detailed information, but, generally speaking, a fixed-rate mortgage may fit the needs of a buyer when the initial mortgage rate is lower, as it allows you to lock in said rate. If the current rate is high or if you won’t be owning the property for a standard mortgage term, an adjustable-rate mortgage may be more appropriate as the rates tend to be lower earlier on in the life of the mortgage.

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