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ALERT
For the safety and security of our members and MCU team, please note that the hours of operation for the South Bronx Branch ATM lobby located at 560 Courtlandt Avenue Bronx, NY have recently been updated.

For the most current hours and to locate a nearby Branch/ATM, please visit our Branch/ATM locator tool.

 

 

Personal Banking

Serving All the Heroes in Our Community with Better Banking

No matter your financial history or where you are in your financial journey, MCU has a variety of personal banking products with competitive rates and flexible terms—and the tools and educational resources you need to create an exceptional financial future.

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MCU Makes Personal Banking More Personal.

From checking and savings to planning for retirement, MCU offers personal banking products designed to adapt to meet your changing needs and goals—with personal service and resources that make it easy to stay informed while you manage every dollar.

Banking That’s Always by Your Side

Access the information you need, when you need it with our easy-to-navigate digital banking platform. Discover helpful tools and settings that make banking smarter, not harder.

Download the Mobile Banking App
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Accessible Banking Products
Designed for Your Success.

Whether you’re looking to purchase a car or home, pay for something urgent, make a dream come true, or insure what matters most, MCU has your back. Enjoy member-friendly terms, competitive rates, and educational resources designed to put you on the path to an exceptional financial future.

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Auto Loans

MCU offers extensive auto-purchasing options, from auto loans with low rates and flexible terms, to the MCU car buying service that helps you save money on your vehicle purchase.

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Home Loans

We offer both home equity loans and mortgages to help our members purchase and thrive in the homes of their dreams, with competitive interest rates and member-friendly lending terms.

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Personal Loans

MCU is ready to assist with personal loans up to $50,000, paired with low interest rates and affordable payments to help you cover important or unexpected needs.

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Member Resources

Our members have access to a wide selection of free educational resources that are designed to guide them through life’s financial ups and downs, with actionable tools and information specific to their needs and goals—wherever they are on their financial journey.

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Insurance Coverage

Insurance

Together with our partners at TruStage® and PFP, we offer our members access to Term and Whole Life, Auto, Home, and AD&D insurance—because we're committed to helping you protect what matters most.

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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’ve curated 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.

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Make the Most of Your MCU Membership.

Membership in our community is about more than just banking. As an MCU member, you can access valuable information and resources to help you plan and reach your financial goals.

All about Private Mortgage Insurance (PMI)

Have you heard of PMI? PMI, short for Private Mortgage Insurance, is an insurance policy that helps protect the lender if the borrower can't pay their mortgage. ...

What to Consider Financially As A First-Time Homebuyer

So, you’re ready to buy your first home. Congratulations! For many people, taking this step is one of the biggest financial moves they will make in their entire lives. Because of ...

Mortgages 101: Getting Started on The Path to Homeownership

When you embark on the search for a new home, you may think you know the steps to take: Read the listings, visit some open houses, sign on with a Realtor, make an offer. In fact, ...
FAQs

Get Answers to Our Most Frequently Asked Questions.

What makes MCU different from a "'normal" bank?

A credit union is a not-for-profit financial institution cooperatively owned by its members. Typically, this ensures that policies and rates benefit members collectively rather than shareholder dividends. Earnings go back to members in the form of better rates, fewer fees, improvements to our services, and investments in our communities.

Can I be sure that my deposits are safe?

The National Credit Union Administration (NCUA) insures MCU deposits, so you can trust that your funds are safe. The NCUA is an independent federal agency that insures deposits at federally insured credit unions, protects the members who own credit unions, and charters and regulates federal credit unions. Your savings are federally insured to at least $250,000 by the full faith and credit of the United States Government. Additionally, the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) provides federal production to IRAs up to $1 million (some restrictions may apply depending on roll-over status and uniquely unqualified accounts).

Why do credit unions have members?

To join a credit union, you must belong to the “field of membership” that it serves. The field of membership is the common link that all members of a credit union share and it can be based on employer, geographic location (e.g. New York City), membership in another group (a church, school, labor union), or being family with a credit union member.

How do I find a free ATM to use?

Find an ATM near you by inputting your zip code or sharing your current location on the device you’re using, here. If you’re wary of turning on location services, remember that you can adjust your selection in Settings or in the Permissions Settings of the browser you’re using.

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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