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ALERT
Please be advised that the ATMs at our Georgetown branch, located at 2142 Ralph Avenue in Brooklyn, may be temporarily unavailable due to a planned electrical shutdown on the following dates:
 
Wednesday, 6/19 to Friday, 6/21, from 5 PM until 2 AM
Saturday, 6/22, from 1 PM until 8 PM

During these times, please visit one of our other local ATMs or use our Digital Banking platform. We apologize for any inconvenience this may cause.

 

 

 

If you find yourself in need of applying for a mortgage for the purpose of purchasing a home,

and you have a fully executed contract but are unable to schedule an appointment,

we kindly request that you send an email to mtg@nymcu.org.

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Schedule a Branch Appointment Visit
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Schedule a Telephone Appointment With a Lending Specialist
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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.

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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, ...

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.

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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.

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.

Ready to Start Building a Lifelong Financial Partnership?

Our member service team is ready with reliable banking products and resources to get you set up on the path to an exceptional financial future, no matter where you’re starting from.

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Why Join MCU?
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