--- title: "Municipal Credit Union Rates - New York" description: "Current auto loan, personal loan, and savings & cd rates from Municipal Credit Union in New York. Updated daily with source verification. See who can join Municipal Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/municipal" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Municipal Credit Union Rates - New York ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **60-Month Auto Loan** auto_any_60mo | — APR | 4.990% | 60 mo | Standard | Municipal Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 7.740% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 12.000% | — | Standard | Municipal Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **6-Month Certificate** share_certificate_6mo | — APY | 3.25% | 6 mo | Standard | | **Certificate** share_certificate | — APY | 3.30% | — | Standard | Municipal Credit Union savings & cd rates as of November 12, 2026 Municipal Credit Union is a credit union in New York. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/municipal) , verified from [Municipal Credit Union's official website](https://www.nymcu.org/) Loading branch locator… ## About Municipal Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 641K Assets $5.1B Founded 1917 Locations reported 16 NCUA charter 60153 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Xcel** XCEL Federal Credit Union · New York · NY · 10278-1300 About 0.3 miles away](https://rateapi.dev/credit-unions/new-jersey/xcel) [**Greater Metro** The Finest FCU · New York · NY · 10038 About 0.5 miles away](https://rateapi.dev/credit-unions/new-york/greater-metro) [**The Finest** Main Branch - Police Plaza · New York · NY · 10038 About 0.5 miles away](https://rateapi.dev/credit-unions/new-york/the-finest) [**New York University** Credit Union · New York · NY · 10003-9616 About 1.3 miles away](https://rateapi.dev/credit-unions/new-york/new-york-university) [**Lower East Side People's** LESPFCU MAIN BRANCH · NEW YORK · NY · 10009 About 1.4 miles away](https://rateapi.dev/credit-unions/new-york/lower-east-side-peoples) [**Financial Resources** Financial Resources FCU - Jersey City Branch · Jersey City · NJ · 07310 About 1.7 miles away](https://rateapi.dev/credit-unions/new-jersey/financial-resources) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Municipal Credit Union Membership eligibility from Municipal Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Municipal Credit Union's website. Check the membership page below to confirm whether you qualify. - Location NY - Employer New York State or Federal government agencies Verified from [Municipal Credit Union's membership page](https://www.nymcu.org/join) . Final membership determination is always made by the credit union. ## Membership rules for Municipal Credit Union Geography 4 · Employers · Family 2 7 published paths to membership, last verified August 27, 2026, quoted from Municipal Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - New York, NY “Membership at MCU is open to individuals who live, work, worship, or attend school in New York City (NYC)” > [source ↗](https://www.nymcu.org/join) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of New York State or Federal government agencies - Works in state:NY “Employees of New York State or Federal government agencies based in New York.” > [source ↗](https://www.nymcu.org/join) - Employee of New York State or Federal government agencies and Works in NY ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family members, household members “Immediate family members or household members of existing MCU members.” > [source ↗](https://www.nymcu.org/join) - Family member (immediate family members, household members) of a member - Family of a member immediate family, household member “immediate family members or household members of existing MCU members.” > [source ↗](https://www.nymcu.org/join) - Family member (immediate family, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Municipal Credit Union? Yes No ## Work at Municipal Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Municipal Credit Union ranks against New York peers. - See which AI assistants fetched Municipal Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=municipal&state=new-york&code=NY&name=Municipal%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Municipal Credit Union offer? Municipal Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Municipal Credit Union rates updated? RateAPI verifies Municipal Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Municipal Credit Union's rate data? Rate data is collected directly from Municipal Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Municipal Credit Union? Municipal Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 4 geographic areas and 1 employer for Municipal Credit Union, each quoted from Municipal Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Municipal Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.nymcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Municipal Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Municipal Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /municipal " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Municipal Credit Union locations Search, filter, and browse all 16 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/municipal Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp