www.nymcu.org is the official website of the Municipal Credit Union of New York City, New York. This website strives to comply with the best practices and standards as defined by Section 508 of the U.S. Rehabilitation Act and level AA of the Worldwide Web Consortium (W3C) Web Content Accessibility Guidelines. To learn more about municipal credit unions, please read on.



The Municipal Credit Union (MCU) is a state-chartered credit union headquartered in New York, and regulated under the authority of the National Credit Union Administration (NCUA). MCU is metro New York’s largest credit union.

It has approximately 425,000 members and 18 branches. Their products include savings; checking; consumer loans; mortgages; credit cards; online banking.

Municipal Credit Union

What is a credit union? A credit union is a non-profit financial institution cooperatively owned by its members. which focuses on serving members, rather than on maximizing profit. In a credit union, earnings go back to members in the form of more favorable rates and fewer, lower fees for products and services.

However, credit unions offer many of the same products and services offered by other financial institutions, such as checking and savings accounts; personal, auto, and mortgage loans; credit cards, direct deposit, online and mobile banking, and ATM networks.

However, customers of credit unions are called “members.” Members of a credit union own and control the institution.

How to Join Ny MCU-Nymcu.org Enroll

To become a member of MCU, you will need to follow the online registration process. Here are the steps:

  • Visit the website at https://www.nymcu.org/
  • Tap on the menu icon.
  • Choose the “Join MCU option.”
  • Follow the onscreen directives to complete the process.

These are steps to becoming a member of the municipal credit union.

How to Become an MCU Partner

To become a partner of MCU, you will need to follow the online registration process. Here are the steps.

  • Visit https://www.nymcu.org/
  • Click on the menu icon
  • Tap the ‘become a partner button.
  • Complete the process by following the on-screen directives.

These are steps to becoming a municipal credit union partner.

NYMCU Mobile Banking App

Municipal Credit Union’s free Mobile Banking app brings the convenience and dependability of a credit union to your mobile device. You can access and manage your accounts by downloading and signing into the Nymcu app.

To download the app, visit the Google Play store or Apple App Store. After getting the app, you can perform an MCU online banking login to access your account.

MCU Loan

Do you want to buy a new or used car, or refinance your current auto loan? MCU offers members products to help them buy, refinance, or insure their cars. On the Nymcu loan page, use the “Check App Status” tab to check on the status of your application, view messages, or submit documents.

How to Apply for an MCU Loan

To apply for the loan, do the following:

  • Go to https://www.nymcu.org/
  • Go down the page. Under the product tab, select the loan tab.
  • To apply, click on the Apply button. To check your status, tap the “Check app status” button.

Follow the onscreen directives to apply for a NY MCU Loan.

MCU Credit Card

To meet your credit needs, MCU offers a VISA® Card. The Platinum card and Cash Back Rewards cards give you the option to select the VISA® card that is right for you.

On the credit card page, use the “Check App Status” button to check on the status of your application, view messages, or submit documents.

How to Apply for an MCU Credit Card Online

To apply for a credit card online, do the following:

  • Go to https://www.nymcu.org/.
  • Move down the page and select the Credit Card button beneath the Product and Services section.
  • Tap on the Apply Now link or click the Check App Status tab.

Follow the onscreen instructions to apply for the credit card.

Nymcu.org Insurance

As a credit union member, there are a variety of insurance products available to you. They are as follows:

  • Whole Life Insurance
  • Auto & Home Insurance
  • Term life insurance
  • AD&D Insurance

How to Check Nymcu Rates

To check your NY MCU credit cards, loans, savings, or mortgage rates, do the following:

  • Visit https://www.nymcu.org/
  • Move down the page under the Rates section, and select a topic.

Use the guide to check your loan, credit card, savings, or mortgage rates.

MCU Telephone Number Customer Service

Are you searching for MCU’s 24-hour customer service number, or maybe you want to book an MCU appointment? To access their official phone number or to check MCU customer service hours, do this:

  • Visit MCU’s website at https://www.nymcu.org/
  • Go down and click on the Contact Us button.

MCU Locations Near Me

Looking for an MCU Credit Union near me or an MCU ATM near me? If yes, follow the steps below.

  • Go to https://www.nymcu.org/
  • Scroll down the page and click on the “Find Branches & ATMs” button.

Follow the instructions on the screen to find the nearest MCU locations.

What bank is MCU in the USA?

MCU is not a bank but a credit union. MCU stands for Municipal Credit Union.

Does MCU charge a monthly fee?

Yes. You’ll receive all the essential perks of an MCU checking account, and they’ll waive the $5.00 monthly fee if you have an average daily balance of $100 or more. However, cell phone protection and personal identity protection are subject to additional terms and conditions.

Who owns MCU bank?

Municipal Credit Union (MCU) is a state-chartered credit union located in New York. The union is regulated under the authority of the National Credit Union Administration (NCUA).

What credit score is needed for an MCU credit card?

Generally, strong personal loan candidates have a credit score of 670 or higher and a credit history with minimal late payments and delinquencies.


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