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Municipal Credit Union


Phone: 212-693-4900

Municipal Credit Union is a NCUA insured credit union headquartered at 22 CORTLANDT ST, NEW YORK, NY 10007.
It was founded in 1917 and has approximately $4,619 million in assets. Customers can open an account at one of its 38 branches.

Deposit Rates - December 10, 2025

SAVINGS RATES APY MIN
SAV
3.20% $100 Compare
SAV
0.01% $500 Compare
SAV
0.01% $1,000 Compare
SAV
0.05% $4,000 Compare
SAV
0.05% $50,000 Compare
CD RATES APY MIN
6 Mo CD
3.50% $500 Compare
9 Mo CD
4.40% $500 Compare
12 Mo CD
3.82% $500 Compare
15 Mo CD
4.85% $5 Compare
24 Mo CD
3.56% $500 Compare
36 Mo CD
3.82% $500 Compare
MM RATES APY MIN
Money Market
0.65% $0 Compare
Money Market
0.65% $10,000 Compare
Money Market
1.76% $25,000 Compare
Money Market
1.51% $50,000 Compare

Loan Rates - December 10, 2025

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
5 Year Adjustable Conforming
7.20% $2,020.51
15 Year Fixed Conforming
6.48% $2,766.48
15 Year Fixed Jumbo
6.79% $2,831.71
20 Year Fixed Conforming
6.58% $2,383.95
20 Year Fixed Jumbo
6.90% $2,456.05
30 Year Fixed Conforming
6.69% $2,050.05
30 Year Fixed Jumbo
7.02% $2,128.97
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
5 Year Adjustable Conforming
7.20% $2,020.51
15 Year Fixed Conforming
6.48% $2,766.48
15 Year Fixed Jumbo
6.79% $2,831.71
20 Year Fixed Conforming
6.58% $2,383.95
20 Year Fixed Jumbo
6.90% $2,456.05
30 Year Fixed Conforming
6.69% $2,050.05
30 Year Fixed Jumbo
7.02% $2,128.97
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
3.25% Varies
Compare with 0 RATE Line of Credit from PenFed Credit Union PenFed Credit Union
Compare with 6.95 RATE Line of Credit from Figure Home Equity Figure Home Equity
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc Reliant Home Funding, Inc
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan Third Federal Savings and Loan
Compare with 7.25 RATE Line of Credit from Four Leaf Federal Credit Union Four Leaf Federal Credit Union
See Other Home Equity Rates →
AUTO LOAN RATES APR(%) MONTHLY PAYMENT
3 Year
2.29% $719.23
4 Year
2.29% $545.55
5 Year
2.29% $441.37

Overview 2025

General Credit Union Information

NCUA Insured Yes / State-Chartered
Charter Number # 60153
Date Established 1917
Assets $4,619.41 million
Loans $2,872.34 million
Deposits $4,051.11 million
Capital $524.57 million


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Branches

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Your current location is: New York City, NY

Municipal Credit Union Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    MUNICIPAL
    Credit Union
    -
    $50,000
    N.A.
    3.20%
    14.16x (National Avg. - 0.23%)
    $100
    -
    SCENARIO
    Year Rate
    3.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,600 1,120
    2 51,600 1,651 1,156
    3 53,251 1,704 1,193
    4 54,955 1,759 1,231
    5 56,714 1,815 1,270
    6 58,529 1,873 1,311
    7 60,402 1,933 1,353
    8 62,334 1,995 1,396
    9 64,329 2,059 1,441
    10 66,388 2,124 1,487
    11 68,512 2,192 1,535
    12 70,704 2,263 1,584
    13 72,967 2,335 1,634
    14 75,302 2,410 1,687
    15 77,712 2,487 1,741
    16 80,198 2,566 1,796
    17 82,765 2,648 1,854
    18 85,413 2,733 1,913
    19 88,146 2,821 1,974
    20 90,967 2,911 2,038
    TOTAL $43,878 $30,715
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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