Municipal Credit Union

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 $4,375 million in assets. Customers can open an account at one of its 38 branches.

Deposit Rates - March 31, 2025

SAVINGS RATES	APY	MIN
SAV	0.05%	$0	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	3.04%	$500	Compare
9 Mo CD	4.00%	$500	Compare
12 Mo CD	3.04%	$500	Compare
15 Mo CD	3.04%	$5	Compare
24 Mo CD	3.56%	$500	Compare
36 Mo CD	4.85%	$500	Compare

MM RATES	APY	MIN
Money Market	1.51%	$0	Compare
Money Market	1.76%	$10,000	Compare
Money Market	2.02%	$25,000	Compare
Money Market	1.76%	$50,000	Compare

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

Third Federal Savings and Loan
NMLS ID: 449401 / Updated 2025-03-31
Equal Housing Lender

Intro APR: 6.990 %
After Intro:6.990 %

Third Federal rate are typically 20% lower than other leaders
Guaranteed Lowest Rate
No closing costs, prepayment penalties, or minimum draw requirements
10 year draw period

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-03-06

Intro APR: 7.250 %
After Intro:7.250 %

$15,000

Flexible terms, borrow $15K-$400K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Spring EQ
NMLS ID: 1464945 / Updated 2025-03-31

The leader for homeowners tapping cash from their homes since 2016.

Access up to 90% of your home's equity, up to a maximum of $500,000.
FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
A fixed rate for life- no need to worry about fluctuating rates.
We make it easy - and fast - to access your cash (as little as 11 days).

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-03-31

Intro APR: 7.250 %
After Intro:7.250 %

$15,000

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed

AmeriSave Mortgage Corporation
NMLS ID: 1168 / Updated 2025-03-31

Home Equity Loans & Refinance – Cash out

Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business

Unlock Technologies, Inc.
NMLS ID: Not a Lender / Updated 2025-03-31

Get cash now in exchange for a percentage of your homes future equity.

No monthly payments or interest charges
Minimum Credit score: 500
Access up to $500k
No need to refinance

Upstart
NMLS ID: 2443873 / Updated 2025-03-31

As low as 6.3% APR on your initial draw*

As low as 6.3% APR on your initial draw*
Get your money up to 6x faster than the industry standard*
Fixed rate on each draw*
No paperwork needed to apply

New American Funding, LLC
NMLS ID: 6606 / Updated 2025-03-31

Cash-Out and Home Equity Options Available.

Competitive Rates for FICO Scores 580-679
366k+ positive reviews, A rating from the BBB
Pay off higher interest rate credit cards, Pay college tuition
100% online mortgage application available

CrossCountry Mortgage, LLC
NMLS ID: 3029 / Updated 2025-03-31

Unlock Your Home's Potential

Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
Unlock Your Home's Value: Discover the Power of our Online HELOC!
Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
Secure Your Future: Experience the Ease of our Fixed Home Equity Loans

Figure Home Equity Line
NMLS ID: 1717824 / Updated 2025-03-31
Equal Housing Lender

HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online.

Fastest way to turn home equity into cash
Flexible terms, redraw up to 100%, borrow $15k-$400k
Approval in as little as 5 minutes. Funding in as few as 5 days.
Use to consolidate debt or finance your next home project

PenFed Credit Union
NMLS ID: 401822 / Updated 2025-03-31
Equal Housing Lender

Home Equity Line of Credit - Equal Housing Lender

Home Equity Line of Credit - Equal Housing Lender
Loans Amounts from $25,000 - $500,000
Get a HELOC from PenFed to Put Your Home Equity to Work
HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans

Point Digital Finance
NMLS ID: Not a Lender / Updated 2025-03-31

Get up to $500k with no monthly payments, ever.

No income requirements or need for perfect credit
Your home wealth, to use your way
Find out if you qualify in as little as 60 seconds
Home Equity Investments are not considered a loan in all states

District Lending
NMLS ID: 598623 / Updated 2025-03-31

No Lender Fees

No Lender Fees
Fast
Easy
Over 20 Years Experience

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Green Lending, LLC
NMLS ID: 2598612

6.233%

$1,945 Fees & Points $3,890 Total
0.900 Pts ($2,880)
$1,010 Fees

Personalized mortgage solutions designed for your lifestyle.
Expert advice and support every step of the way.
Simplifying the mortgage process so you can focus on living.

Beeline Loans, Inc.
NMLS ID: 1799947

6.446%

$1,997 Fees & Points $2,368 Total
0.740 Pts ($2,368)
$0 Fees

See how much cash an easy refi can give you.
Increase your ROI, renovate or roll in it!
Tap into your equity with a Beeline Refi. Apply Online in 15 minutes.

PenFed Credit Union
NMLS ID: 401822

6.680%

$2,023 Fees & Points $6,000 Total
0.875 Pts ($2,800)
$3,200 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
Lower your payment, get cash out, and more

Refi.com
NMLS ID: 1907
License#: Ohio

6.692%

$2,049 Fees & Points $2,202 Total
0.688 Pts ($2,202)
$0 Fees

Lower your monthly mortgage payment with a streamlined refinance
Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals

Sebonic
NMLS ID: 66247

8.194%

$2,376 Fees & Points $2,077 Total
0.649 Pts ($2,077)
$0 Fees

Whether it's time to buy or refi, we're here to help you take the next step.
The home financing you need at the speed you deserve

Beeline Loans, Inc.
NMLS ID: 1799947

Fees & Points Total
Pts ($0)
$0 Fees

Apply in less than 10 minutes.
Fast, stress-free closing in as little as 14 days
More loan types so you’re more likely to qualify

Veterans United Home Loans
NMLS ID: 1907

Fees & Points Total
Pts ($0)
$0 Fees

Use your VA Loan benefits to get cash from your home equity
Get a personalized quote fast with instant uploads and 24/7 access
Over 300,000 verified 5-star reviews

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Overview 2025

General Credit Union Information

NCUA Insured	Yes / State-Chartered
Charter Number	# 60153
Date Established	1917
Assets	$4,375.44 million
Loans	$2,681.23 million
Deposits	$3,895.59 million
Capital	$495.85 million

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Branches

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