Credit union · NCUA insured
Municipal Credit Union
Top CarrotA $5.1B credit union, the 87th largest of 4,329, headquartered in New York, NY, with 640,990 members and 15 branches in New York. Best rates: CDs 4.07% and savings 3.00% APY.
Municipal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 90% of U.S. banks and credit unions
#14 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Municipal Credit Union
Founded in 1916, Municipal Credit Union is committed to serving and empowering working New Yorkers across New York City.
The credit union operates as a member-driven, not-for-profit financial institution where every member has a vote.
- Headquarters
- 22 Cortlandt St, New York, NY 10007-3107
- NCUA charter
- 60153
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in New York City (NYC).
Military, government and schools
- Membership is open to employees of New York State or Federal government agencies based in New York.
Family and household
- Membership is open to immediate family members or household members of existing MCU members.
Branches
15 branches in New York
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New York
15 branches
- MCU - CO-OP City755 Co Op City Blvd, Bronx, NY 10475Directions
- MCU - South Bronx225 E 149th St, Bronx, NY 10451Directions
- MCU - Downtown Brooklyn350 Jay St, Brooklyn, NY 11201Directions
- MCU - Georgetown2142 Ralph Ave, Brooklyn, NY 11234Directions
- MCU - Midwood1560 Flatbush Ave, Brooklyn, NY 11210Directions
- MCU - Spring Creek911 Erskine St, Brooklyn, NY 11239Directions
- MCU - Elmont1660 Hempstead Tpke, Elmont, NY 11003Directions
- MCU - Tribeca86 Chambers St, New York, NY 10007Directions
- MCU - West Harlem280 Saint Nicholas Ave, New York, NY 10027Directions
- MCU - Rego Park6135 Junction Blvd, Rego Park, NY 11374Directions
- MCU - St. Albans Branch18839 Linden Blvd, Saint Albans, NY 11412Directions
- MCU - Springfield Gardens13466 Springfield Blvd, Springfield Gardens, NY 11413Directions
- MCU - Graniteville1756 Forest Ave, Staten Island, NY 10303Directions
- MCU - New Dorp Beach2626 Hylan Blvd, Staten Island, NY 10306Directions
- MCU - Yonkers66 Main St, Yonkers, NY 10701Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.93% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.66% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.44% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $75 | $88 | — |
- CapitalNet worth ratio11.93%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.66%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.44%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$75Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Municipal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.