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Municipal Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Municipal Credit Union's CD 12-Month-Bonus Rate rates are at 4.07%, 36 Month CD rates are at 3.82%, 36-month IRA CD rates are at 3.82%, 12-month IRA CD rates are at 3.56%, 24-month IRA CD rates are at 3.56%. Municipal Credit Union's savings rates are at 0.05%. Municipal Credit Union's money market rates are at 2.02%. Municipal Credit Union's 30-year Term, 5/6 Adjustable Rate Mortgage (ARM) rates are at 5.62%. Municipal Credit Union's Auto Loan Rates are as low as 4.99%. MonitorBankRates evaluates the financial stability of Municipal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.65%. Rates last updated and verified on 09/21/2026.

Municipal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Municipal Credit Union? Share your experience about Municipal Credit Union by leaving a review below, or read customer reviews before you decide to use Municipal Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.65%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Municipal Credit Union
MCU - Cortlandt St
22 Cortlandt St
New York, NY 10007-3107
https://www.nymcu.org
Member NCUA

Municipal Credit Union CD Rates

Product Rate APY Term View More
Share Certificate 12-Month-Bonus Rate - 4.07% 12 Month
Min Deposit $500
Details Bonus Rate
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%
36 Month Share Certificate - 3.82% 36-Month
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%
36-month IRA Share Certificate - 3.82% 36 months
Details APY
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%
12-month IRA Share Certificate - 3.56% 12 months
Details APY
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%
24-month IRA Share Certificate - 3.56% 24 months
Details APY
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%
Share Certificate 24-Month - 3.56% 24 Month
Min Deposit $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%
18 Month IRA Share Certificate - 3.30% 18-month
Details Variable rate account and the rate may change after the account is opened.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%
6-month IRA Share Certificate - 3.30% 6 months
Details APY
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%
9 Month Share Certificate - 3.30% 9-Month
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%
Share Certificate 9-Month - 3.30% 9 Month
Min Deposit $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%

Municipal Credit Union Savings Rates

Product Rate APY View More
Hero Savings - 0.05%
Min Balance $50,000
Details APY = Annual Percentage Yield. To earn the APY, a minimum deposit of $0 and a $100,000 minimum balance is required.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%

Municipal Credit Union Money Market Rates

Product Rate APY View More
Money Market - 2.02%
Min Balance $100,000
Details APY = Annual Percentage Yield. To earn the APY, a minimum deposit of $0 and a $100,000 minimum balance is required.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%

Municipal Credit Union Mortgage Rates

Product Rate Points APR Term View More
30-year Term, 5/6 Adjustable Rate Mortgage (ARM) 5.63% 0.000 8.15% 30 year
Details Initial rate is current as of 7/21/23 and is the Credit Union's best rate. Promotional rate starting 06.06.23 and will expire in 120 days (10.04.23). Any application submitted on or after 10.05.23 will not receive the promotional rate. Rates and payments may adjust every 6 months after the initial period expires based on movements in the index. Current rate shown above factors in MCU's floor rate of 2.750%. Rate is applicable to loans secured by a 1-2 Family home which is the principal residence of the borrower(s). Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes and loan amount. Rates may be higher based on applicant's creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply. Rates and terms may vary depending on loan to value ratio, credit evaluation and underwriting requirements. After the fixed rate period, your interest rate will adjust up or down according to market rates at the time of reset. PMI=Private Mortgage Insurance. Flood and/or property hazard insurance may be required. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Membership is required.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%

Municipal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity HELOC 2nd Lien Promotion - - 5.99%
Details This HELOC rate advertised of 5.99% APR* , represents a 2nd Lien Promotion.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%

Municipal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan 4.99% - 4.99%
Details As Low As
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.65%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Municipal Credit Union’s Texas Ratio stayed near 6.98% in Q2 2023 to 6.65% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 6.98% A Q2 2023 A Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 6.65% A Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$5.1B6.65%5.0A
December 31, 2025$4.9B8.03%5.0A
September 30, 2025$4.7B7.30%5.0A
June 30, 2025$4.6B6.52%5.0A
March 31, 2025$4.6B6.07%5.0A
December 31, 2024$4.5B8.38%5.0A
September 30, 2024$4.4B7.60%5.0A
June 30, 2024$4.3B7.96%5.0A
March 31, 2024$4.4B7.76%5.0A
December 31, 2023$4.2B8.19%5.0A
September 30, 2023$4.2B7.05%5.0A
June 30, 2023$4.2B6.98%5.0A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Municipal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Municipal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Municipal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Municipal Credit Union
Website https://www.nymcu.org
Address 22 Cortlandt St, New York, NY 10007-3107
Phone 212-238-3300
Fax
President Thomas Canty
CEO Kyle Markland
Full-Time Employees 662
Part-Time Employees 29
Branch Locations 15
ATM Locations 15
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.65%
Return on Assets (ROA)
0.4060%
Return on Equity (ROE)
3.5955%
Non-Performing Loans Ratio (NPL)
1.29%
Total Assets
5,102,373,093
Total Amount of Shares and Deposits
4,475,716,146
Total Shares and Deposits < 1 Year
4,407,554,562
Total Shares and Deposits 1 3 Years
67,793,373
Total Shares and Deposits > 3 Years
368,211
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
225,447,030
Total Uninsured Shares and Deposits > $250K (F+J)
225,447,030
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,250,269,116
Total Interest Expense (Sum of items 6 8)
10,960,153
Share Certificates
41,935
Number of Accounts for Share Drafts
412,469
IRA KEOGH Accounts
6,321
Number of Accounts for Regular Shares
744,898
All other shares
7,265
Money Market Shares
8,176
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
582,749,820
Total Liabilities
4,583,891,108
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Municipal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/municipal-credit-union-rates-review-60153">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Municipal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Municipal Credit Union

How many branches does Municipal Credit Union operate?

Municipal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Municipal Credit Union?

Yes, to access services at Municipal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Municipal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Municipal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Municipal Credit Union offer online and mobile banking?

Most modern institutions like Municipal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nymcu.org.

Current Municipal Credit Union Rates

  • 12-Month CD3.56%
  • 18-Month CD3.30%
  • 24-Month CD3.56%
  • Savings0.05%
  • MMA2.02%
Retrieved from our database of financial products. Rates subject to change.

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