Municipal Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
MCU - Queens	9015 Queens Blvd, Elmhurst, NY 11373	View Lobby Hours
MCU - Bronx	560 Courtlandt Ave, Bronx, NY 10451	View Lobby Hours
MCU - Bklyn	350 Jay St, Brooklyn, NY 11201	View Lobby Hours
MCU - Manhattan	2 Lafayette St, New York, NY 10007	View Lobby Hours
Disaster recovery site	755 Co Op City Blvd, Bronx, NY 10475	View Lobby Hours
MCU - East Meadow	1 Merrick Ave, East Meadow, NY 11554	View Lobby Hours
MCU -CONEY ISLAND	1904 Surf Ave, Brooklyn, NY 11224	View Lobby Hours
MCU - Cortlandt St	22 Cortlandt St, New York, NY 10007	View Lobby Hours
MCU - Eastside	435 E 70th St, New York, NY 10021	View Lobby Hours
MCU - SI	2546 Hylan Blvd, Staten Island, NY 10306	View Lobby Hours
MCU - Nyack	160 N Midland Ave, Nyack, NY 10960	View Lobby Hours
MCU - Elmont	1660 Hempstead Tpke, Elmont, NY 11003	View Lobby Hours
MCU - Georgetown	2142 Ralph Ave, Brooklyn, NY 11234	View Lobby Hours
MCU - Melville	498 Walt Whitman Rd, Melville, NY 11747	View Lobby Hours
MCU - Flatbush	1560 Flatbush Ave, Brooklyn, NY 11210	View Lobby Hours
MCU - Bklyn Postal	1050 Forbell St, Brooklyn, NY 11256	View Lobby Hours
MCU - Oceanside	3411 Long Beach Rd, Oceanside, NY 11572	View Lobby Hours
MCU - Psych	1051 Riverside Dr, New York, NY 10032	View Lobby Hours
MCU - Yonkers	38 S Broadway, Yonkers, NY 10701	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 1312186	6.093%	6.000%	1.00	$3,200	$1,919	Learn More
NMLS ID: 6606	6.218%	6.125%	1.00	$3,178	$1,945	Learn More
NMLS ID: 1025894	6.353%	6.250%	0.88	$3,503	$1,971	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period 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. Home Equity Line of Credit - Equal Housing Lender.
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. 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

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