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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Municipal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: April 6, 2026
Municipal Credit Union's 12 Month CD rates are at 4.33%, 12 Month CD Special rates are at 4.33%, 12 Month CD K New Money rates are at 4.33%, 36-month IRA CD rates are at 3.82%, 24-month IRA CD rates are at 3.56%. Municipal Credit Union's 5/6 Adjustable Rate Mortgage (ARM) rates are at 5.62%. Municipal Credit Union's Personal Loan Rates are at 11.75%. 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 8.05%. Rates were last updated on 04/06/2026. 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. 
Municipal Credit Union CD Rates
Municipal Credit Union Mortgage Rates
Municipal Credit Union Home Equity & HELOC
Municipal Credit Union Auto Loan Rates
Municipal Credit Union Credit Card Rates
Municipal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
628
Part-Time Employees
30
Branch Locations
15
ATM Locations
16
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.05%
Return on Assets (ROA)
0.8381%
Return on Equity (ROE)
7.2539%
Non-Performing Loans Ratio (NPL)
1.44%
Total Assets
4,679,237,109
Total Amount of Shares and Deposits
4,084,952,236
Total Shares and Deposits < 1 Year
4,018,180,032
Total Shares and Deposits 1 3 Years
66,278,568
Total Shares and Deposits > 3 Years
493,636
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
177,982,897
Total Uninsured Shares and Deposits > $250K (F+J)
177,982,897
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,906,969,339
Total Interest Expense (Sum of items 6 8)
22,204,146
Share Certificates
39,274
Number of Accounts for Share Drafts
415,536
IRA KEOGH Accounts
6,398
Number of Accounts for Regular Shares
738,627
All other shares
7,028
Money Market Shares
8,291
Net Income (unless the amount is already included in Undivided Earnings)
39,214,935
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
363,952,015
Total Liabilities
4,200,561,758
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Municipal Credit UnionIs Municipal Credit Union a safe place to deposit money?Yes, Municipal Credit Union is considered a safe financial institution. With a Texas Ratio of 8.0534945126026%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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