Credit union
Independent comparison. JustAutoRates is not affiliated with Municipal Credit Union (MCU). To apply, visit nymcu.org.
New York · Headquarters New York
Open to anyone who lives, works, worships or attends school in New York City, plus family/household of members
Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.
4.99%NewUp to 60 months
NY
Published as Up to 60 months, not as a single monthly term.
Minimum loan $10,000.
APR as low as; assumes excellent credit. Minimum loan $10,000 up to 60 months ($20,000 to 72, $30,000 to 84). Only vehicles from franchise dealers or TrueCar Certified, Carvana, CarMax or Hertz Car Sales. Advertised as up to 60 months.
Checked Nov 11, 2026Source nymcu.org
5.24%UsedTerm not listed
NY
The source does not assign this APR to a term.
APR as low as; assumes excellent credit. Minimum loan $10,000 up to 60 months ($20,000 to 72, $30,000 to 84). Only vehicles from franchise dealers or TrueCar Certified, Carvana, CarMax or Hertz Car Sales. Terms up to 84 months; the used rate is not tied to a specific term.
Checked Nov 11, 2026Source nymcu.org