Municipal Credit Union (NY) datapoints

[gurusexy]

Some intel for those who want to use MCU in the New York City area

The best rates for auto is 725+ for auto and 740+ for personal loans (my 703 qualified for a 10% 25K loan for 72 months apparently, and 2.75 for 60 months ofr auto). They pulled experian. I have heard anecdotally they have pulled TU for some others

New credit would require a new application but will use same pull within the same 30 days.

Enjoy!

[Anonymous]

Thanks for sharing!!

[BKFireFly]

Thanks for sharing. I was considering applying for a cli but I'm sure it's worth it. My scores aren't as high as yours.

[Anonymous]

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@gurusexy wrote:

Some intel for those who want to use MCU in the New York City area

The best rates for auto is 725+ for auto and 740+ for personal loans (my 703 qualified for a 10% 25K loan for 72 months apparently, and 2.75 for 60 months ofr auto). They pulled experian. I have heard anecdotally they have pulled TU for some others

New credit would require a new application but will use same pull within the same 30 days.

Enjoy!

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I've been an MCU member since 2003, and I will tell you a few things.

1) DO NOT GET AN AUTO LOAN from MCU. (This is not to bash them at all).

However, personal loans are definitely a + with MCU

They pull EX for personal loans and Auto loans

Credit Cards: TU..

For credit increases: TU

[Chitown2newyk]

What is wrong with the auto loans of you don't mind me asking? I heard it was the best terms out there if you qualify for the lowest rate.