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First New York Federal Credit Union

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First New York Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at First New York Federal Credit Union?

Current rates for First New York Federal Credit Union include: 12-Month CD: 0.15%, 18-Month CD: 3.50%, 24-Month CD: 4.25%, 60-Month CD: 2.70%, MMA: 0.30%

Q: What CD terms does First New York Federal Credit Union offer?

First New York Federal Credit Union CD rates are 3.25% APY for a 6 month CD, 4.25% APY for a 9 month CD, 3.50% APY for a 12 month CD, 3.50% APY for an 18 month CD, 4.25% APY for a 2 year CD and 2.70% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with First New York Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

First New York Federal Credit Union's CD - 24 month rates are at 4.25%, CD - 9 month rates are at 4.25%, CD - 12 month rates are at 3.50%, CD - 18 month rates are at 3.50%, CD - 6 month rates are at 3.25%. First New York Federal Credit Union's money market rates are at 0.30%. First New York Federal Credit Union's Easy Street Mortgage rates are at 4.74%. First New York Federal Credit Union's Personal Loan Rates are as low as 4.74%. First New York Federal Credit Union's top CD rate of 4.25% APY on a 2 year CD is 46% higher than the MonitorBankRates national average for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of First New York Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.76%. Rates last updated and verified on 10/28/2026.

First New York Federal 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 First New York Federal Credit Union? Share your experience about First New York Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First New York Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.76%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First New York Federal Credit Union
Wall St Location

2 Wall St
Albany, NY 12205-3845

https://www.firstnewyork.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First New York Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate - 24 month	4.17%	4.25%	24 month
Min Deposit $500 Details IRA eligible; Dividends compounded monthly; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Share Certificate - 9 month	4.17%	4.25%	9 month
Min Deposit $2,500 Details IRA not eligible; Dividends compounded monthly; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Share Certificate - 12 month	3.45%	3.50%	12 month
Min Deposit $500 Details IRA eligible; Dividends compounded monthly; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Share Certificate - 18 month	3.45%	3.50%	18 month
Min Deposit $500 Details IRA eligible; Dividends compounded monthly; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Share Certificate - 6 month	3.20%	3.25%	6 month
Min Deposit $500 Details IRA eligible; Dividends compounded monthly; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Share Certificate - 3 month	2.96%	3.00%	3 month
Min Deposit $500 Details IRA not eligible; Dividends compounded monthly; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Share Certificate - 60 month	2.67%	2.70%	60 month
Min Deposit $500 Details IRA eligible; Dividends compounded monthly; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Share Certificate - 48 month	2.57%	2.60%	48 month
Min Deposit $500 Details IRA eligible; Dividends compounded monthly; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Share Certificate - 36 month	2.47%	2.50%	36 month
Min Deposit $500 Details IRA eligible; Dividends compounded monthly; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Share Certificate - 30 month	2.37%	2.40%	30 month
Min Deposit $500 Details IRA eligible; Dividends compounded monthly; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
12 Month Lucky Savers Share Certificate	0.15%	0.15%	12 month
Min Deposit $25 Details Prize-linked certificate; prize period October 1, 2026 to September 30, 2027; business and trust accounts not eligible for prizes; initial deposit of $25 required, additional deposits allowed during term; penalty for early withdrawal may apply; dividends compounded monthly Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%

First New York Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Premium	0.30%	0.30%
Min Deposit $0 Min Balance $150,000 Details Balance: $150,000+; Dividends compounded monthly; $75,000 minimum balance must be maintained to earn dividends; Fees may reduce earnings Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Money Market Premium	0.25%	0.25%
Min Deposit $0 Min Balance $75,000 Details Balance: $75,000 - $149,999.99; Dividends compounded monthly; $75,000 minimum balance must be maintained to earn dividends; Fees may reduce earnings Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Money Market	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000+; Dividends compounded monthly; No minimum to open; $2,500 minimum balance must be maintained to earn dividends; Fees may reduce earnings on this account Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Money Market	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Dividends compounded monthly; No minimum to open; $2,500 minimum balance must be maintained to earn dividends; Fees may reduce earnings on this account Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Dividends compounded monthly; No minimum to open; $2,500 minimum balance must be maintained to earn dividends; Fees may reduce earnings on this account Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Money Market	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Dividends compounded monthly; No minimum to open; $2,500 minimum balance must be maintained to earn dividends; Fees may reduce earnings on this account Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%

First New York Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Easy Street Mortgage	-	-	4.74%	12 years
Details As Low As; Refinance only; primary residence and first lien only; LTV 50% or less; $50,000 minimum; existing First New York real estate loans eligible with $10,000 of new money Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 4.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%

First New York Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	4.99%	10 years
Details As Low As; Loan to Value: 80%; 5-year draw period; minimum loan amount $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	5.49%	15 years
Details As Low As; Loan to Value: 80%; 5-year draw period; minimum loan amount $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Home Equity Line of Credit	-	-	5.74%	10 years
Details As Low As; Loan to Value: 80%; Annual Percentage Rate; 5-year draw period; Minimum loan amount $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	5.99%	20 years
Details As Low As; Loan to Value: 80%; 5-year draw period; minimum loan amount $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	5.99%	10 years
Details As Low As; Loan to Value: 81-90%; 5-year draw period; minimum loan amount $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Home Equity Line of Credit	-	-	5.99%	15 years
Details As Low As; Loan to Value: 80%; Annual Percentage Rate; 5-year draw period; Minimum loan amount $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	6.49%	15 years
Details As Low As; Loan to Value: 81-90%; 5-year draw period; minimum loan amount $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Home Equity Line of Credit	-	-	6.49%	20 years
Details As Low As; Loan to Value: 80%; Annual Percentage Rate; 5-year draw period; Minimum loan amount $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Home Equity Line of Credit	-	-	6.74%	10 years
Details As Low As; Loan to Value: 81-90%; Annual Percentage Rate; 5-year draw period; Minimum loan amount $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	6.99%	20 years
Details As Low As; Loan to Value: 81-90%; 5-year draw period; minimum loan amount $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Home Equity Line of Credit	-	-	6.99%	15 years
Details As Low As; Loan to Value: 81-90%; Annual Percentage Rate; 5-year draw period; Minimum loan amount $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Home Equity Line of Credit	-	-	7.49%	20 years
Details As Low As; Loan to Value: 81-90%; Annual Percentage Rate; 5-year draw period; Minimum loan amount $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%

First New York Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan - 2021-2027 Model Years	-	-	3.99%	Up to 24 months
Details As Low As; Model Years 2021-2027; Financing up to 125% of NADA value or purchase price Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 3.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
New Auto Loan - 2021-2027 Model Years	-	-	4.24%	Up to 36 months
Details As Low As; Model Years 2021-2027; Financing up to 125% of NADA value or purchase price Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
New Auto Loan - 2021-2027 Model Years	-	-	4.24%	Up to 48 months
Details As Low As; Model Years 2021-2027; Financing up to 125% of NADA value or purchase price Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
New Auto Loan - 2021-2027 Model Years	-	-	4.24%	Up to 60 months
Details As Low As; Model Years 2021-2027; Financing up to 125% of NADA value or purchase price Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
New Auto Loan - 2021-2027 Model Years	-	-	4.49%	Up to 72 months
Details As Low As; Model Years 2021-2027; Financing up to 125% of NADA value or purchase price; Minimum loan amount $20,000 for terms 72 months or greater Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
New Auto Loan - 2021-2027 Model Years	-	-	5.49%	Up to 84 months
Details As Low As; Model Years 2021-2027; Financing up to 125% of NADA value or purchase price; Minimum loan amount $20,000 for terms 72 months or greater Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Used Auto Loan: 2017-2020 Model Years	-	-	5.49%	24 months
Details As Low As; Previously owned or titled; Financing up to 100% of NADA value or purchase price, PLUS tax, title, registration and warranty; 0.25% APR discount for automatic payments reflected in rate Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Used Auto Loan: 2017-2020 Model Years	-	-	5.49%	36 months
Details As Low As; Previously owned or titled; Financing up to 100% of NADA value or purchase price, PLUS tax, title, registration and warranty; 0.25% APR discount for automatic payments reflected in rate Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Used Auto Loan: 2017-2020 Model Years	-	-	5.74%	48 months
Details As Low As; Previously owned or titled; Financing up to 100% of NADA value or purchase price, PLUS tax, title, registration and warranty; 0.25% APR discount for automatic payments reflected in rate Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Used Auto Loan: 2017-2020 Model Years	-	-	5.99%	60 months
Details As Low As; Previously owned or titled; Financing up to 100% of NADA value or purchase price, PLUS tax, title, registration and warranty; 0.25% APR discount for automatic payments reflected in rate Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
New Auto Loan - 2021-2027 Model Years	-	-	6.99%	Up to 96 months
Details As Low As; Model Years 2021-2027; Financing up to 125% of NADA value or purchase price; Minimum loan amount $20,000 for terms 72 months or greater; 96 month term only available on new model years 2026-2027 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Used Auto Loan - 2006-2016 Model Years	-	-	6.99%	24 months
Details As Low As; Model Years: 2006-2016; Previously owned or titled; Financing up to 100% of NADA value or purchase price, whichever is less, plus tax, title, registration and warranty; 0.25% APR automatic payment discount reflected in rate; 0.5% APR discount for hybrid or electric cars Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Used Auto Loan - 2006-2016 Model Years	-	-	6.99%	36 months
Details As Low As; Model Years: 2006-2016; Previously owned or titled; Financing up to 100% of NADA value or purchase price, whichever is less, plus tax, title, registration and warranty; 0.25% APR automatic payment discount reflected in rate; 0.5% APR discount for hybrid or electric cars Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Used Auto Loan - 2006-2016 Model Years	-	-	8.99%	48 months
Details As Low As; Model Years: 2006-2016; Previously owned or titled; Financing up to 100% of NADA value or purchase price, whichever is less, plus tax, title, registration and warranty; 0.25% APR automatic payment discount reflected in rate; 0.5% APR discount for hybrid or electric cars Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%

First New York Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Vehicle Loan	-	6.99%	48 months
Details As Low As; Model Years 2023-2027; Financing up to 100% of NADA value or purchase price; 0.25% APR discount for automatic loan payments reflected in rate Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
New Recreational Vehicle Loan	-	7.49%	72 months
Details As Low As; Model Years 2023-2027; Minimum loan amount for 72 month term is $25,000; Financing up to 100% of NADA value or purchase price; 0.25% APR discount for automatic loan payments reflected in rate Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Used Recreational Vehicle Loan	-	7.49%	48 months
Details As Low As; Model Years 2019-2022; Financing up to 90% of NADA value or purchase price, whichever is lower; 0.25% APR discount available for automatic loan payments Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
New Recreational Vehicle Loan	-	7.99%	96 months
Details As Low As; Model Years 2023-2027; Minimum loan amount for 96 month term is $35,000; Financing up to 100% of NADA value or purchase price; 0.25% APR discount for automatic loan payments reflected in rate Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
New Recreational Vehicle Loan	-	8.74%	180 months
Details As Low As; Model Years 2023-2027; Minimum loan amount for 180 month term is $50,000; Financing up to 100% of NADA value or purchase price; 0.25% APR discount for automatic loan payments reflected in rate Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Used Recreational Vehicle Loan	-	8.74%	72 months
Details As Low As; Model Years 2019-2022; Financing up to 90% of NADA value or purchase price, whichever is lower; Minimum loan amount for 72 month term is $25,000; 0.25% APR discount available for automatic loan payments Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Used Recreational Vehicle Loan	-	9.49%	96 months
Details As Low As; Model Years 2019-2022; Financing up to 90% of NADA value or purchase price, whichever is lower; Minimum loan amount for 96 month term is $35,000; 0.25% APR discount available for automatic loan payments Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Used Recreational Vehicle Loan	-	9.99%	180 months
Details As Low As; Model Years 2019-2022; Financing up to 90% of NADA value or purchase price, whichever is lower; Minimum loan amount for 180 month term is $50,000; 0.25% APR discount available for automatic loan payments Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%

First New York Federal Credit Union Personal Loan Rates

Product	APR	Term
Solar Loan	4.74%	5 years
Details Fixed APR; Actual rate offered may vary Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Solar Loan	4.99%	10 years
Details Fixed APR; Actual rate offered may vary Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Solar Loan	5.74%	15 years
Details Fixed APR; Actual rate offered may vary Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Solar Loan	5.99%	20 years
Details Fixed APR; Actual rate offered may vary Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Personal Loan - 12 months	8.99%	12 months
Details As Low As; Term Up To 12 months; APR is fixed; 0.25% APR discount available for automatic loan payments and reflected in the rates above Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Personal Loan - 24 months	9.24%	24 months
Details As Low As; Term Up To 24 months; APR is fixed; 0.25% APR discount available for automatic loan payments and reflected in the rates above Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Personal Loan - 48 months	9.74%	48 months
Details As Low As; Term Up To 48 months; APR is fixed; 0.25% APR discount available for automatic loan payments and reflected in the rates above Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Personal Loan - 60 months	10.24%	60 months
Details As Low As; Term Up To 60 months; APR is fixed; 0.25% APR discount available for automatic loan payments and reflected in the rates above Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%

First New York Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Easy Drive Lease-Like Program: 2021-2027 Model Years Loan	-	-	5.24%	24 months
Details As Low As; Fixed APR; Guaranteed Future Value $13,975.00; Based on 2025 Chevrolet Malibu Four-Door Sedan LS, sales price $25,000, Tier 1 credit; Financing up to 100% of book value or purchase price, whichever is lower Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Easy Drive Lease-Like Program: 2021-2027 Model Years Loan	-	-	5.49%	36 months
Details As Low As; Fixed APR; Guaranteed Future Value $11,869.00; Based on 2025 Chevrolet Malibu Four-Door Sedan LS, sales price $25,000, Tier 1 credit; Financing up to 100% of book value or purchase price, whichever is lower Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Easy Drive Lease-Like Program: 2021-2027 Model Years Loan	-	-	5.49%	48 months
Details As Low As; Fixed APR; Guaranteed Future Value $9,686.00; Based on 2025 Chevrolet Malibu Four-Door Sedan LS, sales price $25,000, Tier 1 credit; Financing up to 100% of book value or purchase price, whichever is lower Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Easy Drive Lease-Like Program: 2021-2027 Model Years Loan	-	-	5.49%	60 months
Details As Low As; Fixed APR; Guaranteed Future Value $7,640.00; Based on 2025 Chevrolet Malibu Four-Door Sedan LS, sales price $25,000, Tier 1 credit; Financing up to 100% of book value or purchase price, whichever is lower Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Easy Drive Lease-Like Program: 2021-2027 Model Years Loan	-	-	5.74%	72 months
Details As Low As; Fixed APR; Guaranteed Future Value $6,548.00; Based on 2025 Chevrolet Malibu Four-Door Sedan LS, sales price $25,000, Tier 1 credit; Financing up to 100% of book value or purchase price, whichever is lower Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%
Choice Account	-	-	0.05%
Min Balance $1,000 Details No minimum to open (no minimum for students with valid Student ID; $1 minimum to open for youth accounts); Earn dividends if average daily balance is greater than $1,000; No monthly service charge with Direct Deposit, First OnLine Bill Payment Service, or if you maintain a $1,000 average daily balance; Dividends are compounded monthly; Fees may reduce earnings on this account Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.76%

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.
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Financial Health History

First New York Federal Credit Union’s Texas Ratio stayed near 3.65% in Q3 2023 to 3.76% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$574M	3.76%	5.0	A+
March 31, 2026	$556M	4.11%	5.0	A+
December 31, 2025	$535M	6.01%	5.0	A
September 30, 2025	$504M	5.58%	5.0	A+
June 30, 2025	$525M	6.02%	5.0	A
March 31, 2025	$526M	4.89%	5.0	A+
December 31, 2024	$508M	4.71%	5.0	A+
September 30, 2024	$488M	5.01%	5.0	A+
June 30, 2024	$493M	5.10%	5.0	A+
March 31, 2024	$490M	3.06%	5.0	A+
December 31, 2023	$472M	3.31%	5.0	A+
September 30, 2023	$450M	3.65%	5.0	A+

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 First New York Federal 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 First New York Federal 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 First New York Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First New York Federal Credit Union

Website https://www.firstnewyork.org

Address 2 Wall St, Albany, NY 12205-3845

Phone 518-393-1326

Fax

President Brian Krawiecki

CEO Vikas Muktavaram

Full-Time Employees 132

Part-Time Employees 11

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.76%

Return on Assets (ROA)

0.2550%

Return on Equity (ROE)

2.8738%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

574,034,023

Total Amount of Shares and Deposits

520,959,495

Total Shares and Deposits < 1 Year

504,564,097

Total Shares and Deposits 1 3 Years

15,575,497

Total Shares and Deposits > 3 Years

819,901

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

10,835,412

Total Uninsured Shares and Deposits > $250K (F+J)

10,835,412

Total Insured Shares and Deposits > $250K (item 17 less item K)

510,124,083

Total Interest Expense (Sum of items 6 8)

2,746,174

Share Certificates

3,702

Number of Accounts for Share Drafts

20,698

IRA KEOGH Accounts

402

Number of Accounts for Regular Shares

41,176

All other shares

239

Money Market Shares

1,260

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)

50,249,415

Total Liabilities

528,270,086

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First New York Federal Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About First New York Federal Credit Union

Does First New York Federal Credit Union offer CDs?

Yes. First New York Federal Credit Union current CD rates include its CD - 24 month at 4.25% APY, its CD - 9 month at 4.25% APY and its CD - 12 month at 3.50% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from First New York Federal Credit Union NCUA insured?

Yes. First New York Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First New York Federal Credit Union?

The highest First New York Federal Credit Union CD rate is its CD - 24 month at 4.25% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does First New York Federal Credit Union offer?

First New York Federal Credit Union CD rates are 3.25% APY for a 6 month CD, 4.25% APY for a 9 month CD, 3.50% APY for a 12 month CD, 3.50% APY for an 18 month CD, 4.25% APY for a 2 year CD and 2.70% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with First New York Federal Credit Union for its full lineup.

What is the highest money market rate at First New York Federal Credit Union?

The highest First New York Federal Credit Union money market rate is its Money Market Premium at 0.30% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest mortgage rate at First New York Federal Credit Union?

The lowest First New York Federal Credit Union mortgage rate is its Easy Street Mortgage at 4.74% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at First New York Federal Credit Union?

The lowest First New York Federal Credit Union auto loan rate is its New Auto Loan - 2021-2027 Model Years at 3.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at First New York Federal Credit Union?

The lowest First New York Federal Credit Union personal loan rate is its Personal Loan - 12 months at 8.99% APR, verified by MonitorBankRates as of October 28, 2026. First New York Federal Credit Union personal loan rates are 8.99% APR for a 12 month personal loan, 9.24% APR for a 24 month personal loan, 9.74% APR for a 48 month personal loan and 10.24% APR for a 60 month personal loan.

How many branches does First New York Federal Credit Union operate?

First New York Federal 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 First New York Federal Credit Union?

Yes, to access services at First New York Federal 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, First New York Federal 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, First New York Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does First New York Federal Credit Union offer online and mobile banking?

Most modern institutions like First New York Federal 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.firstnewyork.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First New York Federal Credit Union rates compare?

First New York Federal Credit Union's top CD rate of 4.25% APY on a 2 year CD is 46% higher than the MonitorBankRates national average for that term, and it has an A+ health rating. First New York Federal Credit Union's top rates are its CD - 24 month at 4.25% APY, its Money Market Premium at 0.30% APY, its Easy Street Mortgage at 4.74% and its Solar Loan at 4.74% APR, verified by MonitorBankRates on October 28, 2026.

Current First New York Federal Credit Union Rates

12-Month CD0.15%
18-Month CD3.50%
24-Month CD4.25%
60-Month CD2.70%
MMA0.30%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

First New York Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First New York Federal Credit Union Texas Ratio

First New York Federal Credit Union Health Trend

First New York Federal Credit Union CD Rates

First New York Federal Credit Union Money Market Rates

First New York Federal Credit Union Mortgage Rates

First New York Federal Credit Union Home Equity & HELOC

First New York Federal Credit Union Auto Loan Rates

First New York Federal Credit Union RV, Boat and Powersport Loan Rates

First New York Federal Credit Union Personal Loan Rates

First New York Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First New York Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First New York Federal Credit Union

Does First New York Federal Credit Union offer CDs?

Are CDs from First New York Federal Credit Union NCUA insured?

What is the highest CD rate at First New York Federal Credit Union?

What CD terms does First New York Federal Credit Union offer?

What is the highest money market rate at First New York Federal Credit Union?

What is the lowest mortgage rate at First New York Federal Credit Union?

What is the lowest auto loan rate at First New York Federal Credit Union?

What is the lowest personal loan rate at First New York Federal Credit Union?

How many branches does First New York Federal Credit Union operate?

Is a member application needed to join First New York Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First New York Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First New York Federal Credit Union rates compare?

Current First New York Federal Credit Union Rates

Compare to Other Credit Unions