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: 0.25%, 24-Month CD: 0.35%, 60-Month CD: 0.70%, Savings: 0.10%, MMA: 0.10%

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First New York Federal Credit Union

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First New York Federal Credit Union Rates & Review April 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

First New York Federal Credit Union's 15 month CDs & IRAs rates are at 3.80%, 15 month CDs and IRAs rates are at 3.80%, 25 month CDs & IRAs rates are at 3.80%, 25 month CDs and IRAs rates are at 3.80%, 9 month CDs & IRAs rates are at 3.75%. First New York Federal Credit Union's savings rates are at 0.10%. First New York Federal Credit Union's money market rates are at 0.10%. First New York Federal Credit Union's Personal Loan Rates are at 8.99%. 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 5.90%. Rates were last updated on 04/17/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.90%

Excellent Lower than avg

First New York Federal Credit Union
Wall St Location

2 Wall St
Albany, NY 12205 3845

https://www.firstnewyork.org

First New York Federal Credit Union CD Rates

Product	Rate	APY	Term
15 month Share Certificates & IRAs	3.74%	3.80%	15 month
Min Deposit $2,500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
15 month Share Certificates and IRAs	3.74%	3.80%	15
Min Balance $2,500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
25 month Share Certificates & IRAs	3.74%	3.80%	25 month
Min Deposit $2,500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
25 month Share Certificates and IRAs	3.74%	3.80%	25
Min Balance $2,500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
9 month Share Certificates & IRAs	3.69%	3.75%	9 month
Min Deposit $2,500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
9 month Share Certificates and IRAs	3.69%	3.75%	9
Min Balance $2,500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
3 month Share Certificates & IRAs	3.20%	3.25%	3 month
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
3 month Share Certificates and IRAs	3.20%	3.25%	3
No additional details. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
6 month Share Certificates & IRAs	3.20%	3.25%	6 month
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
6 month Share Certificates and IRAs	3.20%	3.25%	6
No additional details. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
60 month Share Certificates & IRAs	0.70%	0.70%	60 month
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
60 month Share Certificates and IRAs	0.70%	0.70%	60
Min Balance $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
48 month Share Certificates & IRAs	0.60%	0.60%	48 month
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
48 month Share Certificates and IRAs	0.60%	0.60%	48
Min Balance $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
36 month Share Certificates & IRAs	0.50%	0.50%	36 month
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
36 month Share Certificates and IRAs	0.50%	0.50%	36
Min Balance $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
30 month Share Certificates & IRAs	0.40%	0.40%	30 month
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
30 month Share Certificates and IRAs	0.40%	0.40%	30
Min Balance $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
24 month Share Certificates & IRAs	0.35%	0.35%	24 month
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
24 month Share Certificates and IRAs	0.35%	0.35%	24
Min Balance $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
18 month Share Certificates & IRAs	0.25%	0.25%	18 month
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
18 month Share Certificates and IRAs	0.25%	0.25%	18
Min Balance $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
12 month Share Certificates & IRAs	0.15%	0.15%	12 month
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
12 month Share Certificates and IRAs	0.15%	0.15%	12
Min Balance $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
12 month Lucky Savers Share Certificate	0.15%	0.15%	12 month
Details Prize period runs from October 1, 2025 until September 30, 2026. Business and trust accounts, as well as employee accounts from any participating institution, are not eligible to win prizes. An initial deposit of $25 is required to open and additional deposits can be made throughout the term. The initial deposit and all subsequent deposits mature 12 months after the date that the initial deposit was made. A penalty for early withdrawal may apply. The APY is subject to change without notice. Rates set weekly. Dividends compounded monthly. Official rules at www.savetowin.org. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%

First New York Federal Credit Union Savings Rates

Product	Rate	APY
Primary Share Savings	0.10%	0.10%
Min Deposit $1 Details Minimum balance of $1 on Primary Share Savings only. Fees may reduce earnings. Rates set monthly. Dividends compounded monthly. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Share Savings	0.10%	0.10%
Min Balance $1 Details Minimum balance of $1 on Primary Share Savings only. Fees may reduce earnings. Rates set monthly. Dividends compounded monthly. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%

First New York Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Premium	0.30%	0.30%
Min Balance $150,000 Details Dividends compounded monthly. No minimum to open. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Money Market Premium	0.25%	0.25%
Min Balance $75,000 Details Dividends compounded monthly. No minimum to open. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Money Market	0.20%	0.20%
Min Balance $50,000 Details Dividends are compounded monthly. No minimum to open. $2,500 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Money Market	0.15%	0.15%
Min Balance $25,000 Details Dividends are compounded monthly. No minimum to open. $2,500 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Money Market	0.10%	0.10%
Min Balance $10,000 Details Dividends are compounded monthly. No minimum to open. $2,500 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%

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; *Must be a primary residence and first lien only. This offer is good for refinance only. Existing First New York real estate loans are eligible with $10,000 of new money. Loan-to-value (LTV) must be 50% or less to receive the listed APR. Actual rates may vary and rates are subject to change without notice. Other rates and terms are available. $50,000 minimum. Flood and /or property hazard insurance may be required. Upon title search results, title insurance may be required and is paid by the borrower. Closing costs including the New York State Mortgage Tax paid by First New York on behalf of the borrower. No closing costs offer is valid during the promotional period only. Reimbursement of fees will be added to the payoff amount of the loan if the home equity line of credit is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%

First New York Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Variable Rate Home Equity Line of Credit	-	-	1.99%
Details As Low As; Intro rate expires: 13 months; Regular APR: Prime +0.00% Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Variable Rate Home Equity Line of Credit	-	-	2.99%
Details As Low As; Intro rate expires: 13 months; Regular APR: Prime +1.00% Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	4.99%	10 years
Details As Low As; Annual Percentage Rate. 5-year draw period. The actual rate may vary. All loans are subject to credit approval. Existing First New York borrowers must take out an additional $10,000 of new money. Title insurance may be required. The minimum loan amount is $10,000. New York State Mortgage Tax is required and paid by the borrower. A minimum advance of $10,000.00 is required at time of closing. The remaining closing costs paid by First New York on behalf of the borrower will be charged back and added to the loan's payoff if the home equity line of credit (HELOC) is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	5.49%	15 years
Details As Low As; Annual Percentage Rate. 5-year draw period. The actual rate may vary. All loans are subject to credit approval. Existing First New York borrowers must take out an additional $10,000 of new money. Title insurance may be required. The minimum loan amount is $10,000. New York State Mortgage Tax is required and paid by the borrower. A minimum advance of $10,000.00 is required at time of closing. The remaining closing costs paid by First New York on behalf of the borrower will be charged back and added to the loan's payoff if the home equity line of credit (HELOC) is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Fixed Rate Home Equity Line of Credit - 2nd Position	-	-	5.74%	10 years
Details As Low As; Annual Percentage Rate. 5-year draw period. The actual rate may vary. All loans are subject to credit approval. Existing First New York borrowers must take out an additional $10,000 of new money. Title insurance may be required. The minimum loan amount is $10,000. New York State Mortgage Tax is required and paid by the borrower. A minimum advance of $10,000.00 is required at time of closing. The remaining closing costs paid by First New York on behalf of the borrower will be charged back and added to the loan's payoff if the home equity line of credit (HELOC) is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	5.99%	20 years
Details As Low As; Annual Percentage Rate. 5-year draw period. The actual rate may vary. All loans are subject to credit approval. Existing First New York borrowers must take out an additional $10,000 of new money. Title insurance may be required. The minimum loan amount is $10,000. New York State Mortgage Tax is required and paid by the borrower. A minimum advance of $10,000.00 is required at time of closing. The remaining closing costs paid by First New York on behalf of the borrower will be charged back and added to the loan's payoff if the home equity line of credit (HELOC) is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Fixed Rate Home Equity Line of Credit - 2nd Position	-	-	5.99%	15 years
Details As Low As; Annual Percentage Rate. 5-year draw period. The actual rate may vary. All loans are subject to credit approval. Existing First New York borrowers must take out an additional $10,000 of new money. Title insurance may be required. The minimum loan amount is $10,000. New York State Mortgage Tax is required and paid by the borrower. A minimum advance of $10,000.00 is required at time of closing. The remaining closing costs paid by First New York on behalf of the borrower will be charged back and added to the loan's payoff if the home equity line of credit (HELOC) is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	6.49%	15 years
Details As Low As; Annual Percentage Rate. 5-year draw period. The actual rate may vary. All loans are subject to credit approval. Existing First New York borrowers must take out an additional $10,000 of new money. Title insurance may be required. The minimum loan amount is $10,000. New York State Mortgage Tax is required and paid by the borrower. A minimum advance of $10,000.00 is required at time of closing. The remaining closing costs paid by First New York on behalf of the borrower will be charged back and added to the loan's payoff if the home equity line of credit (HELOC) is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Fixed Rate Home Equity Line of Credit - 2nd Position	-	-	6.49%	20 years
Details As Low As; Annual Percentage Rate. 5-year draw period. The actual rate may vary. All loans are subject to credit approval. Existing First New York borrowers must take out an additional $10,000 of new money. Title insurance may be required. The minimum loan amount is $10,000. New York State Mortgage Tax is required and paid by the borrower. A minimum advance of $10,000.00 is required at time of closing. The remaining closing costs paid by First New York on behalf of the borrower will be charged back and added to the loan's payoff if the home equity line of credit (HELOC) is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Fixed Rate Home Equity Line of Credit - 2nd Position	-	-	6.74%	10 years
Details As Low As; Annual Percentage Rate. 5-year draw period. The actual rate may vary. All loans are subject to credit approval. Existing First New York borrowers must take out an additional $10,000 of new money. Title insurance may be required. The minimum loan amount is $10,000. New York State Mortgage Tax is required and paid by the borrower. A minimum advance of $10,000.00 is required at time of closing. The remaining closing costs paid by First New York on behalf of the borrower will be charged back and added to the loan's payoff if the home equity line of credit (HELOC) is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	6.99%	20 years
Details As Low As; Annual Percentage Rate. 5-year draw period. The actual rate may vary. All loans are subject to credit approval. Existing First New York borrowers must take out an additional $10,000 of new money. Title insurance may be required. The minimum loan amount is $10,000. New York State Mortgage Tax is required and paid by the borrower. A minimum advance of $10,000.00 is required at time of closing. The remaining closing costs paid by First New York on behalf of the borrower will be charged back and added to the loan's payoff if the home equity line of credit (HELOC) is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Fixed Rate Home Equity Line of Credit - 2nd Position	-	-	6.99%	15 years
Details As Low As; Annual Percentage Rate. 5-year draw period. The actual rate may vary. All loans are subject to credit approval. Existing First New York borrowers must take out an additional $10,000 of new money. Title insurance may be required. The minimum loan amount is $10,000. New York State Mortgage Tax is required and paid by the borrower. A minimum advance of $10,000.00 is required at time of closing. The remaining closing costs paid by First New York on behalf of the borrower will be charged back and added to the loan's payoff if the home equity line of credit (HELOC) is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Fixed Rate Home Equity Line of Credit - 2nd Position	-	-	7.49%	20 years
Details As Low As; Annual Percentage Rate. 5-year draw period. The actual rate may vary. All loans are subject to credit approval. Existing First New York borrowers must take out an additional $10,000 of new money. Title insurance may be required. The minimum loan amount is $10,000. New York State Mortgage Tax is required and paid by the borrower. A minimum advance of $10,000.00 is required at time of closing. The remaining closing costs paid by First New York on behalf of the borrower will be charged back and added to the loan's payoff if the home equity line of credit (HELOC) is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%

First New York Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	3.99%	24 months
Details As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
New Auto Loan	-	-	4.24%	36 months
Details As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
New Auto Loan	-	-	4.49%	72 months
Details As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Auto Loan	-	-	5.24%	24
Details As Low As; *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Auto Loan	-	-	5.49%	36
Details As Low As; *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
New Auto Loan	-	-	5.49%	84 months
Details As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Used Auto Loan	-	-	5.49%	24
Details As Low As Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Auto Loan	-	-	5.74%	72
Details As Low As; *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Used Auto Loan	-	-	5.74%	48
Details As Low As Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Used Auto Loan	-	-	5.99%	60
Details As Low As Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Auto Loan	-	-	6.99%	48
Details As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
New Auto Loan	-	-	6.99%	96 months
Details As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary. **96 Month term ONLY available on NEW Automobile Model Years 2026-2027. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Used Auto Loan	-	-	6.99%	24
No additional details. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Auto Loan	-	-	7.49%	72
Details As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Auto Loan	-	-	7.99%	96
Details As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Auto Loan	-	-	8.74%	180
Details As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Used Auto Loan	-	-	8.99%	48
No additional details. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Auto Loan	-	-	9.49%	96
Details As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 90% of the NADA value or purchase price, whichever is lower. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Auto Loan	-	-	9.99%	180
Details As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 90% of the NADA value or purchase price, whichever is lower. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%

First New York Federal Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loan	-	8.99%
Details As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Personal Loan	-	9.24%
Details As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Personal Loan	-	9.74%
Details As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Personal Loan	-	10.24%
Details As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%

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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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 Lucy Halstead

Full-Time Employees 131

Part-Time Employees 13

Branch Locations 8

ATM Locations 10

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.90%

Return on Assets (ROA)

0.6277%

Return on Equity (ROE)

6.4842%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

504,456,473

Total Amount of Shares and Deposits

452,740,169

Total Shares and Deposits < 1 Year

434,867,521

Total Shares and Deposits 1 3 Years

17,302,108

Total Shares and Deposits > 3 Years

570,540

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

10,299,617

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

10,299,617

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

442,440,552

Total Interest Expense (Sum of items 6 8)

3,369,878

Share Certificates

2,846

Number of Accounts for Share Drafts

20,433

IRA KEOGH Accounts

428

Number of Accounts for Regular Shares

40,770

All other shares

234

Money Market Shares

1,288

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

11,060,440

Total Liabilities

461,111,573

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About First New York Federal Credit Union

Is First New York Federal Credit Union a safe place to deposit money?

Yes, First New York Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.9047311866619%, 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 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.