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First New York Federal Credit Union

iAdvertiser Disclosure

First New York Federal Credit Union Rates & Review September 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 and Verified: September 16, 2026

First New York Federal Credit Union's 15 month CD Special rates are at 3.80%. First New York Federal Credit Union's Personal Loan Rates are as low as 8.99%. First New York Federal Credit Union's Credit Card Rates are at 6.65%. 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 4.11%. Rates last updated and verified on 09/16/2026.

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

4.11%

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

First New York Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
15 month Share Certificate Special	3.80%	3.80%	15 month
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

First New York Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	4.49%	10 year
Details Term: 10 year draw, 15 year re-payment; Special Introductory Rate for 13 months; Variable rate; Special Introductory Rate as low as 4.49% for 81-90% LTV for the first 13 months then as low as prime plus 1.00% APR thereafter. All rates are based on the Prime Rate published in the Wall Street Journal. The APR will not exceed the ceiling, or highest APR of 18.00%, as of 08/31/2026 Prime Rate is 6.75%. A minimum advance of $10,000.00 is required at time of closing. Rates are based on a 25 year repayment term. This is a limited time offer and only applies to new First New York loans. All loans are subject to credit approval. Actual rate may vary. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit	-	-	4.74%	12 years
Details 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	4.99%	10 years
Details Loan to Value: 80%; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit	-	-	4.99%	10 years
Details Loan to Value: 80%; As Low As; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	5.49%	15 years
Details Loan to Value: 80%; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit	-	-	5.49%	15 years
Details Loan to Value: 80%; As Low As; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Home Equity Line of Credit - 2nd Position	-	-	5.74%	10 years
Details Loan to Value: 80%; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit	-	-	5.74%	10 years
Details Loan to Value: 80%; Existing First New York borrowers must take out an additional $10,000 of new money.; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	5.99%	10 years
Details Loan to Value: 81-90%; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	5.99%	20 years
Details Loan to Value: 80%; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Home Equity Line of Credit - 2nd Position	-	-	5.99%	15 years
Details Loan to Value: 80%; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit	-	-	5.99%	20 years
Details Loan to Value: 80%; As Low As; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit	-	-	5.99%	10 years
Details Loan to Value: 81-90%; As Low As; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit	-	-	5.99%	15 years
Details Loan to Value: 80%; Existing First New York borrowers must take out an additional $10,000 of new money.; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	6.49%	15 years
Details Loan to Value: 81-90%; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Home Equity Line of Credit - 2nd Position	-	-	6.49%	20 years
Details Loan to Value: 80%; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit	-	-	6.49%	15 years
Details Loan to Value: 81-90%; As Low As; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit	-	-	6.49%	20 years
Details Loan to Value: 80%; Existing First New York borrowers must take out an additional $10,000 of new money.; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Home Equity Line of Credit - 2nd Position	-	-	6.74%	10 years
Details Loan to Value: 81-90%; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit	-	-	6.74%	10 years
Details Loan to Value: 81-90%; Existing First New York borrowers must take out an additional $10,000 of new money.; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Home Equity Line of Credit - 1st Position	-	-	6.99%	20 years
Details Loan to Value: 81-90%; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Home Equity Line of Credit - 2nd Position	-	-	6.99%	15 years
Details Loan to Value: 81-90%; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit	-	-	6.99%	20 years
Details Loan to Value: 81-90%; As Low As; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit	-	-	6.99%	15 years
Details Loan to Value: 81-90%; Existing First New York borrowers must take out an additional $10,000 of new money.; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Home Equity Line of Credit - 2nd Position	-	-	7.49%	20 years
Details Loan to Value: 81-90%; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit	-	-	7.49%	20 years
Details Loan to Value: 81-90%; Existing First New York borrowers must take out an additional $10,000 of new money.; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

First New York Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan: 2021-2027 Model Years	-	-	3.99%	24 months
Details 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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
New Auto Loan: 2021-2027 Model Years	-	-	4.24%	36 months
Details 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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
New Auto Loan: 2021-2027 Model Years	-	-	4.24%	48 months
Details 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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
New Auto Loan: 2021-2027 Model Years	-	-	4.24%	60 months
Details 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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
New Auto Loan: 2021-2027 Model Years	-	-	4.49%	72 months
Details 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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
New Auto Loan: 2021-2027 Model Years	-	-	5.49%	84 months
Details 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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Auto Loan: 2017-2020 Model Years	-	-	5.49%	24 months
Details Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty. Vehicles prior to and including 2020: We will finance the purchase price or NADA value. The annual Percentage Rate (APR) offered is subject to change and all loans are subject to approval. A 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 or electric cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month.*Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, PLUS tax, title, registration, and warranty. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Auto Loan: 2017-2020 Model Years	-	-	5.49%	36 months
Details Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty. Vehicles prior to and including 2020: We will finance the purchase price or NADA value. The annual Percentage Rate (APR) offered is to change and all loans are subject to approval. A 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 or electric cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month.*Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, PLUS tax, title, registration, and warranty. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Auto Loan: 2017-2020 Model Years	-	-	5.74%	48 months
Details Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty. Vehicles prior to and including 2020: We will finance the purchase price or NADA value. The annual Percentage Rate (APR) offered is to change and all loans are subject to approval. A 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 or electric cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month.*Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, PLUS tax, title, registration, and warranty. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Auto Loan: 2017-2020 Model Years	-	-	5.99%	60 months
Details Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty. Vehicles prior to and including 2020: We will finance the purchase price or NADA value. The annual Percentage Rate (APR) offered is to change and all loans are subject to approval. A 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 or electric cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month.*Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, PLUS tax, title, registration, and warranty. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
New Auto Loan: 2021-2027 Model Years	-	-	6.99%	96 months**
Details 96 Month term ONLY available on NEW Automobile Model Years 2026-2027. 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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Auto Loan: 2006-2016 Model Years	-	-	6.99%	24 months
Details A 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 or electric cars. The actual rate may vary. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Auto Loan: 2006-2016 Model Years	-	-	6.99%	36 months
Details A 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 or electric cars. The actual rate may vary. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Auto Loan: 2006-2016 Model Years	-	-	8.99%	48 months
Details A 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 or electric cars. The actual rate may vary. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

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

Product	Rate	APR	Term
New Recreational Vehicle Loan Model Years 2023-2027	-	6.99%	48 months
Details 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
New Recreational Vehicle Loan Model Years 2023-2027	-	7.49%	72 months
Details 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Recreational Vehicle Loan Model Years 2019-2022	-	7.49%	48 months
Details As Low As; 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
New Recreational Vehicle Loan Model Years 2023-2027	-	7.99%	96 months
Details 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
New Recreational Vehicle Loan Model Years 2023-2027	-	8.74%	180 months
Details 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Recreational Vehicle Loan Model Years 2019-2022	-	8.74%	72 months
Details Minimum loan amount for 72 month term is $25,000. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Recreational Vehicle Loan Model Years 2019-2022	-	9.49%	96 months
Details Minimum loan amount for 96 month term is $35,000. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Recreational Vehicle Loan Model Years 2019-2022	-	9.99%	180 months
Details Minimum loan amount for 180 month term is $50,000. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

First New York Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Card - Limit	-	6.65%
Details $5,000 - $30,000; Intro/promo APR: 4.99%; Intro rate expires: 90 days; Regular APR: Prime Rate + 6.65%; The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Visa Credit Card - Limit	-	11.65%
Details $250 - $4,999; Intro/promo APR: 4.99%; Intro rate expires: 90 days; Regular APR: Prime Rate + 11.65%; The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Visa Credit Card - Secured	-	11.75%
Details Intro/promo APR: 4.99%; Intro rate expires: 90 days; Regular APR: Prime Rate + 11.75%; The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Visa Credit Card - Balance Transfers - Limit	-	13.40%
Details $5,000 - $30,000; Regular APR: Prime Rate + 6.65%; The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Visa Credit Card - Cash Advances - Limit	-	15.75%
Details $5,000 - $30,000; Regular APR: Prime Rate + 9.00%; The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Visa Credit Card - Balance Transfers - Limit	-	18.00%
Details $250 - $4,999; Regular APR: Prime Rate + 11.65%; The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Visa Credit Card - Balance Transfers - Secured	-	18.00%
Details Regular APR: Prime Rate + 11.75%; The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Visa Credit Card - Cash Advances - Limit	-	18.00%
Details $250 - $4,999; Regular APR: Prime Rate + 11.75%; The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Visa Credit Card - Cash Advances - Secured	-	18.00%
Details Regular APR: Prime Rate + 11.75%; The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

First New York Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.99%	12 months
Details Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Personal Loan	9.24%	24 months
Details Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Personal Loan	9.74%	48 months
Details Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Personal Loan	10.24%	60 months
Details Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

First New York Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Easy Drive Lease-Like Program: 2021-2027 Model Years - 24 months Loan	-	-	5.24%	24 months
Details The payments listed below are based on a 2025 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *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. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Easy Drive Lease-Like Program: 2021-2027 Model Years - 36 months Loan	-	-	5.49%	36 months
Details The payments listed below are based on a 2025 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *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. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Easy Drive Lease-Like Program: 2021-2027 Model Years - 48 months Loan	-	-	5.49%	48 months
Details The payments listed below are based on a 2025 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *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. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Easy Drive Lease-Like Program: 2021-2027 Model Years - 60 months Loan	-	-	5.49%	60 months
Details The payments listed below are based on a 2025 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *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. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Easy Drive Lease-Like Program: 2021-2027 Model Years - 72 months Loan	-	-	5.74%	72 months
Details The payments listed below are based on a 2025 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *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. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Limit Loan	-	-	13.40%
Details $5,000 - $30,000; Variable APR; For Purchases and Balance Transfers; Prime Rate + 6.65% Margin; Daily Periodic Rate: 0.03671% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Limit Loan	-	-	18.00%
Details $250 - $4,999; Variable APR; For Purchases and Balance Transfers; Prime Rate + 11.65% Margin; Daily Periodic Rate: 0.04932% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Limit Loan	-	-	15.75%
Details $5,000 - $30,000; Variable APR; Cash Advances; Prime Rate + 9.00% Margin; Daily Periodic Rate: 0.04315% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Solar Loan	-	-	4.74%	5 years
Details Annual Percentage Rate (APR) is fixed. Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. Monthly payment amount is calculated per $1,000 and is based on a 30 day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Solar Loan	-	-	4.99%	10 years
Details Annual Percentage Rate (APR) is fixed. Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. Monthly payment amount is calculated per $1,000 and is based on a 30 day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Solar Loan	-	-	5.74%	15 years
Details Annual Percentage Rate (APR) is fixed. Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. Monthly payment amount is calculated per $1,000 and is based on a 30 day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Solar Loan	-	-	5.99%	20 years
Details Annual Percentage Rate (APR) is fixed. Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. Monthly payment amount is calculated per $1,000 and is based on a 30 day month. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

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 fell from 4.76% in Q2 2023 to 4.11% in Q1 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
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+
June 30, 2023	$462M	4.76%	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 139

Part-Time Employees 13

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

4.11%

Return on Assets (ROA)

0.1138%

Return on Equity (ROE)

1.2632%

Non-Performing Loans Ratio (NPL)

0.52%

Total Assets

556,255,704

Total Amount of Shares and Deposits

504,044,537

Total Shares and Deposits < 1 Year

486,630,329

Total Shares and Deposits 1 3 Years

16,679,917

Total Shares and Deposits > 3 Years

734,291

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

9,744,388

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

9,744,388

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

494,300,149

Total Interest Expense (Sum of items 6 8)

1,296,333

Share Certificates

3,554

Number of Accounts for Share Drafts

20,607

IRA KEOGH Accounts

405

Number of Accounts for Regular Shares

41,031

All other shares

241

Money Market Shares

1,267

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)

46,789,451

Total Liabilities

511,078,937

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

First New York Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About First New York Federal Credit Union

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.