What are the current interest rates at New York University Federal Credit Union?

Current rates for New York University Federal Credit Union include: 12-Month CD: 3.29%, 24-Month CD: 3.80%, 60-Month CD: 3.55%, Savings: 3.00%, MMA: 1.76%

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New York University Federal Credit Union

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New York University Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, New York University 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: October 5, 2026

New York University Federal Credit Union's top rates as of October 5, 2026 are 4.06% APY on its 1 Year IRA CD, 3.00% APY on savings, 1.76% APY on money market accounts, 3.04% APY on checking, and personal loans from 7.50% APR, according to rates verified by MonitorBankRates. Other New York University Federal Credit Union CD rates include 2 Year IRA CD at 3.80%, 24 Month High-Yield CDs at 3.80%, and 6 Month High-Yield CDs at 3.80%. MonitorBankRates evaluates the financial stability of New York University Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.49%. Rates last updated and verified on 10/05/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.49%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

New York University Federal Credit Union
Credit Union

726 Broadway Ste 110
New York, NY 10003-9616

https://www.nyufcu.com

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

New York University Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year IRA Certificate	4.00%	4.06%	1 Year
Min Balance $1,000 Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 4.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
2 Year IRA Certificate	3.75%	3.80%	2 Year
Min Balance $1,000 Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
24 Month High-Yield Share Certificates	3.75%	3.80%	24 months
Min Balance $1,000 Details APY = Annual Percentage Yield. APY is accurate as of 7/29/2026. Subject to early withdrawal penalties. Fees could reduce earnings on the account. Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
6 Month High-Yield Share Certificates	3.75%	3.80%	6 months
Min Balance $1,000 Details APY = Annual Percentage Yield. APY is accurate as of 7/29/2026. Subject to early withdrawal penalties. Fees could reduce earnings on the account. Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
3 Year IRA Certificate	3.65%	3.70%	3 Year
Min Balance $1,000 Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
36 Month High-Yield Share Certificates	3.65%	3.70%	36 months
Min Balance $1,000 Details APY = Annual Percentage Yield. APY is accurate as of 7/29/2026. Subject to early withdrawal penalties. Fees could reduce earnings on the account. Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
5 Year IRA Certificate	3.50%	3.55%	5 Year
Min Balance $1,000 Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
12 Month High-Yield Share Certificates	3.25%	3.29%	12 months
Min Balance $1,000 Details APY = Annual Percentage Yield. APY is accurate as of 7/29/2026. Subject to early withdrawal penalties. Fees could reduce earnings on the account. Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 3.29% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

New York University Federal Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings	2.96%	3.00%
Min Balance $10,000 Details APY = Annual Percentage Yield. APY is accurate as of 7/1/2026. Rates are variable and may change after account opening. Fees could reduce earnings on the account. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Regular Savings	0.25%	0.25%
Min Deposit $50 Min Balance $250 Details APY is accurate as of 5/14/2026. Rates are variable and may change after account opening. Fees could reduce earnings on the account. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

New York University Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.25%	0.25%
Min Deposit $50 Min Balance $250 Details All members of the business must be NYU affiliated. Only businesses established in New York are eligible. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

New York University Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.75%	1.76%
Min Deposit $1,000 Min Balance $0 Details Balance Range: Over $250,000. Rates are variable and may change after account opening. APY is accurate as of 5/14/2026. Fees could reduce earnings on the account. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Money Market	0.85%	0.85%
Min Deposit $1,000 Min Balance $100,000 Details Balance Range: $100,000 to $250,000. Rates are variable and may change after account opening. APY is accurate as of 5/14/2026. Fees could reduce earnings on the account. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Money Market	0.75%	0.75%
Min Deposit $1,000 Min Balance $25,000 Details Balance Range: $25,000 to $99,999.99. Rates are variable and may change after account opening. APY is accurate as of 5/14/2026. Fees could reduce earnings on the account. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $2,500 Details Balance Range: $2,500 to $24,999.99. Rates are variable and may change after account opening. APY is accurate as of 5/14/2026. Fees could reduce earnings on the account. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $1,000 Details Balance Range: $1,000 to $2,499.99. Rates are variable and may change after account opening. APY is accurate as of 5/14/2026. Fees could reduce earnings on the account. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

New York University Federal Credit Union Checking Rates

Product	Rate	APY	View More
Dividend Checking	-	3.042%
Min Deposit $50 Min Balance $1,000 Details Qualifications Required: Minimum of $500 Direct Deposit*; 10 Debit Card Transactions; 3 Bill Pay or ACH Withdrawals; APY accurate as of 5/14/2026. Fees could reduce earnings on the account. Rates are variable and may change after account opening. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

New York University Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 1st Lien	6.50%	-	6.50%	5 Years
No additional details. Last Updated 10/05/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Home Equity Loan - 1st Lien	7.25%	-	7.25%	10 Years
No additional details. Last Updated 10/05/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Home Equity Loan - 1st Lien	7.50%	-	7.50%	15 Years
No additional details. Last Updated 10/05/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Home Equity Loan - 1st Lien	7.75%	-	7.75%	20 Years
No additional details. Last Updated 10/05/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Home Equity Loan - 2nd Lien	8.00%	-	8.00%	5 Years
No additional details. Last Updated 10/05/2026 Rate History No change since Sep 18, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Home Equity Loan - 2nd Lien	8.25%	-	8.25%	10 Years
No additional details. Last Updated 10/05/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Home Equity Loan - 2nd Lien	8.50%	-	8.50%	15 Years
No additional details. Last Updated 10/05/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Home Equity Loan - 2nd Lien	8.75%	-	8.75%	20 Years
No additional details. Last Updated 10/05/2026 Rate History No change since Sep 18, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

New York University Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	3.75%	-	3.75%	Up to 48 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 3.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
New Vehicles Loan	-	-	3.75%
Details As Low As; Car model years 2026, 2025, and 2024 are considered new cars when purchased from a dealership with less than 500 miles on the odometer. We finance cars only in NY, NJ, FL, MA, MD, VA and PA. Vehicle must be registered in NY, NJ, FL, MA, MD, VA and PA. Purchase from online vehicle retailer is not permitted. An NYUFCU share account is required for auto loan account. Financing up to 100% of value available as indicated by NADA. Refinancing not available on existing NYU FCU auto loans. Refinancing must be done within 6 months of initial purchase to be considered NEW. Last Updated 10/05/2026 Rate History No change since Sep 29, 2026 · 3.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	4.00%	-	4.00%	Up to 48 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 5, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	4.50%	-	4.50%	Up to 48 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	4.75%	-	4.75%	Up to 48 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50% Oct 5, 20264.75%▲ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	4.75%	-	4.75%	49-60 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 4.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	5.00%	-	5.00%	49-60 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History 1 change since Sep 21, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75% Oct 5, 20265.00%▲ from 4.75% Sep 21, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	5.00%	-	5.00%	Up to 48 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00% Oct 5, 20265.00%▲ from 4.50% Sep 25, 20264.50%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	5.25%	-	5.25%	61-72 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 5.25% ▼ 2.50 pts · high 7.75% / low 5.25% Sep 21, 20265.25%▼ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	5.25%	-	5.25%	49-60 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	5.50%	-	5.50%	Up to 48 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	5.75%	-	5.75%	73-84 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	5.75%	-	5.75%	61-72 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 5.75% ▼ 2.00 pts · high 7.75% / low 5.75% Sep 21, 20265.75%▼ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	5.75%	-	5.75%	Up to 48 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 4.50% → 5.75% ▲ 1.25 pts · high 5.75% / low 4.50% Oct 5, 20265.75%▲ from 5.50% Sep 25, 20265.50%▼ from 5.75% Sep 21, 20265.75%▲ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	6.00%	-	6.00%	61-72 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 7.75% → 6.00% ▼ 1.75 pts · high 7.75% / low 5.75% Oct 5, 20266.00%▲ from 5.75% Sep 25, 20265.75%▼ from 6.00% Sep 21, 20266.00%▼ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	6.00%	-	6.00%	49-60 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 1 change since Sep 21, 2026 · 5.25% → 6.00% ▲ 0.75 pts · high 6.00% / low 5.25% Oct 5, 20266.00%▲ from 5.25% Sep 21, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	6.00%	-	6.00%	Up to 48 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50% Oct 5, 20266.00%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	6.00%	-	6.00%	Up to 36 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	6.25%	-	6.25%	73-84 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	6.25%	-	6.25%	49-60 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 2 changes since Sep 21, 2026 · 7.00% → 6.25% ▼ 0.75 pts · high 7.00% / low 6.25% Oct 5, 20266.25%▼ from 6.75% Sep 25, 20266.75%▼ from 7.00% Sep 21, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	6.50%	-	6.50%	73-84 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History 2 changes since Sep 21, 2026 · 6.50% → 6.50% ▼ 0.00 pts · high 6.50% / low 6.25% Oct 5, 20266.50%▲ from 6.25% Sep 25, 20266.25%▼ from 6.50% Sep 21, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	6.50%	-	6.50%	61-72 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 7.75% → 6.50% ▼ 1.25 pts · high 7.75% / low 5.75% Oct 5, 20266.50%▲ from 5.75% Sep 21, 20265.75%▼ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	6.75%	-	6.75%	61-72 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 7.75% → 6.75% ▼ 1.00 pts · high 7.75% / low 5.75% Oct 5, 20266.75%▲ from 5.75% Sep 21, 20265.75%▼ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	6.75%	-	6.75%	Up to 48 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 5.50% → 6.75% ▲ 1.25 pts · high 7.25% / low 5.50% Oct 5, 20266.75%▼ from 7.25% Sep 25, 20267.25%▲ from 7.00% Sep 21, 20267.00%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	6.75%	-	6.75%	49-60 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	7.00%	-	7.00%	73-84 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 1 change since Sep 21, 2026 · 6.25% → 7.00% ▲ 0.75 pts · high 7.00% / low 6.25% Oct 5, 20267.00%▲ from 6.25% Sep 21, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	7.00%	-	7.00%	49-60 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 2 changes since Sep 21, 2026 · 7.00% → 7.00% ▼ 0.00 pts · high 7.00% / low 6.75% Oct 5, 20267.00%▲ from 6.75% Sep 25, 20266.75%▼ from 7.00% Sep 21, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	7.00%	-	7.00%	Up to 48 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 5.50% → 7.00% ▲ 1.50 pts · high 7.25% / low 5.50% Oct 5, 20267.00%▼ from 7.25% Sep 25, 20267.25%▲ from 7.00% Sep 21, 20267.00%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	7.00%	-	7.00%	37-48 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	7.25%	-	7.25%	49-60 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History 1 change since Sep 21, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75% Oct 5, 20267.25%▲ from 6.75% Sep 21, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	7.25%	-	7.25%	Up to 48 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 7.25% ▲ 1.75 pts · high 7.25% / low 5.50% Sep 21, 20267.25%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	7.50%	-	7.50%	49-60 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History 1 change since Sep 21, 2026 · 6.75% → 7.50% ▲ 0.75 pts · high 7.50% / low 6.75% Oct 5, 20267.50%▲ from 6.75% Sep 21, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	7.50%	-	7.50%	61-72 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 7.75% → 7.50% ▼ 0.25 pts · high 7.75% / low 7.50% Oct 5, 20267.50%▼ from 7.75% Sep 25, 20267.75%▲ from 7.50% Sep 21, 20267.50%▼ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	7.75%	-	7.75%	61-72 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	8.00%	-	8.00%	Up to 48 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 5.50% → 8.00% ▲ 2.50 pts · high 8.00% / low 5.50% Oct 5, 20268.00%▲ from 7.25% Sep 21, 20267.25%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	8.00%	-	8.00%	49-60 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History 2 changes since Sep 21, 2026 · 8.00% → 8.00% ▼ 0.00 pts · high 8.25% / low 8.00% Oct 5, 20268.00%▼ from 8.25% Sep 25, 20268.25%▲ from 8.00% Sep 21, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	8.00%	-	8.00%	Up to 36 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	8.25%	-	8.25%	61-72 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.25% ▲ 0.50 pts · high 8.25% / low 7.75% Oct 5, 20268.25%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	8.25%	-	8.25%	49-60 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	8.50%	-	8.50%	61-72 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.50% ▲ 0.75 pts · high 8.50% / low 7.75% Oct 5, 20268.50%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	8.75%	-	8.75%	73-84 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	8.75%	-	8.75%	Up to 48 months
Details Credit Score: 550-599; Credit Tier: D Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 8.75% ▲ 3.25 pts · high 8.75% / low 5.50% Sep 21, 20268.75%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	9.00%	-	9.00%	49-60 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History 1 change since Sep 21, 2026 · 8.25% → 9.00% ▲ 0.75 pts · high 9.00% / low 8.25% Oct 5, 20269.00%▲ from 8.25% Sep 21, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	9.00%	-	9.00%	61-72 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 8.50% → 9.00% ▲ 0.50 pts · high 9.25% / low 8.50% Oct 5, 20269.00%▼ from 9.25% Sep 25, 20269.25%▲ from 9.00% Sep 21, 20269.00%▲ from 8.50% Sep 14, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	9.00%	-	9.00%	37-48 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	9.00%	-	9.00%	Up to 36 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	9.25%	-	9.25%	Up to 48 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 5.50% → 9.25% ▲ 3.75 pts · high 9.25% / low 5.50% Oct 5, 20269.25%▲ from 8.75% Sep 25, 20268.75%▼ from 9.25% Sep 21, 20269.25%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	9.25%	-	9.25%	61-72 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 8.50% → 9.25% ▲ 0.75 pts · high 9.25% / low 8.50% Sep 21, 20269.25%▲ from 8.50% Sep 14, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	9.50%	-	9.50%	73-84 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History 1 change since Sep 21, 2026 · 8.75% → 9.50% ▲ 0.75 pts · high 9.50% / low 8.75% Oct 5, 20269.50%▲ from 8.75% Sep 21, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	9.50%	-	9.50%	Up to 48 months
Details Credit Score: 550-599; Credit Tier: D Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 5.50% → 9.50% ▲ 4.00 pts · high 9.50% / low 5.50% Oct 5, 20269.50%▲ from 8.75% Sep 21, 20268.75%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	10.00%	-	10.00%	61-72 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 8.50% → 10.00% ▲ 1.50 pts · high 10.00% / low 8.50% Oct 5, 202610.00%▲ from 9.25% Sep 21, 20269.25%▲ from 8.50% Sep 14, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	10.00%	-	10.00%	Up to 48 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 5.50% → 10.00% ▲ 4.50 pts · high 10.00% / low 5.50% Oct 5, 202610.00%▲ from 8.75% Sep 25, 20268.75%▼ from 9.25% Sep 21, 20269.25%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	10.00%	-	10.00%	49-60 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 2 changes since Sep 21, 2026 · 7.00% → 10.00% ▲ 3.00 pts · high 10.00% / low 7.00% Oct 5, 202610.00%▲ from 8.25% Sep 25, 20268.25%▲ from 7.00% Sep 21, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	10.00%	-	10.00%	37-48 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 10.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	10.00%	-	10.00%	Up to 36 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 10.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	10.25%	-	10.25%	49-60 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History 1 change since Sep 21, 2026 · 8.25% → 10.25% ▲ 2.00 pts · high 10.25% / low 8.25% Oct 5, 202610.25%▲ from 8.25% Sep 21, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	10.25%	-	10.25%	Up to 48 months
Details Credit Score: 550-599; Credit Tier: D Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 5.50% → 10.25% ▲ 4.75 pts · high 10.25% / low 5.50% Oct 5, 202610.25%▲ from 8.75% Sep 21, 20268.75%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	11.00%	-	11.00%	49-60 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History 1 change since Sep 21, 2026 · 8.25% → 11.00% ▲ 2.75 pts · high 11.00% / low 8.25% Oct 5, 202611.00%▲ from 8.25% Sep 21, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	11.00%	-	11.00%	Up to 48 months
Details Credit Score: 550-599; Credit Tier: D Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 5.50% → 11.00% ▲ 5.50 pts · high 11.00% / low 5.50% Oct 5, 202611.00%▲ from 8.75% Sep 21, 20268.75%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Auto Loan	11.00%	-	11.00%	Up to 36 months
Details Credit Score: 550-599; Credit Tier: D Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 11.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

New York University Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.50%	Up to 36 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History No change since Sep 17, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	8.00%	60 months
Details Limited-Time Offer Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	8.50%	37-48 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History No change since Sep 17, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	9.00%	Up to 36 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History No change since Sep 17, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	9.50%	49-60 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 18.00% → 9.50% ▼ 8.50 pts · high 18.00% / low 9.50% Sep 17, 20269.50%▼ from 18.00% Sep 14, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	10.00%	37-48 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History No change since Sep 17, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	10.00%	Up to 36 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History No change since Sep 17, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	11.00%	37-48 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History No change since Sep 17, 2026 · 11.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	11.00%	Up to 36 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History No change since Sep 17, 2026 · 11.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	11.50%	49-60 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 18.00% → 11.50% ▼ 6.50 pts · high 18.00% / low 11.50% Sep 17, 202611.50%▼ from 18.00% Sep 14, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	12.00%	37-48 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History No change since Sep 17, 2026 · 12.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	12.00%	Up to 36 Months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 3 changes since Sep 17, 2026 · 9.00% → 12.00% ▲ 3.00 pts · high 12.00% / low 9.00% Oct 5, 202612.00%▲ from 11.00% Sep 25, 202611.00%▼ from 12.00% Sep 21, 202612.00%▲ from 9.00% Sep 17, 20269.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	12.50%	49-60 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 18.00% → 12.50% ▼ 5.50 pts · high 18.00% / low 12.50% Sep 17, 202612.50%▼ from 18.00% Sep 14, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	13.00%	Up to 36 months
Details Credit Score: 520-599; Credit Tier: D Last Updated 10/05/2026 Rate History No change since Sep 17, 2026 · 13.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	13.00%	49-60 months
Details Credit Score: 760+; Credit Tier: A+ Last Updated 10/05/2026 Rate History 4 changes since Sep 14, 2026 · 18.00% → 13.00% ▼ 5.00 pts · high 18.00% / low 9.50% Oct 5, 202613.00%▲ from 12.50% Sep 25, 202612.50%▼ from 13.00% Sep 21, 202613.00%▲ from 9.50% Sep 17, 20269.50%▼ from 18.00% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	13.00%	37-48 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 3 changes since Sep 17, 2026 · 10.00% → 13.00% ▲ 3.00 pts · high 13.00% / low 10.00% Oct 5, 202613.00%▲ from 12.00% Sep 25, 202612.00%▼ from 13.00% Sep 21, 202613.00%▲ from 10.00% Sep 17, 202610.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	13.50%	49-60 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 18.00% → 13.50% ▼ 4.50 pts · high 18.00% / low 13.50% Sep 17, 202613.50%▼ from 18.00% Sep 14, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	14.00%	37-48 months
Details Credit Score: 520-599; Credit Tier: D Last Updated 10/05/2026 Rate History No change since Sep 17, 2026 · 14.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	14.00%	49-60 months
Details Credit Score: 700-759; Credit Tier: A Last Updated 10/05/2026 Rate History 4 changes since Sep 14, 2026 · 18.00% → 14.00% ▼ 4.00 pts · high 18.00% / low 11.50% Oct 5, 202614.00%▲ from 13.50% Sep 25, 202613.50%▼ from 14.00% Sep 21, 202614.00%▲ from 11.50% Sep 17, 202611.50%▼ from 18.00% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	15.00%	49-60 months
Details Credit Score: 650-699; Credit Tier: B Last Updated 10/05/2026 Rate History 4 changes since Sep 14, 2026 · 18.00% → 15.00% ▼ 3.00 pts · high 18.00% / low 12.50% Oct 5, 202615.00%▼ from 15.50% Sep 25, 202615.50%▲ from 15.00% Sep 21, 202615.00%▲ from 12.50% Sep 17, 202612.50%▼ from 18.00% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	15.00%	Up to 36 Months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History 2 changes since Sep 17, 2026 · 11.00% → 15.00% ▲ 4.00 pts · high 15.00% / low 11.00% Oct 5, 202615.00%▲ from 13.00% Sep 25, 202613.00%▲ from 11.00% Sep 17, 202611.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	15.50%	49-60 months
Details Credit Score: 520-599; Credit Tier: D Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 18.00% → 15.50% ▼ 2.50 pts · high 18.00% / low 15.50% Sep 17, 202615.50%▼ from 18.00% Sep 14, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	16.00%	37-48 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History 2 changes since Sep 17, 2026 · 12.00% → 16.00% ▲ 4.00 pts · high 16.00% / low 12.00% Oct 5, 202616.00%▲ from 14.00% Sep 25, 202614.00%▲ from 12.00% Sep 17, 202612.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	16.00%	Up to 36 Months
Details Credit Score: 520-599; Credit Tier: D Last Updated 10/05/2026 Rate History 1 change since Sep 17, 2026 · 13.00% → 16.00% ▲ 3.00 pts · high 16.00% / low 13.00% Oct 5, 202616.00%▲ from 13.00% Sep 17, 202613.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	17.00%	49-60 months
Details Credit Score: 600-649; Credit Tier: C Last Updated 10/05/2026 Rate History 4 changes since Sep 14, 2026 · 18.00% → 17.00% ▼ 1.00 pts · high 18.00% / low 13.50% Oct 5, 202617.00%▲ from 15.50% Sep 25, 202615.50%▼ from 17.00% Sep 21, 202617.00%▲ from 13.50% Sep 17, 202613.50%▼ from 18.00% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	17.00%	37-48 months
Details Credit Score: 520-599; Credit Tier: D Last Updated 10/05/2026 Rate History 1 change since Sep 17, 2026 · 14.00% → 17.00% ▲ 3.00 pts · high 17.00% / low 14.00% Oct 5, 202617.00%▲ from 14.00% Sep 17, 202614.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Personal Loan	18.00%	49-60 months
Details Credit Score: 520-599; Credit Tier: D Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 18.00% → 18.00% ▼ 0.00 pts · high 18.00% / low 15.50% Oct 5, 202618.00%▲ from 15.50% Sep 17, 202615.50%▼ from 18.00% Sep 14, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

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

New York University Federal Credit Union’s Texas Ratio stayed near 3.66% in Q3 2023 to 3.49% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

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

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$78M	3.49%	5.0	A+
March 31, 2026	$76M	3.86%	5.0	A+
December 31, 2025	$73M	3.27%	5.0	A+
September 30, 2025	$73M	3.17%	5.0	A+
June 30, 2025	$72M	3.20%	5.0	A+
March 31, 2025	$73M	1.32%	5.0	A+
December 31, 2024	$71M	1.52%	5.0	A+
September 30, 2024	$72M	2.40%	5.0	A+
June 30, 2024	$74M	1.50%	5.0	A+
March 31, 2024	$73M	2.27%	5.0	A+
December 31, 2023	$71M	3.03%	5.0	A+
September 30, 2023	$72M	3.66%	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 New York University 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 New York University 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 New York University Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name New York University Federal Credit Union

Website https://www.nyufcu.com

Address 726 Broadway Ste 110, New York, NY 10003-9616

Phone 212-995-3171

Fax 212-995-4582

President Richard Vogel

CEO Mira Ness

Full-Time Employees 15

Part-Time Employees 0

Branch Locations 2

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.49%

Return on Assets (ROA)

0.4670%

Return on Equity (ROE)

2.5125%

Non-Performing Loans Ratio (NPL)

1.02%

Total Assets

77,650,894

Total Amount of Shares and Deposits

62,461,860

Total Shares and Deposits < 1 Year

58,461,028

Total Shares and Deposits 1 3 Years

3,989,536

Total Shares and Deposits > 3 Years

11,296

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

1,058,384

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

1,058,384

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

61,403,476

Total Interest Expense (Sum of items 6 8)

358,089

Share Certificates

533

Number of Accounts for Share Drafts

3,962

IRA KEOGH Accounts

Number of Accounts for Regular Shares

9,619

Non Member Deposits

Money Market Shares

131

Net Income (unless the amount is already included in Undivided Earnings)

198,694

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)

5,414,766

Total Liabilities

63,229,530

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

New York University Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About New York University Federal Credit Union

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

New York University 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 New York University Federal Credit Union?

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

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

Most modern institutions like New York University 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.nyufcu.com.

Current New York University Federal Credit Union Rates

12-Month CD3.29%
24-Month CD3.80%
60-Month CD3.55%
Savings3.00%
MMA1.76%

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

Compare to Other Credit Unions

New York University Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

New York University Federal Credit Union Texas Ratio

New York University Federal Credit Union Health Trend

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

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