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Earn 2X Points on Purchases until December 31st!

Earn 2X Points on Purchases until December 31st!

With a First New York Visa®, you can double your ScoreCard Rewards points when purchasing from select retailers during the holiday season.*

Apply for a First New York Visa®Sign Up for ScoreCard Rewards
Don’t Fall for It! Spotting and Avoiding Sweepstakes Scams.

Don’t Fall for It! Spotting and Avoiding Sweepstakes Scams.

Learn about the latest Publisher's Clearing House Scam and how to avoid the traps.

How to Protect Yourself
Toilet Paper Drive

Toilet Paper Drive

First New York branches are now accepting toilet paper donations to benefit Catholic Charities. Help us beat our last year's record of 13,598 rolls!

Find a Location
2026 Scholarship Program

2026 Scholarship Program

We are accepting applications for the First New York Scholarship Program! Four Graduates will receive $2,500 each.

Submit Your Application
/ 4 / 4

Share Certificate Special
9 month

4.20%

New Auto Loan APR
as low as

3.99%

Visa® Credit Card
Promotional APR

4.99%

Home Equity Loan APR
as low as

1.99%

See All Rates

Join First New York

As a not-for-profit credit union, we exist for one reason: To serve the financial needs of our members. Since our founding in 1937 as Schenectady Teachers FCU, we’ve made them our priority, and that will never change.

But don’t take our word for it. Just ask our members, who have voted First New York the Best Credit Union three years running.

Questions? Text Us!
Become a Member Today

Exclusive Products

Auto Loans

Shop First New York’s new and used auto loans or auto refinancing today!
Learn More

Credit Cards

First New York Visa® Credit Cards come with exclusive features that help you bank smarter.
Learn More

Home Equity

Our smart home improvement line of credit is a great alternative to larger financial institutions’ high-interest, non-tax-deductible loans.
Learn More

Mortgages

Whether you are a first time home buyer, or looking to refinance the home you are in, we can help!
Learn More

Personal Loans

Its flexible repayment terms and low rates can help you finance vacations, holiday expenses, a wedding, and whatever else you desire.
Learn More

Solar Loans

The process is simple: we’ll work with your solar supplier of choice and condense all the costs into one solar loan.
Learn More

Latest Posts

Where Members Always Come First

Explore All The Extra Services First New York Has To Offers!

Financial Wellness Check

Much like a regular medical exam, a Financial Wellness Check ensures your financial health is on track. Our Financial Wellness Check equips you with practical advice to help you build a more secure financial future. Sign Up

KIDS Banking

First New York’s KIDS Banking program makes it easy for kids and teens to start banking. All you need is $2* to open a KIDS Savings account for your minor. Once enrolled, your minor will have access to exclusive KIDS Banking events and contests. Learn More

Safety First

In today’s world, understanding how to protect yourself from scammers is essential. Explore our Safety First blog posts to learn more about the diverse tactics scammers use and effective ways to safeguard against fraud. Learn More

Always Nearby

First New York Federal Credit Union provides best-in-class lending, banking, and investment services in New York’s Albany, Schenectady, Rensselaer, Saratoga, and Schoharie County. Find a Location

Credit Union of Choice, 4 Years Running

Hear What Our Members Are Saying!

  • It was an excellent experience, informative and quick with all questions answered in a friendly manner. I can't think of anything that would need improvement!

    Anonymous Member from a Loan Survey

  • Excellent experience. There's a reason I've been with First New York FCU for decades, and this experience is a reason for certain.

    Anonymous Member from a Loan Survey

  • I cannot say enough positive things about FNY. I had a car loan through them that I recently paid off, and the process was so smooth, from the initial paperwork to the final payoff of the loan. The rates were the lowest in the area, the online portal was extremely easy to use and secure, and there were no issues that arose from paying off the loan early. Should I ever need another auto loan, I'd definitely go through them again.

    Kate A.

  • There was quick responses to my questions over the phone and by email. And I LOVE my interest rate! Thank you so much!

    Anonymous Member from a Loan Survey

  • Everything went very smoothly from start to finish! I appreciate everything, and it's a pleasure doing business with FNY! The people are great!

    Anonymous Member from a Loan Survey

  • I am so grateful I came to the Albany Branch and worked with Dan! I did not think I would be able to get a loan, but Dan worked with me to get options and an approval. He was professional, thorough, and kind. Thank you Dan!

    Anonymous Member from a Loan Survey

  • One of the best experiences I've ever had applying for a loan.

    Anonymous Member from a Loan Survey

  • What an easy and simple process to refinance not one, but two loans. Everyone I dealt with was so kind, polite, and helpful as well as super responsive. I feel like I could ask the First New York team anything and they would know the answer. They helped me every step of the way. Thank you!

    Anonymous Member from a Loan Survey

First New York won Gazette's Best of the Best contest as Best Credit Union in 2024
First New York won Gazette's Best of the Best contest as Best Credit Union in 2023
First New York won Gazette's Best of the Best contest as Best Credit Union in 2022
My First New York mobile app

Manage Your Money Anywhere

Real-Time Time Tracking

Control your card and oversee your accounts anytime.

Immediate Access

Manager your finances from any device.

Deposit Any Time

Take a photo to deposit checks into your account.

Quick Search

Enter your city or zip code to get your closest branch or ATM location.

ApplAppStore
GoogePlay

Banking All in One Place

Come for Great Rates. Stay for Great Service.

Checking For All Needs

Transaction accounts, also known as checking accounts, safeguard your spending. Earn dividends on your account and insure your money. There are no hidden fees. You can access your account 24/7/365 through our online and mobile app.

Learn More About Transaction Accounts

Smart Saving Starts Here

When you bank with First New York, you get the credit union products, services, and rates you love with a dedicated team, working to help you reach your financial goals. Become a member by opening a First New York savings account.

Learn More About Saving Accounts

Digital Banking, Your Way

My First New York is your free digital banking platform. You have access to our free mobile banking app. Bank from your Apple, Android, or Kindle device at any time. Add your First New York Visa® Credit & Debit Card to your digital wallet.

Learn More About Digital Banking Options

Building Bonds in the Capital Region

A Look into First New York’s Reach in the Community
*Terms and Conditions – Special promotion event dates 10/1/2025 – 12/31/2025. Promotion scoring for this event is strictly limited to the following merchant category codes: Online Retailers (5262), Wholesale Clubs (5300), Discount Stores (5310), Miscellaneous General Merchandise Stores (5399), Men’s & Boys Clothing & Accessories Stores (5611), Women’s Ready to Wear Stores (5621), Women’s Accessory & Specialty Stores (5631), Children’s & Infants Wear Stores (5641), Family Clothing Stores (5651), Sports Apparel, & Riding Apparel Stores (5655), Shoe Stores (5661), Men’s & Women’s Clothing Stores (5691), Accessory & Apparel Stores – Misc. (5699), Electronic Sales (5732), Large Digital Goods Merchant (5818), Bookstores (5942), Game, Toy & Hobby Shops (5945). Bonus scoring limited to first $5,000 in eligible category spend during promotion period, any additional spend after limit has been reached will be scored as normal per your program’s terms and conditions. Any transactions that are not categorized under one of specified promotion codes will be scored as normal per your program’s terms and conditions. Please allow for up to two billing cycles for any bonus points accrued during the event to reach your rewards account. If you have any questions regarding your ScoreCard rewards account or point balance, contact ScoreCard Rewards Customer Service at 1-800-854-0790 or reach out to your issuing financial institution.
8

First New York Branches

3

Standalone Drive Through ITM Kiosks

30000

ATM/ITMs through the CO-OP network

5550

Branches through the CO-OP network

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