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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!
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Credit Cards

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

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

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

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

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

Hear What Our Members Are Saying!

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.

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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.

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.

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.

Building Bonds in the Capital Region

A Look into First New York’s Reach in the Community
8

First New York Branches

3

Standalone Drive Through ITM Kiosks

30000

ATM/ITMs through the CO-OP network

5600

Branches through the CO-OP network