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*Annual Percentage Rate. Promotional APR is applicable for all purchases made during the promotion period beginning 11/1/2022 until 12/31/2022. After 12/31/2022 rate is based on Prime Rate, as published in the Wall Street Journal, plus a margin. APR on those purchases will remain 3.99% through June 30, 2022. Prime Rate as of 9/27/2022 is 6.25%. The APR will not exceed the ceiling, or highest APR, which is the NCUA usury rate in effect at the time. As of 08/01/2022, the NCUA usury rate was 18.00% APR. 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 card holders currently in another promotional program. For Fee information, read our Promotional Visa Credit Card Disclosure at FirstNewYork.org. **Annual Percentage Rate. Interest rate is fixed. Personal loan promotion is only valid for loans with an application date of 11/22/22. Promotional discounted rate as low as 4.99% (for those who credit qualify) with a maximum term of 24 months with an automatic payment transfer required. Member must be in good standing. Additional rates and terms available. Only one promotional personal loan per member. All loans are subject to approval and actual rate may vary. Personal loan must be at a $500 minimum and $2500 maximum, refinancing of existing First New York personal loans are available with a minimum of $500 of new funds accessed. ***Visa Gift Card fee is waived for the first 5 gift cards purchased on 11/22/22 only. Maximum of 5 gift cards per person while supplies last. Must be a First New York member to purchase. Membership can be opened the same day, as long as the $1 membership share and the gift card purchase are both made in cash. ****Drawing is valid only for First New York members. Membership can be opened the same day. Entries will be accepted at First New York branch locations until 11/22/2022. Actual drawing will take place 11/23/2022. Winner will be contacted by phone and must pick up prize within one week of notification or another winner will be chosen. Odds of winning are based on number of entries received. One snow blower, one 65” television and one $500 Visa gift card will be awarded. The winner of the first drawing will choose from the three prizes, the second will choose from the two remaining prizes and the third will win the remaining prize. All prize values will be reported as dividends. First New York employees and their families are not eligible for drawing.