# First New York Federal Credit Union > The Credit Union of Choice! --- ## Pages - [Member Referral](https://firstnewyork.org/member-referral/): Invite your friends, family, or coworkers to join First New York and enjoy the benefits you already love. For every... - [Invest](https://firstnewyork.org/invest/): The First New York Retirement & Investment Services program is a financial management program designed to help you organize your... - [Test Locations iFrame](https://firstnewyork.org/?page_id=17435) - [RingCentral](https://firstnewyork.org/ringcentral/): Exhibit 1 – End User Guidelines Eligibility shall be determined by senior management based on position level or job necessity.... - [Voice ID](https://firstnewyork.org/voice-id/): Introducing Voice ID! Like a fingerprint, your voice is unique to you. With our newest technology, powered through Illuma, our... - [Accessibility Statement](https://firstnewyork.org/accessibility-statement/): 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- [Patriot Branch](https://firstnewyork.org/patriot-branch/): Patriot Branch Schenectady High School Our Patriot Branch is run by student volunteers on Tuesdays and Fridays during B and... - [Site Map](https://firstnewyork.org/site-map/): JTVCc2l0ZW1hcCUyMGFsbCUzRCUyMnRydWUlMjIlNUQ= - [Calculators](https://firstnewyork.org/calculators/): [vc_custom_heading text=”Assessments... - [ITM Kiosk Rotterdam](https://firstnewyork.org/branches-kiosks/itm-kiosk-rotterdam/): 1708 Altamont Avenue, Rotterdam, NY 12303 First New York’s three Drive-Thru ITM Kiosks have advanced transaction capabilities, allowing you to... - [ITM Kiosk Ballston Spa](https://firstnewyork.org/branches-kiosks/itm-kiosk-ballston-spa/): 444 Geyser Road, Ballston Spa, NY 12020 First New York’s three Drive-Thru ITM Kiosks have advanced transaction capabilities, allowing you... - [ITM Kiosk Colonie](https://firstnewyork.org/branches-kiosks/itm-kiosk-colonie/): 2 Wall Street, Albany, NY 12205 First New York’s three Drive-Thru ITM Kiosks have advanced transaction capabilities, allowing you to... - [First New York Retirement & Investment Services](https://firstnewyork.org/branches-kiosks/retirement-investment-services/): 2 Wall Street, Ste 1, Albany NY 12205 518-881-1141 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 • No Cost or Obligation Consultations* • Retirement Planning •... - [North Greenbush](https://firstnewyork.org/branches-kiosks/north-greenbush/): 31 Jordan Road, North Greenbush, NY 12180 518-640-9334 Messiah Mortimore Messiah. Mortimore@firstnewyork. org 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 • Open New Accounts • Complete... - [Halfmoon Branch](https://firstnewyork.org/branches-kiosks/halfmoon-branch/): 1533 Route 9, Halfmoon, NY 12065-5614 518-640-9333 Laura Kolakoski Laura. Kolakoski@firstnewyork. org 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 • Full Banking Services • Drive Up... - [Saratoga Branch](https://firstnewyork.org/branches-kiosks/saratoga-branch/): 424 Maple Ave, Saratoga Springs, NY 12866-5506 518-584-5343 Tina Bianco Tina. Bianco@firstnewyork. org 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 • Full Banking Services • FNY... - [Rotterdam Branch](https://firstnewyork.org/branches-kiosks/rotterdam-branch/): New Location is Open! As of Monday, June 30th, our Rotterdam Branch is now at 3085 Carman Road. 3085 Carman... - [Glenville Branch](https://firstnewyork.org/branches-kiosks/glenville-branch/): 19 Glenridge Road, Glenville, NY 12302-4500 518-384-1572 Sherry Grindel Sherry. Grindel@firstnewyork. org JTNDaWZyYW1lJTIwc3JjJTNEJTIyaHR0cHMlM0ElMkYlMkZ3d3cuZ29vZ2xlLmNvbSUyRm1hcHMlMkZlbWJlZCUzRnBiJTNEJTIxMW0xOCUyMTFtMTIlMjExbTMlMjExZDI5MjQuMTkzNDAxNjgxMzEzNCUyMTJkLTczLjkyOTQ1OTgyNTE3MDIzJTIxM2Q0Mi44Njg3NjE5MDI4MTM3MTYlMjEybTMlMjExZjAlMjEyZjAlMjEzZjAlMjEzbTIlMjExaTEwMjQlMjEyaTc2OCUyMTRmMTMuMSUyMTNtMyUyMTFtMiUyMTFzMHg4OWRlNmMxYWRmYTI2NjkzJTI1M0EweDQzNmU1ZmMyMTFkY2JkYjYlMjEyc0ZpcnN0JTI1MjBOZXclMjUyMFlvcmslMjUyMEZlZGVyYWwlMjUyMENyZWRpdCUyNTIwVW5pb24lMjE1ZTAlMjEzbTIlMjExc2VuJTIxMnN1cyUyMTR2MTY4MzA1NzI0Nzc1NCUyMTVtMiUyMTFzZW4lMjEyc3VzJTIyJTIwc3R5bGUlM0QlMjJib3JkZXIlM0EwJTNCJTIyJTIwYWxsb3dmdWxsc2NyZWVuJTNEJTIyJTIyJTIwbG9hZGluZyUzRCUyMmxhenklMjIlMjByZWZlcnJlcnBvbGljeSUzRCUyMm5vLXJlZmVycmVyLXdoZW4tZG93bmdyYWRlJTIyJTIwd2lkdGglM0QlMjIxMDAlMjUlMjIlMjBoZWlnaHQlM0QlMjI0NTAlMjIlM0UlM0MlMkZpZnJhbWUlM0U= • Full Banking Services • FNY Express... - [Cobleskill Branch](https://firstnewyork.org/branches-kiosks/cobleskill-branch/): 795 East Main St, Ste 1, Cobleskill, NY 12043-1263 518-234-2583 Julie Soard Julia. Soard@firstnewyork. org 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 • Full Banking Services... - [Albany Branch](https://firstnewyork.org/branches-kiosks/albany-branch/): 818 Central Avenue, Albany, NY 12206-1549 518-435-0051 Messiah Mortimore Messiah. Mortimore@firstnewyork. org 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 • Full Banking Services • 24 Hours... - [Photo Release Form](https://firstnewyork.org/photo-release-form/): First New York Photo Release - [KIDS Banking Volunteer](https://firstnewyork.org/kids-banking-volunteer/): KIDS Banking Volunteer Spotlight Credit Unions have a motto of “People Helping People”. In that spirit, we would love to... - [Submit Your Auto Loan Picture](https://firstnewyork.org/submit-your-auto-loan-picture/): We Want to See Your New Car! Thank you for financing your new car with First New York! Send us... - [Submit Your Children's Report Cards!](https://firstnewyork.org/submit-your-childrens-report-cards/): Submit Your Children’s Report Cards! To recognize their dedication and effort, KIDS Banking members in grades Kindergarten through 8th grade... - [Financial Wellness Check Form](https://firstnewyork.org/financial-wellness-check-form/): Unlock Financial Wellness with a Financial Wellness Check Take charge of your financial future with a Financial Wellness Check from... - [Available Postions](https://firstnewyork.org/careers/available-positions/): Questions? Reach out to our Recruiter, Trent Taylor! Branches Assistant Branch Manager at the Rotterdam Branch Rate of pay $25.... - [Niskayuna Branch](https://firstnewyork.org/branches-kiosks/niskayuna-branch/): 1776 Union Street, Niskayuna, NY 12309-6316 518-393-1325 Michelle Dragon Michelle. Dragon@firstnewyork. org 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 • Full Banking Services • FNY Express... - [Mobile Account Deletion](https://firstnewyork.org/mobile-account-deletion/): The Google Play Store and Apple Store have implemented a requirement for First New York Federal Credit Union to provide... - [Branches & Kiosks](https://firstnewyork.org/branches-kiosks/): First New York Federal Credit Union provides best-in-class lending, banking, and investment services in New York’s Albany, Schenectady, Rensselaer, Saratoga,... - [CO-OP Shared Branches](https://firstnewyork.org/co-op-shared-branches/): When you bank with First New York, you unlock a network of CO-OP shared branches. You have access to over... - [Checking](https://firstnewyork.org/checking/): • Free Visa® Debit Card • Earn dividends* • No minimum deposit needed to open • No monthly minimum balance... - [Auto Protection](https://firstnewyork.org/protect/auto-protection/): With our additional auto coverage options, you can drive confidently knowing First New York has your back. Whether you need... - [Terms & Conditions](https://firstnewyork.org/terms-conditions/): Printed copies of account agreements, rate addendums, and disclosures can be obtained by calling Member Services at (518) 393-1326, option... - [Member Appreciation Days](https://firstnewyork.org/member-appreciation-days/): Visit us at one of our eight branch locations throughout the year for free food, drink, entertainment, and prize giveaways.... - [Shred Days](https://firstnewyork.org/shred-days/): First New York understands the importance of your personal privacy. When it comes to keeping your sensitive information safe, First... - [Member Benefits](https://firstnewyork.org/member-benefits/): Receive exclusive benefits, discounts and access to trainings at reduced prices, just for being a First New York member! Community... - [Financial Wellness Check](https://firstnewyork.org/financial-wellness-check/): Much like a regular medical exam, a Financial Wellness Check ensures your financial health is on track. Our Financial Wellness... - [Safety First](https://firstnewyork.org/safety-first/): In today’s world, understanding how to protect yourself from scammers is essential. Explore our Safety First blog posts to learn... - [Personal Loans](https://firstnewyork.org/personal-loans/): • Receive a 1% interest rate discount on personal loans closed at our North Greenbush Branch from August 1st through... - [Solar Loans](https://firstnewyork.org/solar/): • Low, fixed-interest rates • Terms up to 20 years • Zero down payment • No application fee • No... - [Recreational Vehicle Loans](https://firstnewyork.org/rv/): • Finance recreational vehicles such as campers, Jet Skis, snowmobiles, boats, and trailers • New & used recreational vehicle (RV)... - [Commercial Loans](https://firstnewyork.org/commercial/): Whether you’re seeking a business loan, equipment financing, or a commercial mortgage, our commercial loans are designed to fit your... - [Mortgages](https://firstnewyork.org/mortgages/): We are here to make your home ownership dreams come true with competitive rates and mortgages that fit your life.... - [Home Equity Lines of Credit](https://firstnewyork.org/home-equity/): • Pay no closing costs† • Pay no NYS mortgage tax† • Borrow up to 90% of your home’s value... - [Credit Cards](https://firstnewyork.org/credit-cards/): • 4. 99% Promotional Rate* • 25,000 ScoreCard Bonus Points** • No annual fee • 25-day interest-free grace period on... - [Auto Loans](https://firstnewyork.org/auto/): • Receive a 1% Interest rate discount on auto/motorcycle loans closed at our North Greenbush branch from August 1st through... - [KIDS Banking](https://firstnewyork.org/kids-banking/): • $2 to join* • E-Z Access Visa® Debit Card program • Exclusive contests, giveaways, and prize parties • Additional... - [My First New York](https://firstnewyork.org/my-first-new-york/): [vc_row_inner... - [Savings](https://firstnewyork.org/savings/): • $1 minimum balance • Earn dividends† • No monthly service charges • Unlimited depositing with withdrawing of funds •... - [Blog](https://firstnewyork.org/blog/) - [Protect](https://firstnewyork.org/protect/): Protect what matters most! As a First New York member, you have access to a variety of options to protect... - [Become a Member](https://firstnewyork.org/join/): As a not-for-profit credit union, we exist for one reason: To serve the financial needs of our members. Since our... - [Privacy Policy](https://firstnewyork.org/privacy-policy/): Facts: What does First New York Federal Credit Union do with your personal information? Why? Financial companies choose how they... - [Who We Are](https://firstnewyork.org/who-we-are/): As your local capital region credit union, it’s our job to make you our top priority. We’re not like typical... - [First New York Federal Credit Union](https://firstnewyork.org/): Share Certificate Special 15 month New Auto Loan APR as low as Visa® Credit Card Promotional APR Home Equity Loan... - [Rates](https://firstnewyork.org/rates/): JTVCdGFibGUlMjBpZCUzRDEwJTIwJTJGJTVE[vc_row_inner row_type=”row” type=”grid” text_align=”left”... - [Help](https://firstnewyork.org/help/): Our new and improved digital banking platform has officially launched! For more information about our My First New York online... - [Careers](https://firstnewyork.org/careers/): Careers Your Career with First New York Starts Here! Take the next step in your career with us here at... - [Contact Us](https://firstnewyork.org/contact/): If you have questions, comments, or concerns, First New York is here to assist! Our Contact Center can help you... --- ## Posts - [North Greenbush Exclusive Loan Specials](https://firstnewyork.org/north-greenbush-exclusive-loan-specials/): How cool would it be to have your child treated like a Millionaire for a Day? Enter today! - [Millionaire For a Day Contest](https://firstnewyork.org/millionaire/): How cool would it be to have your child treated like a Millionaire for a Day? Enter today! - [It's Your Money: July-Sept 2025 Newsletter](https://firstnewyork.org/its-your-money-july-sept-2025-newsletter/): Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions... - [New Location For Our Rotterdam Branch!](https://firstnewyork.org/rotterdam-move/): Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions... - [It's Your Money: April-June 2025 Newsletter](https://firstnewyork.org/its-your-money-april-june-2025-newsletter/): Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions... - [2025 Scholarship Program](https://firstnewyork.org/2025-scholarship-program/): Scholarship Program will return in 2026! Stay tuned for more information coming in the fall. Congratulations to Our 2025 Scholarship... - [Ultimate Guide to Setting Up Electronic Bank Statements](https://firstnewyork.org/e-statements-go-paperless-with-online-bank-statements/): E-Statements are the new way to bank faster, smarter, and environmentally friendly. Learn how to enroll using First OnLine and... - [What is a Digital Wallet: Your Setup Guide](https://firstnewyork.org/what-is-a-digital-wallet-your-setup-guide/): Propel your banking into the future with a safer and faster payment method: Digital Wallet. Learn what it is and... - [Electronic Bank Statements 101: What is an E-Statement?](https://firstnewyork.org/electronic-bank-statements-101-what-is-an-e-statement/): Electronic bank statements (e-statements) are gaining more popularity every year. Learn how they can help you bank faster and more... - [It's Your Money: January/February 2025 Newsletter](https://firstnewyork.org/its-your-money-january-february-2025-newsletter/): Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions... - [New Location for First New York in Rotterdam](https://firstnewyork.org/new-location-for-first-new-york-in-rotterdam/): Rotterdam, NY – First New York Federal Credit Union is excited to announce the relocation of its Rotterdam branch to... - [First New York and Catholic Charities Tri-County Services Announce 2024 Toilet Paper Take Down](https://firstnewyork.org/2024-toilet-paper-takedown/): ALBANY, NY – On Wednesday, December 11, 2024, First New York Federal Credit Union will present Catholic Charities Tri-County Services... - [First New York Community Room](https://firstnewyork.org/first-new-york-community-room/): The First New York Community Room provides a space for community programs, events and meetings. - [First New York Scholarship Program Now Accepting Applications](https://firstnewyork.org/2025-scholarship-press-release/): For Immediate Release Albany, NY – The First New York Federal Credit Union Scholarship Program is now accepting applications from... - [Music Eras Poll](https://firstnewyork.org/music-eras-poll/) - [It's Your Money: September/October 2024 Newsletter](https://firstnewyork.org/its-your-money-september-october-2024-newsletter-2/): Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions... - [Safety First: Misleading Mail](https://firstnewyork.org/safety-first-misleading-mail/): We often hear about email and phone scams, but what about traditional mail scams? Mail fraud remains a serious crime... - [It's Your Money: September/October 2024 Newsletter](https://firstnewyork.org/its-your-money-september-october-2024-newsletter/): Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions... - [Check Out Our New Visa® Card Designs](https://firstnewyork.org/new-visa-card-designs/): We’re thrilled to announce the launch of TEN brand new Visa® card designs! These exclusive designs are available only at our... - [Pet Calendar Giveaway](https://firstnewyork.org/pet-calendar-giveaway/): Our Pet Calendar Giveaway is back! This year you have three chances to win. We will be giving away two... - [Safety First: Selfie Spoofing](https://firstnewyork.org/selfie-spoofing/): As technology evolves, so do the tactics fraudsters use to scam potential victims. One of the latest scams gaining traction... - [It's Your Money: July/August 2024 Newsletter](https://firstnewyork.org/its-your-money-july-august-2024-newsletter/): Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions... - [6 Ways to Start Your Financial Plan](https://firstnewyork.org/6-ways-to-start-your-financial-plan/): Do you have a financial plan that will help you send your kids to college, take the tripsyou’ve dreamed about,... - [Fixed Rate vs. Variable Rate](https://firstnewyork.org/fixed-rate-vs-variable-rate/): Navigating the loan process can feel intimidating, and ensuring that you lock in a loan rate that aligns best with... - [It's Your Money: May/June 2024 Newsletter](https://firstnewyork.org/its-your-money-may-june-2024-newsletter/): Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions... - [Safety First: Grandparent Financial Scams](https://firstnewyork.org/safety-first-grandparent-financial-scams/): Scammers are continuously devising new methods to target potential victims. Recently, there has been a surge in Grandparent Scams. In... - [First New York Announces Merger with Mohawk Progressive FCU](https://firstnewyork.org/first-new-york-announces-merger-with-mohawk-progressive-fcu/): First New York Federal Credit Union announced today that it will merge with Mohawk Progressive Federal Credit Union, based in... - [New Features for Mobile Check Deposit on the Mobile App](https://firstnewyork.org/new-features-for-remote-deposit-capture-on-the-mobile-app/): March 27th UPDATE: This feature requires updating your app to version 2024. 01. 00. 1. Check if your app is... - [Safety First: Avoiding a Scam](https://firstnewyork.org/avoiding-a-scam/): In today’s digital world, it is crucial to recognize the warning signs of a scam and the ways to avoid... - [It's Your Money: March/April 2024 Newsletter](https://firstnewyork.org/its-your-money-march-april-2024-newsletter/): Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions... - [Updated Look Coming to Mobile and Online Banking](https://firstnewyork.org/updated-look-coming-to-mobile-and-online-banking/): First New York is happy to announce that First Online and our Mobile app are getting an upgrade! Starting on... - [Safety First: What is Multi-Factor Authentication (MFA)?](https://firstnewyork.org/safety-first-what-is-multi-factor-authentication-mfa/): Multi-Factor Authentication (sometimes called MFA), is a powerful way to keep your accounts secure. Think of it like an extra... - [Safety First: What is Phishing?](https://firstnewyork.org/what-is-phishing/): Phishing occurs when a scammer sends emails or text messages impersonating another person or company to try to steal your... - [It's Your Money: January/February 2024 Newsletter](https://firstnewyork.org/its-your-money-january-february-2024-newsletter/): Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions... - [Safety First: Gift Card Scams](https://firstnewyork.org/gift-card-scams/): Gift card scams are on the rise, and are even more popular during the holiday season. First things first –... - [It's Your Money: November/December 2023 Newsletter](https://firstnewyork.org/its-your-money-november-december-2023-newsletter/): Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions... - [Happy World Financial Planning Day!](https://firstnewyork.org/happy-world-financial-planning-day/): Happy World Financial Planning Day! 🎉 World Financial Planning Day – celebrated on October 4 this year – raises awareness... - [Safety First: Protect Yourself Against Fraud](https://firstnewyork.org/digital-security/): First New York members and families get free Family Online Digital Security Training! Use our KnowBe4 platform to get learning! - [It's Your Money: August 2023 Newsletter](https://firstnewyork.org/its-your-money-august-2023-newsletter/): Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions... - [Security Training: KnowBe4](https://firstnewyork.org/knowbe4-security-training/): First New York members and families get free Family Online Digital Security Training! Use our KnowBe4 platform to get learning! - [Text Banking: Essential Commands](https://firstnewyork.org/text-banking-commands/): Learn the essential commands to use First New York's text banking. Get started by sending a text message to 454-545. - [How to Read a Bank Statement](https://firstnewyork.org/how-to-read-a-bank-statement/): Knowing how to read a bank statement is the first step to tracking your finances. Learn how in our KIDS... - [9 Benefits of Mobile Banking](https://firstnewyork.org/9-benefits-of-mobile-banking/): Here are the top 9 benefits of mobile banking. Learn what they are and why you should make the switch... - [7 Benefits of Online Banking](https://firstnewyork.org/7-benefits-of-online-banking/): Online banking is transforming the way you manage your finances. Learn the top seven benefits of online banking and make... - [6 E-Statement Benefits You'll Want to Know](https://firstnewyork.org/6-e-statement-benefits-youll-want-to-know/): If you’re thinking about making the switch to electronic bank statements, learn these six e-statement benefits. Read more. - [It's Your Money: March & April 2023 Newsletter](https://firstnewyork.org/its-your-money-march-april-2023-newsletter/): Your latest issue of "It's Your Money" has arrived. Read our March & April 2023 issue to learn about our... - [Your 2023 Financial Calendar: Your Quick Cheat Sheet](https://firstnewyork.org/your-2023-financial-calendar-your-quick-cheat-sheet/): Download our quick cheat sheet that covers our article, "Your 2023 Financial Calendar: How to Plan Now. " Go now! - [Fixed Annuities: Your Quick Checklist Infographic](https://firstnewyork.org/fixed-annuities-your-quick-checklist-infographic/): Download our Fixed Annuities Quick Checklist Infographic today! You may be eligible for this unique product. - [How Do Annuities Work: Your 101 Guide](https://firstnewyork.org/how-do-annuities-work-your-101-guide/): Do you know what annuities are and how they work? If you’re in your 40-50s, you need to know the... - [Fixed Annuities Q&A Infographic](https://firstnewyork.org/fixed-annuities-qa-infographic/): Learn the three main Q&A's surrounding fixed annuities. Download our Fixed Annuities Q&A Infographic today! - [Fixed Annuities: Your Q&A with Don Dorr](https://firstnewyork.org/fixed-annuities-your-qa-with-don-dorr/): Fixed annuities guaranteed rates are at a record high. In this Q&A, Don Dorr explains why you should look at... - [Your 2023 Financial Calendar: How to Plan Now](https://firstnewyork.org/your-2023-financial-calendar-how-to-plan-now/): Plan your investments using our 2023 financial calendar. We’ll walk you through key months to start investing and managing your... - [What is Easy Drive: Your Car Buying Solution](https://firstnewyork.org/what-is-easy-drive-your-car-buying-solution/): Car buying shouldn’t be hard. First New York’s Erika Carroll explains why you should look in Easy Drive and its... - [What is Gap Insurance: Do I Need It?](https://firstnewyork.org/gap-insurance/): If you purchase a new car, you may want gap insurance. First New York’s Erika Carroll breaks down what it... - [First New York Opens The Spartan Branch!](https://firstnewyork.org/the-spartan-branch/): On January 27, 2023, First New York and Burnt Hills-Ballston Lake High School officially opened their Spartan Branch. Read more! - [Financial Literacy for High School Students: Credit Score](https://firstnewyork.org/financial-literacy-for-high-school-students/): Credit score is overlooked in financial literacy for high school students. Learn the essential things you need to know about... - [Feel Good Moments: January 2023 Round-Up](https://firstnewyork.org/feel-good-moments-january-2023-round-up/): Every day, First New York assists members through their financial journey. Here’s our January 2023 Round Up of our top... - [Getting to Know Us: First New York Q&A](https://firstnewyork.org/getting-to-know-us-first-new-york-fcu/): Have you ever wondered who you’re talking to at your First New York FCU Branch or Contact Center? Get to... - [Safety First: Romance Scams](https://firstnewyork.org/romance-scam/): Experts warn you to look out for romance scams around Valentine’s Day. First New York’s Michelle Maneri explains how to... - [Safety First: Your 7-Step Game Plan against Account Compromises](https://firstnewyork.org/7-step-game-plan-against-account-compromises/): It’s always critical to have a game plan. First New York’s Michelle Maneri walks us through a 7-step game plan... - [Account Compromise: 3 Common Scenarios](https://firstnewyork.org/account-compromise/): Having your account compromised can be an overwhelming experience. Learn 3 common scenarios and how you can protect yourself from... - [Love Your Car But Hate Your Payment?](https://firstnewyork.org/love-your-car-but-hate-your-payment/): When you love your car, but hate your car payment, it's time to refinance your auto loan. Watch our video... - [How Does Identity Theft Happen: 4 Common Scenarios](https://firstnewyork.org/how-does-identity-theft-happen/): How does identity theft happen? You can learn the four most common identity theft scenarios and learn how to prevent... - [Identity Theft vs. Account Compromise: What’s the Difference](https://firstnewyork.org/identity-theft/): What’s the difference between identity theft and account compromise? First New York’s Michelle Maneri explains what it is & the... - [Top 5 Benefits of Lease Buyouts](https://firstnewyork.org/top-5-benefits-of-lease-buyouts/): Are you near the end of your lease term? Learn the top five benefits of lease buyouts and why you... - [Extended Warranties: Why Choose First New York](https://firstnewyork.org/extended-warranties-why-choose-first-new-york/): First New York’s extended warranties can give you an additional layer of protection for your new and used vehicle. Read... - [How to Protect Seniors from Scams: Your 5 Step Guide](https://firstnewyork.org/how-to-protect-seniors-from-scams/): Every year, elder fraud gets harder to identify. With the number of scams rising, learn the 5 steps on how... - [5 Most Common Elder Financial Scams](https://firstnewyork.org/5-most-common-elder-financial-scams/): Financial scams are costly, widespread, and on the rise. Here, are the five most common elder financial scams to be... - [Four Steps to Becoming a First New York E-Member](https://firstnewyork.org/four-steps-to-becoming-a-first-new-york-e-member/): Get extra exclusive perks when you use specific First New York services! Learn how to become eligible as a First... - [It's Your Money: January & February 2023](https://firstnewyork.org/its-your-money-january-february-2023/): It's Your Money: January & February 2023 issue is now available! Read about our latest offerings and programs today! - [Fuel-Up Home Heating Loan: New Product Launch!](https://firstnewyork.org/fuel-up-home-heating-loan/): With home heating price increases, we're introducing our new Fuel-Up Home Heating Loan. Read how it can help you save... - [Spring Poll](https://firstnewyork.org/spring-poll/) - [Giving Tuesday 2022: The Season of Giving Twice](https://firstnewyork.org/giving-tuesday-2022-donate-today/): From November 29 - December 31, you can donate to three local charities for Giving Tuesday. Help First New York... - [Identity Protection: First New York IDProtect](https://firstnewyork.org/idprotect-first-new-york/): First New York takes your identity protection seriously. That’s why we are offer IDProtect Identity Theft Program. Enroll today! - [Visa® Purchase Alerts: First New York Setup Guide](https://firstnewyork.org/visa-purchase-alerts/): Your First New York Visa® credit or debit card allows you to receive Visa Purchase Alerts for your purchases. Set... - [Q&A: What is Payment Protection Insurance?](https://firstnewyork.org/payment-protection/): We can’t always predict the unexpected. Read Erika Carroll's Q&A to find out if payment protection is right for you. - [2022 Turkey Tuesday Specials: November 22 Only!](https://firstnewyork.org/2022-turkey-tuesday/): Don’t miss our 2022 Turkey Tuesday offers! Discover promotions on credit cards, Visa® gift cards, personal loans & a Big... - [It's Your Money: November and December 2022 Edition](https://firstnewyork.org/its-your-money-november-and-december-2022-edition/): Check out our latest "It's Your Money" November and December 2022 issue! Find our exclusive Turkey Tuesday promotion and content... - [Giving Tuesday Matching Campaign](https://firstnewyork.org/giving-tuesday-matching-campaign/): From November 29 - December 31, 2022, or until our $20,000 in matching funds are gone, we want to donate... - [First New York Wins Five 2022 Daily Gazette People's Choice Awards](https://firstnewyork.org/2022-daily-gazette-peoples-choice-awards/): First New York FCU placed first in 5 categories: Best Credit Union & Bank, Best Place to Work, Best Mortgage... - [Visa® Debit & Credit Card Controls: Your FNY How-To Guide](https://firstnewyork.org/fny-visa-debit-credit-card-controls-guide/): Get notified of purchases in real time with our new card controls. Learn the 11 steps to set up your... - [2022 Schenectady City School District New Teacher Orientation](https://firstnewyork.org/schenectady-city-school-district-new-teacher-orientation/): On August 29, 2022, Schenectady City School District (SCSD) welcomed more than 135 new educators at Key Hall at Proctors.... - [Cybercrime is on the Rise: 3 Ways to Protect Yourself](https://firstnewyork.org/cybercrime/): Did you know: 105 million Americans experience cybercrime each year, impacting 41% of the population. Learn 3 ways to protect... - [Ready to Purchase a New Commercial Property? ](https://firstnewyork.org/commercial-real-estate-property/): Ready to Purchase a New Commercial Property or Refinance Your Current Real Estate Loan? Learn how we can help. - [Why Should You Refinance Your Mortgage?](https://firstnewyork.org/why-should-you-refinance-your-mortgage/): Why you should refinance your mortgage? Here, are the three main reasons why you consider refinancing to save time and... - [Money Hacks: Make Most of Your Money Now](https://firstnewyork.org/money-hacks-make-most-of-your-money-now/): It's always the right time to start new financial habits that help you save more money overtime. Learn the three... - [It's Your Money: July & August 2022](https://firstnewyork.org/its-your-money-july-august-2022/): Read our latest credit union news and events in our July and August "It's Your Money" issue. Learn about RVs,... - [Head Out on the Highway With a New or Pre-Owned RV!](https://firstnewyork.org/recreational-vehicle-head-out-on-the-highway/): If you’re thinking of road-tripping your summer getaway, think recreational vehicles. Learn the 3 benefits to owning a new or... - [Money Hacks: Ways to Spend Less this Summer](https://firstnewyork.org/money-hacks-ways-to-spend-less-this-summer/): Summer can trigger overspending. Here, are three ways you can cut down on travel and vacation costs. Read more. - [First New York’s 2022 $1,000 Scholarship Winners](https://firstnewyork.org/first-new-york-scholarship-winners-2022/): We’re excited to announce the four winners of this year’s $1,000 First New York scholarship. Read more about our 2022... - [5 Uses for a Home Equity Line Of Credit](https://firstnewyork.org/5-uses-for-a-home-equity-line-of-credit/): A home equity line of credit can help home owners access the equity in their home. Here, are the 5... - [VISA Credit Cards: Your 101 Guide](https://firstnewyork.org/visa-credit-cards-your-101-guide/): When you get a credit card through a credit union, you get access to low-interest rates & additional perks. Learn... - [First New York Community Room Is Now Open!](https://firstnewyork.org/first-new-york-community-room-now-open/): Available seven days a week from 7:30 a. m. to 9:00 p. m. , you can enjoy our state-of-the-art meeting... - [It's Your Money: May & June 2022](https://firstnewyork.org/its-your-money-may-june-2022/): Did you know? You can refinance your home and car to save on your current loans. Read our latest "it's... - [Auto Loans & Auto Financing 101: Your How-To Guide](https://firstnewyork.org/auto-loans-auto-financing-101-your-how-to-guide/): You deserve the best auto loan and auto financing available. Get started learning how you can get the car you... - [QR Code FAQS](https://firstnewyork.org/qr-codes/): In this article, we answer your basic QR code FAQs. Get ready to learn more about the new technology making... --- # # Detailed Content ## Pages Invite your friends, family, or coworkers to join First New York and enjoy the benefits you already love. For every new member you refer who joins, you’ll receive a special reward as a thank-you for helping grow our community. It’s a win-win: Your friends get access to trusted financial services, and you're rewarded for being an awesome advocate. Start referring today and share the love! Submit a Referral! Refer a New Member$25 for You and Your Referral for your outstanding support and dedication to First New York. *Open a Checking Account$25 for You and Your Referral for opening up a new checking account with an activated Visa® Debit Card. **Review and Refinance$25 for You and Your Referral to meet with us to see if we can save you money on an existing loan from another financial institution. ***JTA5JTVCd3Bmb3JtcyUyMGlkJTNEJTIyMTc3NTQlMjIlNUQlMEElMDk= *$25 New Member Referral incentive will be deposited into your account and new member’s account 30 days after new member’s account opening. Offer ends September 30, 2025. **$25 incentive for new All Access checking account with activated Visa® debit card will be deposited into All Access checking account 30 days after account opening. This offer is valid only for new primary All Access checking accounts. ***This offer is good for individuals who have at least one non-First New York loan with a balance. It may not be combined with other offers. Existing First new York loans are not eligible. One credit report review per member every six months. All incentives will be... --- The First New York Retirement & Investment Services program is a financial management program designed to help you organize your financial affairs and plan for the future. Members are able to use the First New York Retirement & Investment Services program at no cost or obligation for consultations. Check the background of investment professionals associated with this site on FINRA’s BrokerCheck. Call UsLearn MoreVisit Cetera's Client PortalJTVCdGFibGUlMjBpZCUzRDQyJTIwJTJGJTVE (518) 393-1326 ext. 1301 don. dorr@ceterais. com (518) 393-1326 ext. 1302 kara. coffin@ceterais. com Become a MemberJoin First New York to experience the credit union difference! Join NowContact UsCall 518-881-1141 to contact Retirement & Investment Services. Call NowAbout UsLearn more about our Retirement & Investment Services professionals. Learn MoreFind UsVisit us at our office at First New York headquarters. Find Now First New York Retirement & Investment Services is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency. This site is published for residents of the United States only. Financial Professionals of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the... --- Exhibit 1 – End User Guidelines Eligibility shall be determined by senior management based on position level or job necessity. The IT department will maintain a list of approved users to be reviewed with senior management annually. Approved Devices Only CU owned equipment on approved platforms shall be used when connecting to CU data services and for purposes of e-mail, file access, calendaring, messaging, etc. The IT department will maintain a list of approved platforms to be reviewed annually. Other approved devices may be utilized for voice communication only. All approved devices shall be subject to the following usage policies: • Lost or Stolen Devices – Lost or stolen devices are to be reported immediately to senior management and to the IT department. • Personal Use – Employees may use the device for personal communications subject to all other provisions within this policy including the section titled: No Expectation of Privacy • Encryption – All data “in flight” and “at rest” shall be encrypted at the “strongest” level permitted on the approved platforms. The credit union will require all devices to employ full encryption • Required Apps – The credit union will require specific applications in order to comply with usage policies, protect the equipment (i. e. security suites) or enable document formats on the device. Required apps will be distributed via a central management system. Specific app configurations may be defined and published. It will be the user’s responsibility to set and ensure configurations as defined. • Encryption –... --- Introducing Voice ID! Like a fingerprint, your voice is unique to you. With our newest technology, powered through Illuma, our Contact Center can confirm your identity using your voice, instead of the traditional security questions. It’s an added layer of security and saves you time on every call! The next time you call our Contact Center, we’ll ask for your permission to capture a voiceprint. Our system will then analyze your unique voice characteristics during the call and securely store them. This way, on future calls, you can skip the security questions, making the process faster, easier, and enhancing the security of your accounts. Easy With your permission, this technology can create a voiceprint from your conversation with our team. Fast Skip the verification questions! Your voiceprint will confirm your identity and we can help you quicker. Secure Only you have your voice. With Voice ID, your account is even more secure against bad actors. Voice authentication makes verifying your identity over the phone more secure and much faster. By measuring your voice’s unique characteristics, like pitch and pronunciation, our voice verification system creates a digital voiceprint that can be used to verify your identity. Your voiceprint contains over 100 different characteristics. The slight changes to your voice from a cold or scratchy throat don’t alter your voice enough to be a problem. And if the voiceprint ever failed to authenticate you, we can always utilize security questions. Not even one penny! There is no cost to use this service.... --- 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--- Patriot Branch Schenectady High School Our Patriot Branch is run by student volunteers on Tuesdays and Fridays during B and C lunch periods. Stop by to make deposits, withdrawals, and earn points towards fun prizes! Click/Tap for Hours of Operation Click/Tap for Patriot Branch Services Click/Tap for Patriot Branch Points Click/Tap for Custom Debit Cards Click/Tap for Withdrawal Limits Click/Tap to Sign Up for Mobile Banking Patriot Branch Beginnings Founded in 1937 as Schenectady Teachers FCU, we have consistently dedicated ourselves to supporting educators and students. Over the last two decades, the Patriot Branch, located within Schenectady High School, has been operated by student volunteers who gain practical work experience while learning the essentials of financial marketing and new account sales. This year, we proudly celebrate 20 years of operation within Schenectady High School! Patriot Branch Details Learn more about our Schenectady High School branch - the Patriot Branch! Open on Tuesdays and Fridays during B and C lunch. • B Lunch: 11:44 AM to 12:14 PM• C Lunch: 12:33 PM to 1:03 PM • Open an Account• Make Deposits• Make Withdrawals• Redeem Points Earn points towards prizes with your deposits at the Patriot Branch! A minimum of $5 deposited or proof of direct deposit earns you 4 points each banking day! * 25 Points: $10 Brugger's Bagels Gift Card or $10 Stewart's Gift Card35 Points: $20 Walmart Gift Card55 Points: $30 Visa Gift Card75 Points: Prom Ticket or $50 Gift Card *May not deposit and withdraw the $5 minimum... --- JTVCc2l0ZW1hcCUyMGFsbCUzRCUyMnRydWUlMjIlNUQ= --- Long-Term InvestingDiscover the magic of compounding investments. CalculateNet Worth CalculatorCalculate the difference between your assets and liabilities. CalculateShare Certificate LadderA certificate ladder may increase your investment returns. CalculateCompare Share CertificatesCompare the returns of two share certificates side by side. 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CalculateMaximum Student LoanA common rule of thumb based on starting salary. CalculateCollege Explorer ToolGet the details on thousands of colleges and universities. CalculateFinancial WellnessCompare your financial health with a national sample. CalculateIdentity Theft PreventionHow well do you protect your identity? CalculateFinancial AttitudesSee how closely you match one of four personality types. CalculateCareer ExplorerLearn more about hundreds of careers. CalculateBecome a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSet Up E-StatementsLearn how to enroll through online banking or our mobile app. Read MoreLocationsFind a local... --- 1708 Altamont Avenue, Rotterdam, NY 12303 First New York's three Drive-Thru ITM Kiosks have advanced transaction capabilities, allowing you to complete all your banking needs digitally. No ATM or Debit Card is needed. To get started, all you need is your member number. From there, you can easily deposit checks, transfer money, make loan payments, and more! Check out all of our ITM's available services below. Get 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 • 24-Hour full service ITM • Drive Thru Kiosk • Open 24/7/365 • Withdraw or deposit funds • Deposit checks • Make loan payments • Transfer money • Touch of a button assistance* • CO-OP Shared Branch Network Become a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountLearn more about First New York Savings Accounts today! Start SavingLocationsFind a local First New York branch or ITM/ATM near you! Find Now **ITMs are available to members 24/7/365. However, assistance from a Member Service Specialist or personal service from a Live Teller is only available during hours of operation, Monday through Friday 8 a. m. to 6 p. m. and Saturday 9 a. m. to 1 p. m. Operation hours may be subject to change due to holidays and closures. **Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. **Member satisfaction is important to us. If you have... --- 444 Geyser Road, Ballston Spa, NY 12020 First New York's three Drive-Thru ITM Kiosks have advanced transaction capabilities, allowing you to complete all your banking needs digitally. No ATM or Debit Card is needed. To get started, all you need is your member number. From there, you can easily deposit checks, transfer money, make loan payments, and more! Check out all of our ITM's available services below. Get 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 • 24-Hour full service ITM • Drive Thru Kiosk • Open 24/7/365 • Withdraw or deposit funds • Deposit checks • Make loan payments • Transfer money • Touch of a button assistance* • CO-OP Shared Branch Network Become a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountOpen a First New York Savings Account today! Start SavingLocationsFind a local branch or ITM/ATM near you! Find Now **ITMs are available to members 24/7/365. However, assistance from a Member Service Specialist or personal service from a Live Teller is only available during hours of operation, Monday through Friday 8 a. m. to 6 p. m. and Saturday 9 a. m. to 1 p. m. Operation hours may be subject to change due to holidays and closures. **Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. **Member satisfaction is important to us. If you have questions, concerns, or... --- 2 Wall Street, Albany, NY 12205 First New York's three Drive-Thru ITM Kiosks have advanced transaction capabilities, allowing you to complete all your banking needs digitally. No ATM or Debit Card is needed. To get started, all you need is your member number. From there, you can easily deposit checks, transfer money, make loan payments, and more! Check out all of our ITM's available services below. Get 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 • 24-Hour full service ITM • Drive Thru Kiosk • Open 24/7/365 • Withdraw or deposit funds • Deposit checks • Make loan payments • Transfer money • Touch of a button assistance* • CO-OP Shared Branch Network Become a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountLearn more about First New York Savings Accounts today! Start SavingLocationsFind a local First New York branch or ITM/ATM near you! Find Now **ITMs are available to members 24/7/365. However, assistance from a Member Service Specialist or personal service from a Live Teller is only available during hours of operation, Monday through Friday 8 a. m. to 6 p. m. and Saturday 9 a. m. to 1 p. m. Operation hours may be subject to change due to holidays and closures. **Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. **Member satisfaction is important to us. If you have... --- 2 Wall Street, Ste 1, Albany NY 12205 518-881-1141 Get DirectionsLocation DetailsJTNDaWZyYW1lJTIwc3JjJTNEJTIyaHR0cHMlM0ElMkYlMkZ3d3cuZ29vZ2xlLmNvbSUyRm1hcHMlMkZlbWJlZCUzRnBiJTNEJTIxMW0xOCUyMTFtMTIlMjExbTMlMjExZDI5MzAuMTc1OTgxMzQ1ODEyNSUyMTJkLTczLjg0MzY1NDIyNTE3ODcxJTIxM2Q0Mi43NDIzMjg4MTA4NjcyOCUyMTJtMyUyMTFmMCUyMTJmMCUyMTNmMCUyMTNtMiUyMTFpMTAyNCUyMTJpNzY4JTIxNGYxMy4xJTIxM20zJTIxMW0yJTIxMXMweDg5ZGUwY2NkMzdlM2I3YjUlMjUzQTB4OWMyZjAwYjZiNmUyM2RmNCUyMTJzRmlyc3QlMjUyME5ldyUyNTIwWW9yayUyNTIwRmVkZXJhbCUyNTIwQ3JlZGl0JTI1MjBVbmlvbiUyMTVlMCUyMTNtMiUyMTFzZW4lMjEyc3VzJTIxNHYxNjgzMTI2NzI1MDY5JTIxNW0yJTIxMXNlbiUyMTJzdXMlMjIlMjB3aWR0aCUzRCUyMjEwMCUyNSUyMiUyMGhlaWdodCUzRCUyMjQ1MCUyMiUyMHN0eWxlJTNEJTIyYm9yZGVyJTNBMCUzQiUyMiUyMGFsbG93ZnVsbHNjcmVlbiUzRCUyMiUyMiUyMGxvYWRpbmclM0QlMjJsYXp5JTIyJTIwcmVmZXJyZXJwb2xpY3klM0QlMjJuby1yZWZlcnJlci13aGVuLWRvd25ncmFkZSUyMiUzRSUzQyUyRmlmcmFtZSUzRQ== • No Cost or Obligation Consultations* • Retirement Planning • Education Funding • Insurance Planning • Investment Planning • Estate Planning • Tax-advantage Investment Planning** *Offered to First New York Credit Union members. **Representative is not a tax advisor. For information regarding your specific tax situation, please consult a tax professional. FR-3454861. 1-0221-0323JTVCdGFibGUlMjBpZCUzRDI1JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDIxJTIwJTJGJTVEBecome a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowPlan for the FutureExplore First New York Retirement & Investment Services. Learn MoreFixed Annuities 101Fixed annuities guaranteed rates are at a record high. Learn what to know. Find Now *If we’re closed, you can still access the following services: FNY Express Tellers/ITMS, First OnLine internet banking, FNY On-the-Go mobile banking app, and over 5,600 CO-OP Shared Branches. **Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. ***Member satisfaction is important to us. If you have questions, concerns, or compliments related to the service you have received, please contact Brandy Hazzard, Vice President of Member Services, at (518) 393-1326 ext. 1194 or by email. --- 31 Jordan Road, North Greenbush, NY 12180 518-640-9334 Messiah Mortimore Messiah. Mortimore@firstnewyork. org Get DirectionsBranch 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 • Open New Accounts • Complete Loan Applications and Closings • Member Service Representatives Available • Drive Up Interactive Teller Machines (ITM) • Interior Interactive Teller Machines (ITM) • Free Coin Machine for Members • Notary Services • Access to over 5,600 Shared Branches and 30,000 Surcharge-Free ATMs across all fifty states with the CO-OP Shared Branch Network *Services will vary per location. JTVCdGFibGUlMjBpZCUzRDI1JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDIxJTIwJTJGJTVEBecome a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountLearn more about First New York Savings Account today! Start SavingLocationsFind a local First New York branch or ITM/ATM near you! Find Now *If we’re closed, you can still access the following services: FNY Express Tellers/ITMS, First OnLine internet banking, FNY On-the-Go mobile banking app, and over 5,600 CO-OP Shared Branches. **Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. ***Member satisfaction is important to us. If you have questions, concerns, or compliments related to the service you have received, please contact Brandy Hazzard, Vice President of Member Services, at (518) 393-1326 ext. 1194 or by email. --- 1533 Route 9, Halfmoon, NY 12065-5614 518-640-9333 Laura Kolakoski Laura. Kolakoski@firstnewyork. org Get DirectionsBranch DetailsJTNDaWZyYW1lJTIwc3JjJTNEJTIyaHR0cHMlM0ElMkYlMkZ3d3cuZ29vZ2xlLmNvbSUyRm1hcHMlMkZlbWJlZCUzRnBiJTNEJTIxMW0xOCUyMTFtMTIlMjExbTMlMjExZDI5MjUuMzg2NzUyNDMwMDgyJTIxMmQtNzMuNzQ5OTY5OTI1MTcxOSUyMTNkNDIuODQzNTY2MjA0NDIwMTM1JTIxMm0zJTIxMWYwJTIxMmYwJTIxM2YwJTIxM20yJTIxMWkxMDI0JTIxMmk3NjglMjE0ZjEzLjElMjEzbTMlMjExbTIlMjExczB4ODlkZTExNzYyZGE2OGE4YiUyNTNBMHg5NDBiYjAwNDUxN2UxZTU2JTIxMnNGaXJzdCUyNTIwTmV3JTI1MjBZb3JrJTI1MjBGZWRlcmFsJTI1MjBDcmVkaXQlMjUyMFVuaW9uJTIxNWUwJTIxM20yJTIxMXNlbiUyMTJzdXMlMjE0djE2ODMwNTc5MjgwOTklMjE1bTIlMjExc2VuJTIxMnN1cyUyMiUyMHN0eWxlJTNEJTIyYm9yZGVyJTNBMCUzQiUyMiUyMGFsbG93ZnVsbHNjcmVlbiUzRCUyMiUyMiUyMGxvYWRpbmclM0QlMjJsYXp5JTIyJTIwcmVmZXJyZXJwb2xpY3klM0QlMjJuby1yZWZlcnJlci13aGVuLWRvd25ncmFkZSUyMiUyMHdpZHRoJTNEJTIyMTAwJTI1JTIyJTIwaGVpZ2h0JTNEJTIyNDUwJTIyJTNFJTNDJTJGaWZyYW1lJTNF • Full Banking Services • Drive Up FNY Express Teller Machines (ITM) • Interior FNY Express Teller Machines (ITM) • Member Service Representative • Free Coin Machine for Members • Loan Applications • Loan Closings • Notary Services • New Accounts • CO-OP Shared Branch Network *Services will vary per location. JTVCdGFibGUlMjBpZCUzRDI1JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDIxJTIwJTJGJTVEBecome a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountLearn more about First New York Savings Accounts today! Start SavingLocationsFind a local First New York branch or ITM/ATM near you! Find Now *If we’re closed, you can still access the following services: FNY Express Tellers/ITMS, First OnLine internet banking, FNY On-the-Go mobile banking app, and over 5,600 CO-OP Shared Branches. **Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. ***Member satisfaction is important to us. If you have questions, concerns, or compliments related to the service you have received, please contact Brandy Hazzard, Vice President of Member Services, at (518) 393-1326 ext. 1194 or by email. --- 424 Maple Ave, Saratoga Springs, NY 12866-5506 518-584-5343 Tina Bianco Tina. Bianco@firstnewyork. org Get DirectionsBranch DetailsJTNDaWZyYW1lJTIwc3JjJTNEJTIyaHR0cHMlM0ElMkYlMkZ3d3cuZ29vZ2xlLmNvbSUyRm1hcHMlMkZlbWJlZCUzRnBiJTNEJTIxMW0xOCUyMTFtMTIlMjExbTMlMjExZDI5MTMuMjkwMDk5MjM3NzYlMjEyZC03My43NzQ0NzQzMjUxNTQ3MyUyMTNkNDMuMDk4NDE3OTg4MTM3NTA2JTIxMm0zJTIxMWYwJTIxMmYwJTIxM2YwJTIxM20yJTIxMWkxMDI0JTIxMmk3NjglMjE0ZjEzLjElMjEzbTMlMjExbTIlMjExczB4ODlkZTM3NjljMjlkYWVlOSUyNTNBMHgzOThkYWQyZTFkNzg1OWFjJTIxMnNGaXJzdCUyNTIwTmV3JTI1MjBZb3JrJTI1MjBGZWRlcmFsJTI1MjBDcmVkaXQlMjUyMFVuaW9uJTIxNWUwJTIxM20yJTIxMXNlbiUyMTJzdXMlMjE0djE2ODMwNTc1ODk5NjMlMjE1bTIlMjExc2VuJTIxMnN1cyUyMiUyMHN0eWxlJTNEJTIyYm9yZGVyJTNBMCUzQiUyMiUyMGFsbG93ZnVsbHNjcmVlbiUzRCUyMiUyMiUyMGxvYWRpbmclM0QlMjJsYXp5JTIyJTIwcmVmZXJyZXJwb2xpY3klM0QlMjJuby1yZWZlcnJlci13aGVuLWRvd25ncmFkZSUyMiUyMHdpZHRoJTNEJTIyMTAwJTI1JTIyJTIwaGVpZ2h0JTNEJTIyNDUwJTIyJTNFJTNDJTJGaWZyYW1lJTNF • Full Banking Services • FNY Express Teller Machine (ITM) • Member Service Representative • Free Coin Machine for Members • Loan Applications • Loan Closings • Notary Services • New Accounts • CO-OP Shared Branch Network *Services will vary per location. JTVCdGFibGUlMjBpZCUzRDI1JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDIxJTIwJTJGJTVEBecome a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountLearn more about First New York Savings Accounts today! Start SavingLocationsFind a local First New York branch or ITM/ATM near you! Find Now *If we’re closed, you can still access the following services: FNY Express Tellers/ITMS, First OnLine internet banking, FNY On-the-Go mobile banking app, and over 5,600 CO-OP Shared Branches. **Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. ***Member satisfaction is important to us. If you have questions, concerns, or compliments related to the service you have received, please contact Brandy Hazzard, Vice President of Member Services, at (518) 393-1326 ext. 1194 or by email. --- New Location is Open! As of Monday, June 30th, our Rotterdam Branch is now at 3085 Carman Road. 3085 Carman Road, Rotterdam, NY 12303-3817 518-881-1980 Scott Hughes Scott. Hughes@firstnewyork. org Get DirectionsBranch 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 • Full Banking Services • Drive Up FNY Express Teller Machine (ITM) • Interior FNY Express Teller Machines (ITM) • Member Service Representative • Free Coin Machine for Members • Loan Applications • Loan Closings • Notary Services • New Accounts • CO-OP Shared Branch Network *Services will vary per location. JTVCdGFibGUlMjBpZCUzRDI1JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDIxJTIwJTJGJTVEBecome a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountLearn more about First New York Savings Accounts today! Start SavingLocationsFind a local First New York branch or ITM/ATM near you! Find Now *If we’re closed, you can still access the following services: FNY Express Tellers/ITMS, First OnLine internet banking, FNY On-the-Go mobile banking app, and over 5,600 CO-OP Shared Branches. **Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. ***Member satisfaction is important to us. If you have questions, concerns, or compliments related to the service you have received, please contact Brandy Hazzard, Vice President of Member Services, at (518) 393-1326 ext. 1194 or by email. --- 19 Glenridge Road, Glenville, NY 12302-4500 518-384-1572 Sherry Grindel Sherry. Grindel@firstnewyork. org Get DirectionsBranch DetailsJTNDaWZyYW1lJTIwc3JjJTNEJTIyaHR0cHMlM0ElMkYlMkZ3d3cuZ29vZ2xlLmNvbSUyRm1hcHMlMkZlbWJlZCUzRnBiJTNEJTIxMW0xOCUyMTFtMTIlMjExbTMlMjExZDI5MjQuMTkzNDAxNjgxMzEzNCUyMTJkLTczLjkyOTQ1OTgyNTE3MDIzJTIxM2Q0Mi44Njg3NjE5MDI4MTM3MTYlMjEybTMlMjExZjAlMjEyZjAlMjEzZjAlMjEzbTIlMjExaTEwMjQlMjEyaTc2OCUyMTRmMTMuMSUyMTNtMyUyMTFtMiUyMTFzMHg4OWRlNmMxYWRmYTI2NjkzJTI1M0EweDQzNmU1ZmMyMTFkY2JkYjYlMjEyc0ZpcnN0JTI1MjBOZXclMjUyMFlvcmslMjUyMEZlZGVyYWwlMjUyMENyZWRpdCUyNTIwVW5pb24lMjE1ZTAlMjEzbTIlMjExc2VuJTIxMnN1cyUyMTR2MTY4MzA1NzI0Nzc1NCUyMTVtMiUyMTFzZW4lMjEyc3VzJTIyJTIwc3R5bGUlM0QlMjJib3JkZXIlM0EwJTNCJTIyJTIwYWxsb3dmdWxsc2NyZWVuJTNEJTIyJTIyJTIwbG9hZGluZyUzRCUyMmxhenklMjIlMjByZWZlcnJlcnBvbGljeSUzRCUyMm5vLXJlZmVycmVyLXdoZW4tZG93bmdyYWRlJTIyJTIwd2lkdGglM0QlMjIxMDAlMjUlMjIlMjBoZWlnaHQlM0QlMjI0NTAlMjIlM0UlM0MlMkZpZnJhbWUlM0U= • Full Banking Services • FNY Express Teller Machine (ITM) • Drive Thru Services • Member Service Representative • Free Coin Machine for Members • Loan Applications • Loan Closings • Notary Services • New Accounts • CO-OP Shared Branch Network *Services will vary per location. JTVCdGFibGUlMjBpZCUzRDI1JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDI2JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDIxJTIwJTJGJTVEBecome a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountLearn more about First New York Savings Accounts today! Start SavingLocationsFind a local First New York branch or ITM/ATM near you! Find Now *If we’re closed, you can still access the following services: FNY Express Tellers/ITMS, First OnLine internet banking, FNY On-the-Go mobile banking app, and over 5,600 CO-OP Shared Branches. **Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. ***Member satisfaction is important to us. If you have questions, concerns, or compliments related to the service you have received, please contact Brandy Hazzard, Vice President of Member Services, at (518) 393-1326 ext. 1194 or by email. --- 795 East Main St, Ste 1, Cobleskill, NY 12043-1263 518-234-2583 Julie Soard Julia. Soard@firstnewyork. org Get DirectionsBranch 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 • Full Banking Services • 24 Hour Full Service ATM • Drive Thru Services • Member Service Representative • Free Coin Machine for Members • Loan Applications • Loan Closings • Notary Services • New Accounts • CO-OP Shared Branch Network *Services will vary per location. JTVCdGFibGUlMjBpZCUzRDI1JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDI2JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDIxJTIwJTJGJTVEBecome a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountLearn more about First New York Savings Account today! Start SavingLocationsFind a local First New York branch or ITM/ATM near you! Find Now *If we’re closed, you can still access the following services: FNY Express Tellers/ITMS, First OnLine internet banking, FNY On-the-Go mobile banking app, and over 5,600 CO-OP Shared Branches. **Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. ***Member satisfaction is important to us. If you have questions, concerns, or compliments related to the service you have received, please contact Brandy Hazzard, Vice President of Member Services, at (518) 393-1326 ext. 1194 or by email. --- 818 Central Avenue, Albany, NY 12206-1549 518-435-0051 Messiah Mortimore Messiah. Mortimore@firstnewyork. org Get DirectionsBranch 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 • Full Banking Services • 24 Hours Full Service ATM • Member Service Representative • Free Coin Machine for Members • Loan Applications • Loan Closings • Notary Services • New Accounts • CO-OP Shared Branch Network *Services will vary per location. JTVCdGFibGUlMjBpZCUzRDI1JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDIxJTIwJTJGJTVEBecome a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountLearn more about First New York Savings Accounts today! Start SavingLocationsFind a local First New York branch or ITM/ATM near you! Find Now *If we’re closed, you can still access the following services: FNY Express Tellers/ITMS, First OnLine internet banking, FNY On-the-Go mobile banking app, and over 5,600 CO-OP Shared Branches. **Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. ***Member satisfaction is important to us. If you have questions, concerns, or compliments related to the service you have received, please contact Brandy Hazzard, Vice President of Member Services, at (518) 393-1326 ext. 1194 or by email. --- First New York Photo Release --- KIDS Banking Volunteer Spotlight Credit Unions have a motto of “People Helping People”. In that spirit, we would love to hear about the volunteer activities in which our KIDS Bankers participate. Please fill out the KIDS Banking Volunteer Form below to tell us about the volunteer work your KIDS banker has participated in. Don’t forget to include an image for a chance to be featured on our First New York social media pages! --- We Want to See Your New Car! Thank you for financing your new car with First New York! Send us a picture of you and your new car, and we will send you a $10 Hoffman Car Wash gift card. Photo Examples: --- Submit Your Children's Report Cards! To recognize their dedication and effort, KIDS Banking members in grades Kindergarten through 8th grade can earn $10 each quarter (up to $40 per year) by submitting their report card with the form below. Report cards must be submitted no later than 30 days from issue. To receive credit, report cards must be submitted through this form. Report cards will not be accepted through email or other methods.   *Must be member in good standing. Limited to students in Kindergarten through 8th grade. --- Unlock Financial Wellness with a Financial Wellness Check Take charge of your financial future with a Financial Wellness Check from First New York Federal Credit Union. During a Financial Wellness Check, our dedicated lending experts or branch team will offer personalized financial actions and insights that are tailored to your unique goals and situation. Much like a physical exam, a financial checkup ensures your financial health is on track and sets you up for a secure future. --- Questions? Reach out to our Recruiter, Trent Taylor! EmailCall Branches Assistant Branch Manager at the Rotterdam Branch Rate of pay $25. 00 per hour Highly motivated individual who demonstrates a positive, outgoing, and influential personality that will ensure that an unsurpassed level of member services is continuously provided by every team member. They will maximize every opportunity to increase membership, refer consumer and real estate loans as well as promote e-services to the membership in the branch. Must possess skills to motivate team members to work together to achieve goals, in the absence of the Branch Manager. Learn More Apply for the Assistant Branch Manager Position Teller at the Albany Branch Rate of pay $17. 50 - $19. 00 per hour Highly motivated individual who demonstrates a positive, outgoing, and influential personality when providing an unsurpassed level of member services to ensure that members’ expectations are met and exceeded during every interaction. They will maximize every opportunity to advertise e-services and increase membership along with referring consumer and real estate loans within the branch. Learn More Apply for the Teller Position Teller at the Glenville Branch Rate of pay $17. 50 - $19. 00 per hour Highly motivated individual who demonstrates a positive, outgoing, and influential personality when providing an unsurpassed level of member services to ensure that members’ expectations are met and exceeded during every interaction. They will maximize every opportunity to advertise e-services and increase membership along with referring consumer and real estate loans within the branch. Learn... --- 1776 Union Street, Niskayuna, NY 12309-6316 518-393-1325 Michelle Dragon Michelle. Dragon@firstnewyork. org Get DirectionsBranch 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 • Full Banking Services • FNY Express Teller Machine (ITM) • Drive Thru Services • Member Service Representative • Free Coin Machine for Members • Loan Applications • Loan Closings • Notary Services • New Accounts • CO-OP Shared Branch Network *Services will vary per location. JTVCdGFibGUlMjBpZCUzRDI1JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDI2JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDIxJTIwJTJGJTVEBecome a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountLearn more about First New York Savings Accounts today! Start SavingLocationsFind a local First New York branch or ITM/ATM near you! Find Now *If we’re closed, you can still access the following services: FNY Express Tellers/ITMS, First OnLine internet banking, FNY On-the-Go mobile banking app, and over 5,600 CO-OP Shared Branches. **Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. ***Member satisfaction is important to us. If you have questions, concerns, or compliments related to the service you have received, please contact Brandy Hazzard, Vice President of Member Services, at (518) 393-1326 ext. 1194 or by email. --- The Google Play Store and Apple Store have implemented a requirement for First New York Federal Credit Union to provide our members with the ability to request removal of their app accounts and any associated data. This requirement is the latest of many recent compliance updates from Google and Apple related to user privacy and data safety. Upon execution of this request, First New York will delete all associated data held in our digital and internet banking system. This data will no longer be accessible or available to any party. Your accounts will remain active, and your accounts transaction history will remain in our main system history as long as your accounts are open, but all Internet and Mobile Banking data will be deleted. Call Our Member Services TeamCall our Member Services team at 518-393-1326 to request removal. Call UsText Our Member Services TeamText our Member Services team at 518-393-1326 to request removal. Text UsBecome a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountOpen a First New York Savings Account today! Start SavingLocationsFind a local branch or ITM/ATM near you! Find Now --- 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. Members have access to eight branch locations, three stand-alone ITM kiosks, and more than 5,600 Co-Op Shared Branches throughout the United States. First New York also operates three student-run branches in Burnt Hills-Ballston Lake High School, Mohonasen High School, and Schenectady High School. View CO-OP Locations • Albany Branch • First New York Retirement & Investment Services • ITM Kiosk in Colonie • North Greenbush Branch • Halfmoon Branch • Saratoga Branch • ITM Kiosk in Ballston Spa • Glenville Branch • Niskayuna Branch • Rotterdam Branch • ITM Kiosk at WellNow Rotterdam • Cobleskill Branch • Spartan Branch - BH-BL High School • Patriot Branch - Schenectady High School • Legacy Branch - Mohonasen High School • Golden Eagles Branch - Galway Junior Senior High School • Fordians Branch - Waterford-Halfmoon Union Free School District 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 a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountLearn more about out First New York Savings Accounts today! Start SavingLocationsFind a local First New York branch or ITM/ATM near you! Find Now *Services will vary per location. **Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. ***Loan Center is available Monday-Friday from 8 a.... --- When you bank with First New York, you unlock a network of CO-OP shared branches. You have access to over 5,600 Shared Branches and 30,000 Surcharge-Free ATMs across all fifty states.   That’s the credit union difference. Locate a CO-OP Shared Branch or Surcharge-Free ATM today using our search tool! Find a CO-OP LocationContact Us for HelpLocate a CO-OP Shared Branch or Kiosk Have more direct, surcharge-free access to your money nationwide. Confirm Your Identity Provide the Member Service Representative (MSR) with your account number and valid photo ID. Start Banking Once you’re verified, you can start banking. Make deposits, withdrawals, transfers, and more! 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 a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountLearn more about First New York Savings Accounts today! Start SavingLocationsFind a local First New York branch or ITM/ATM near you! Find Now --- • Free Visa® Debit Card • Earn dividends* • No minimum deposit needed to open • No monthly minimum balance requirements • No monthly service charges • No per-check charges • All Access, Choice, and Member Business Accounts Available First New York’s transaction accounts, also known as checking accounts, safeguard your spending. Earn dividends on your account and insure your money. Plus, there are no hidden fees, and you can access your account 24/7/365 through our online and mobile apps. Become a member to get started or click on the buttons to learn more. Become a MemberOrder ChecksChecking Accounts • No fees • No monthly service charge • Tap-to-Pay • Accepted worldwide • Instant transactions • Free unlimited transactions at First New York ATMs and ITMs • Surcharge free at SUM and CO-OP branch ATMs • Visa Purchase Alerts • Free instant replacement if damaged or stolen** Become a member to open an All Access, Checking Account, or Member Business Checking Account to receive your free Visa® Debit Card. If you’re already a member, you can open an account to receive your card in-branch, through First OnLine, or by calling the Contact Center. Become a MemberContact CenterReport a Lost/Stolen Card Your First New York Visa® credit or debit card allows you to receive Visa® Purchase Alerts for all of your purchases. Set up your alerts today! Read More Get notified of purchases in real time with our new card controls. Learn the 11 steps to set up your FNY Visa®... --- With our additional auto coverage options, you can drive confidently knowing First New York has your back. Whether you need protection against costly repairs or auto insurance, we’ve got you covered! Text a Loan Expert In partnership with TruStage™, we offer comprehensive coverage options that are tailored to your budget and needs! Benefits: • Free Visa® Debit Card • Earn dividends* • Customized Coverage • 24 Hour Claims Assistant • Cost Saving Options • Accident Forgiveness • And More! Learn More Safeguard yourself from financial loss with Gap Insurance. If your car is stolen or totaled, Gap Insurance covers the remaining balance on your loan, so you don’t have to. Learn More Protect your car—and your wallet—from unexpected repair costs with our extended warranty protection. Whether your car is new or used, enjoy peace of mind knowing you’re covered against potential car troubles. Learn MoreBecome a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowShop Our Auto LoansBest-in-class service, highly competitive rates and flexible terms! Shop NowLocationsFind a First New York local branch or ITM/ATM near you! Find Now --- Printed copies of account agreements, rate addendums, and disclosures can be obtained by calling Member Services at (518) 393-1326, option 2, or by visiting any branch location. • Accessibility Statement • EFT • Electronic Services Terms of Service • Error Resolution • E-Statement Agreement • Funds Availability Disclosure • Mobile Account Deletion • Overdraft Services Consent • Privacy Policy • Remote Deposit Services Agreement • Visa® Disclosure Become a MemberExperience the First New York difference today! Join NowContact CenterText (518) 393-1326 or call to speak with our Contact Center. Text NowSavings AccountLearn more about our First New York Savings Account today! Start SavingLocationsFind a First New York branch or ITM/ATM near you! Find Now --- Visit us at one of our eight branch locations throughout the year for free food, drink, entertainment, and prize giveaways. We can’t wait to see you and your family at our free, family-friendly events held at our local branches. Join us for our Halfmoon Member Appreciation Day from 9 AM to 1 PM! Enjoy FREE food, fun, and exclusive First New York giveaways to show our appreciation for our members. 9 AM to 1 PM: Hot Dogs & Hamburgers 9:30 AM to 12:30 PM: Popcorn with Kettle Corn NYC 9:30 AM to 12:30 PM: Balloon Art with Mr. Twisty 10:30 AM to 12:30 PM: Face Painting with Stellar-NY Face Painting Join us for our Rotterdam Member Appreciation Day from 9 AM to 1 PM! Enjoy FREE food, fun, and exclusive First New York giveaways to show our appreciation for our members. 9 AM to 1 PM: Hot Dogs & Hamburgers 9:30 AM to 12:30 PM: Popcorn with Kettle Corn NYC 9:30 AM to 12:30 PM: Balloon Art with Mr. Twisty 10:30 AM to 12:30 PM: Face Painting with Stellar-NY Face Painting Our Rotterdam Member Appreciation Day will be held at our NEW Rotterdam Branch! We will provide more information soon. Join us for our Glenville Member Appreciation Day from 9 AM to 1 PM! Enjoy FREE food, fun, and exclusive First New York giveaways to show our appreciation for our members. 9 AM to 1 PM: Hot Dogs & Hamburgers 9:30 AM to 12:30 PM: Popcorn with Kettle Corn NYC... --- First New York understands the importance of your personal privacy. When it comes to keeping your sensitive information safe, First New York believes that privacy shouldn’t come with a price. That’s why we’re offering free Shred Days to our members and community. FREE Shredding from 9 AM to 1 PM at our Halfmoon Branch! 1533 Route 9 Halfmoon, NY 12065 FREE Shredding from 9 AM to 1 PM at our Rotterdam Branch! Our Rotterdam Shred Day will be held at our NEW Rotterdam Branch! Check back for the address, coming soon. FREE Shredding from 9 AM to 1 PM at our Glenville Branch! 19 Glenridge Road Glenville, NY 12302 FREE Shredding from 9 AM to 1 PM at our Saratoga Branch! 424 Maple Avenue Saratoga Springs, NY 12866 FREE Shredding from 9 AM to 1 PM at our Niskayuna Branch! 1776 Union Street Niskayuna, NY 12309 FREE Shredding from 9 AM to 1 PM at our North Greenbush Branch! 31 Jordan Road Troy, NY 12180 FREE Shredding from 9 AM to 1 PM at our Cobleskill Branch! 795 East Main Street Cobleskill, NY 12043 FREE Shredding from 9 AM to 1 PM at our Albany Branch! 818 Central Avenue Albany, NY 12206 *There is a 100 pound maximum of shredding per person to allow all members the opportunity to have their materials shredded. Become a Member Today! Join First New York to open your All Access or Choice account. Join NowSpeak with a Member Service SpecialistText (518) 393-1326 or call... --- Receive exclusive benefits, discounts and access to trainings at reduced prices, just for being a First New York member! Community Room The Community Room is available Monday-Friday, from 7:30 a. m. until 9:00 p. m. , and Saturday and Sunday from 7:30 a. m to 6:30 p. m. , to First New York Federal Credit Union members and Business Partners, non‑profit organizations and community groups. The Community Room has a maximum seating available for 32 people. Book Today Defensive Driving Save up to 10% on your car insurance and reduce points on your license by taking this discounted New York DMV-approved Defensive Driving course for just $25. Start Here 5-Hour Online Pre-Licensing Course Learn more about how to be a safer and more responsible driver with this New York DMV-approved 5-Hour Online Pre-Licensing course for just $49. Start Here Capital District YMCA Receive an exclusive No Sign Up Fee with the Capital District YMCA. That is a savings of up to $100! Learn More --- 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. During a Financial Wellness Check, you will speak with one of our dedicated experts to explore the different strategies you can take to prepare for your financial future. Discover borrowing options, loan opportunities, and set clear financial goals with a customized plan to achieve them. Sign Up! Our Financial Wellness Checks are completely personalized to you and your goals. Whether you are looking to manage debt, purchase a new home, or plan for retirement – we are here to help! Speak with our experts about: • General Financial Check-Up • Credit Score Education and Improvement • Starting My Child(ren) on the Right Path • Qualifying for a Mortgage • Retirement & Investment Services • Managing Debt • How to Use My Home’s Equity Sign Up Now During a Financial Wellness Check, our skilled professionals will review your current financial situation and provide insights to help you make informed decisions. Have the opportunity to speak with our: • Lending Experts • Member Experts • Financial Advisors • Branch Manager • Mortgage Loan Originator Sign Up Now Our Financial Wellness Checks are tailored to your unique needs. When you sign up, you’ll have the freedom to choose your preferred appointment type, date, and time of day. A Financially Secure Workforce is a Happier, Healthier Workforce! Invest in... --- 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. Stay informed about the latest scamming methods and discover the steps you can take now to protect your personal information. 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REMEMBER: Your Security is Our PriorityFirst New York will never call or text to ask for your member number, social security number, or any other sensitive personal information. If you receive a call, email, or text message requesting sensitive information, ignore the request and call our Contact Center (518)-393-1326 opt 2 to report the incident. --- • Receive a 1% interest rate discount on personal loans closed at our North Greenbush Branch from August 1st through December 31st, 2025 • Receive a discount of 0. 25% Annual Percentage Rate with automatic loan payments* • Borrow up to $25,000 per member, subject to credit approval** • Choose a repayment term, up to 5 years, that meets your needs • Minimum loan is $500 • Debt protection available • Get a monthly statement via mail or e-statement • Share Secured, Share Certificate Secured, and Cashline Overdraft Protection options are available Get more out of life with First New York’s personal loan. Its flexible repayment terms and low rates can help you finance vacations, holiday expenses, a wedding, and whatever else you desire. Because, when you need low personal loan rates, First New York has you covered. Apply Now! Text a Loan Expert • Receive a discount of 0. 25% Annual Percentage Rate with automatic loan payments • Borrow up to $25,000 per member, subject to credit approval** • Choose a repayment term, up to 5 years, that meets your needs • Minimum loan is $500 • Debt protection available A personal loan is an easy solution to covering emergency, vacation, wedding, and home remodeling expenses. First New York’s team of loan experts can help you determine the best personal loan solution for your needs. Let’s get you the best financing for your unique situation. Apply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDE2JTIwJTJGJTVEApply NowText a Loan Expert • Interest rate is 3%... --- • Low, fixed-interest rates • Terms up to 20 years • Zero down payment • No application fee • No prepayment penalty • Fast approval • Work with your certified solar vendor of choice • Refinance options available • Debt protection available • Get a monthly statement via mail or e-statement First New York is the preferred solar lender in the Capital Region. We work directly with certified vendors to get you the smoothest solar panel installation possible. The process is simple: we’ll work with your solar supplier of choice and condense all the costs into one solar loan. Let us do the work and shop our low, fixed solar loan rates today! Apply Now! Text a Loan Expert As New York State Capital Region’s preferred solar lender, you’ll get competitive solar loan rates with the best terms and conditions available. We’ll get you a comprehensive solar loan that covers everything from batteries to installation. Work with First New York and avoid having to take out multiple loans or use your home’s equity to cover expenses. Make solar work for your budget today! Apply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDIwJTIwJTJGJTVEApply NowText a Loan ExpertContact UsText (518) 608-8594 or call to speak with a Loan Expert. †Text NowStart Your ApplicationApplying for a solar loan is easy! Just three simple steps. Apply NowShop Personal LoansDiscover what your 'everything' loan can do for you! Show NowShop Our RatesView our rates on Auto, RV, Home Equity Lines of Credit, and more! View Now *Annual Percentage Rate... --- • Finance recreational vehicles such as campers, Jet Skis, snowmobiles, boats, and trailers • New & used recreational vehicle (RV) loans are available • Life and disability coverage available • No prepayment penalties • Fast approval • Debt protection available • Get a monthly statement via mail or e-statement First New York’s recreational vehicle (RV) loans make it easy for you to purchase the vehicle of your dreams. We have fast and easy financing options available for campers, Jet Skis, snowmobiles, trailers, and boats. Explore our new and used RV loans to get the low-cost financing you deserve! Apply Now! Text a Loan Expert • Low rates • Fast approval process • Finance a wide variety of recreational vehicles • No prepayment penalties • Life and disability coverage available First New York’s new RV loans have your next camper, boat, snowmobile, Jet Ski, or trailer purchase covered. Get ready to finance your next adventure and choose First New York! Apply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDIzJTIwJTJGJTVEApply NowText a Loan Expert • Low rates • Fast approval process • Finance a wide variety of recreational vehicles • No prepayment penalties • Life and disability coverage available First New York’s used RV loans cover older camper, boat, snowmobile, Jet Ski, or trailer models. They come with the same great benefits as our new RV loans. So, you can get started on your next adventure sooner! Apply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDI0JTIwJTJGJTVEApply NowText a Loan ExpertContact UsText (518) 608-8594 or call to speak with a Loan... --- Whether you’re seeking a business loan, equipment financing, or a commercial mortgage, our commercial loans are designed to fit your unique needs. Email a Loan ExpertCall a Loan Expert Commercial Real Estate: Loans secured by commercial real estate, underwritten with emphasis on the borrower’s creditworthiness as well as conventional analysis of the property’s cash flow and debt service coverage. • Loan Amount: $50,000 up to $5M Equipment: Loans secured by equipment for terms commensurate with the useful economic life of the equipment for terms generally not to exceed 60 months. Whenever possible we will endeavor to hold specialized equipment as collateral. • Heavy Equipment • Computers • Furniture Business Use Vehicles: Loans secured by vehicles specifically targeted for business usage, for terms commensurate with the useful economic life of the vehicle. The Credit Union will apply all of the underwriting standards in this policy to business credit cards. The Credit Union has further chosen to limit the maximum dollar amount of any credit card account to $30,000. The Credit Union will apply all of the underwriting standards in this policy to business credit cards. The Credit Union has further chosen to limit the maximum dollar amount of any credit card account to $30,000. The Credit Union will apply all of the underwriting standards in this policy to business overdraft lines of credit. The Credit Union has further chosen to limit the maximum dollar amount of any overdraft LOC account to $15,000. Bob Bazargan Senior Commercial Loan Officer Bob. Bazargan@firstnewyork. org... --- We are here to make your home ownership dreams come true with competitive rates and mortgages that fit your life. Whether you are a first time home buyer, or looking to refinance the home you are in, we can help! Speak with our Mortgage Loan Officer, today for a fast, local decision. 30 Year Fixed Conventional MortgageFirst Time Homebuyer ProgramAdjustable Rate MortgageGet Pre-ApprovedSave time and get pre-approved for a Mortgage. Get Pre-ApprovedMortgage CalculatorsSimplify money management with Mortgage calculators. Mortgage CalculatorsView Mortgage RatesView today's rates for our Mortgage options. Read More With our 30 Year Fixed Conventional Mortgage option, your interest rate remains the same over the life of your mortgage, offering stability for you and your budget. Program Benefits • Interest Rate Remains the Same Over the Life of the Mortgage. • Stable Rate Makes Budgeting Easier and More Predictable. • Affordable Interest Rates. Email Our Mortgage Loan OfficerText our Mortgage Loan Officer Home Sweet Home is a mortgage program offering affordable, low down, payment financing for low to moderate-income first-time home buyers. Program Benefits • Down Payment as low as 3%. • Up to 6% in Seller Concessions. • Reduced Personal Mortgage Insurance (PMI). • Affordable Interest Rates. • No Points Added. • Loan Terms up to 30 Years. Program Requirements • For Borrowers At or Below the Area Median Income Limit. • One or More Borrowers Must Be a First-Time Homebuyer. • Free Homebuyer Education Course Attendance Required. • Mandatory Escrow for Taxes & Insurance. • Financing for... --- • Pay no closing costs† • Pay no NYS mortgage tax† • Borrow up to 90% of your home’s value • Variable and fixed rates are available • Debt protection available • Get a monthly statement via mail or e-statement Tackle your first or next home renovation project with First New York FCU’s Home Equity Lines of Credit (HELOC). Our smart home improvement line of credit is a great alternative to larger financial institutions’ high-interest, non-tax-deductible loans. Get the most equity out of your home with below-industry-average HELOC rates and fast approval. Apply NowText a Loan Expert • Low, variable rate • Competitive rates, lower than credit cards and consumer loans • Pay no closing costs and no NYS mortgage tax†† • A revolving line of credit, open for 10 years with 15 years to repay the balance Before you start your next home renovation project, look into First New York’s Variable Rate Home Equity Lines of Credit. Because, when you need cash fast, you want to partner with someone who can help you achieve your dream home with great rates and terms. Apply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDE1JTIwJTJGJTVEApply NowText a Loan Expert • 5-year revolving line of credit • Flexible repayment terms of 10, 15, and 20 years Generally, larger financial institutions or banks won’t tell you to look into getting a Fixed Rate Home Equity Line of Credit with a credit union. That’s because First New York can offer you home improvement loans at a better rate and terms.... --- • 4. 99% Promotional Rate* • 25,000 ScoreCard Bonus Points** • No annual fee • 25-day interest-free grace period on purchases • ScoreCard Bonus Point Program, earning you 1 point per dollar charged • Tap to Pay, featured on both First New York Visa® credit and debit cards • Digital Wallet Enabled • Visa® Purchase Alerts • Worldwide acceptance • No balance transfer fee*** • Get a monthly statement via mail or e-statement Apply Now! Text a Loan Expert First New York Visa® Credit Cards come with exclusive features that help you bank smarter. Enjoy no annual fee, a 25-day interest-free grace period on purchases, the ScoreCard Bonus Point Program, where you earn one point for every dollar charged for purchases, and Visa Purchase Alerts to help monitor your account activity wherever you are. You’ll also enjoy our new Tap to Pay feature on all of our First New York Visa® and Visa® Secured credit cards. JTVCdGFibGUlMjBpZCUzRDQlMjAlMkYlNUQ=Apply NowShop RatesJTVCdGFibGUlMjBpZCUzRDglMjAlMkYlNUQ=Apply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDklMjAlMkYlNUQ=Apply NowText a Loan ExpertCalculateView All Of Our Calculators Elevate Your Experience with Visa® ScoreCard Rewards! You will earn points for every dollar charged. Points are redeemable via instant Premium Payback at: • Walmart®• CVS®• PayPal®• Walgreens®• Dollar General® Sign Up Now! Your First New York Visa® credit or debit card allows you to receive Visa® Purchase Alerts for all of your purchases. Set up your alerts today! Read More Get notified of purchases in real time with our new card controls. Learn the 11 steps to set... --- • Receive a 1% Interest rate discount on auto/motorcycle loans closed at our North Greenbush branch from August 1st through December 31st, 2025 • Auto loan rates as low as 3. 99% APR* • Up to $150 cash back when you refinance**** • Defer your first payment up to 120 Days*** • New and used, lease-like, and refinancing auto loan options available • Protect your auto investment with debt protection and auto insurance • Add on an extended warranty and gap insurance so you can drive with peace of mind Best in-class service, highly competitive rates, flexible terms, and people who care about your success. Shop First New York’s new and used auto loans or auto refinancing today! Apply Now! Text a Loan ExpertStart Car Shopping First New York makes car buying easy. Enjoy highly competitive auto loan rates, a quick and easy application, and expert guidance from our local team. Discover why we’re the smart choice for auto financing. Apply NowShop Rates First New York is your one-stop shop for auto loans and refinancing. Our auto refinance has saved our members hundreds to thousands over the life of their loan. Don’t miss out on these savings — after all, we do have some of the best rates in the Capital Region. Calculate your new monthly auto payment, and receive exclusive benefits today! • Auto loan rates as low as 3. 99% APR* • Up to $150**** cash back when you refinance • Defer your first payment up to 120... --- • $2 to join* • E-Z Access Visa® Debit Card program • Exclusive contests, giveaways, and prize parties • Additional in-school rewards • Participating schools across the Capital Region, elementary through high school 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. If your child is in a participating school, they’ll have additional in-school banking rewards. ** Join KIDS BankingChecking AccountsEnter the Millionaire for a Day Contest! JTVCdGFibGUlMjBpZCUzRDQzJTIwJTJGJTVE As a proud partner of schools across the Capital Region, we’re able to offer our KIDS Banking Program during the school day! Here, are some of the highlights of our in-school program. • Bank In-School: Children can open a KIDS Savings account or deposit money. • Prize Parties: All school bankers making a deposit receive a prize on Prize Party Days! • PTO/PTA Partnership: First New York donates to your Parent organization based on the number of new accounts opened up to $1,000***** Call and email us to learn if your school participates or see how your school can join our KIDS Banking Program. How cool would it be to have your child treated like a Millionaire for a Day****** and enjoy: • Backpack full of school supplies • Pizza party for the class • Special ride to a branch for the winner and two friends •... --- My First New York is your free digital banking platform where you can easily manage your money from anywhere!   • Monitor account balances• Initiate mobile deposits• Make transfers• Submit Loan Payments• Set up account notifications and alerts• Add and access external accounts• Access e-statements and account history• And so much more! Login on Desktop With My First New York, you have complete control of your cards.   • Apply temporary blocks to your card• Report lost/stolen/damaged cards• Set up and manage card alerts• Add travel alerts   This can be set up in My First New York, under My Tools. Simply can take a photo of your check using a mobile device and deposit it remotely into any of your First New York accounts.   Advantages of using Mobile Deposit:   • No need to visit a branch• Deposit checks on your schedule• Make loan payments from home• Secure process that protects your confidential information• Check deposit history is available within My First New York Stay on top of your finances with customizable alerts and notifications in My First New York.   • Track money movement on accounts• Receive an alert anytime your username is used• Know when mobile deposits are completed• Get notified when external accounts are being used   Set up in My First New York, under My Tools You can pay your bill directly through My First New York. Quickly and securely pay your loans, credit card bills, and more.   • Free and secure bill... --- • $1 minimum balance • Earn dividends† • No monthly service charges • Unlimited depositing with withdrawing of funds • Monthly e-statements • Free access to My First New York • Access all First New York member products and services 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. Become a MemberShare CertificatesBusiness Accounts • $1 minimum balance • No monthly service charges • Unlimited depositing with withdrawing of funds • Monthly e-statements • Free access to My First New York • Access all First New York member products and services Unlock all of First New York’s products and services when you open a Primary Share Savings Account. Become a member today to open a savings account. Apply online, visit us in-branch, or contact us to get started. Become a MemberExplore Features • Earn dividends* • Same free services and benefits as a Primary Share Account • No minimum balance • No monthly service fees Open a First New York Secondary Share Savings Account to earn dividends. You get all the same benefits as our regular Primary Share Savings Account with the ability to earn dividends. Explore FeaturesView DividendsJTVCdGFibGUlMjBpZCUzRDQ2JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDUlMjAlMkYlNUQ= • $1 minimum balance • A minimum of $500 needed to open and earn dividends • 3 month to 5 year terms available • Competitive dividend rates • Rate... --- Protect what matters most! As a First New York member, you have access to a variety of options to protect everything from your home, car, life insurance, and more. Our comprehensive coverage plans are designed to meet your unique needs and help you defend against the unexpected! Contact one of our Loan Experts to learn more about these coverage options. Including how to add Debt Protection to you new or existing loan. Text a Loan ExpertDebt ProtectionProtection from unexpected life events that can be added to your new or existing loan. Learn MoreAuto ProtectionDrive worry-free with auto insurance, gap protection, and extended warranties. Learn MoreHome CoverageProtect your home and belongings at a discounted rate. Learn MoreLife and AD&DPeace of mind with a life insurance policy or AD&D insurance that fits your budget. Learn More Protect your auto investment with our coverage options. As a valued First New York member, you qualify for exclusive discounts on auto insurance. Plus, benefit from gap insurance to cover the financial gap if your vehicle is stolen or totaled, and extended warranties for those unexpected repairs. Read More Ensure your home and belongings are covered from the unexpected! In partnership with TruStage™, we offer protection for homeowners, condos, or renters. Whether it is damage from weather, theft, fire, or other unforeseen events – we have you covered! Learn More Defend yourself and the ones you love most against the unexpected! Through our partnership with TruStage™, we provide life insurance policies that are not only customized... --- 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 Federal Credit Union, 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 two years running. Become a Member TodayQuestions? Text Us! Read More ReviewsIt 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 As a credit union, First New York is a member-owned not-for-profit cooperative, which means we have a Service Motive, not a Profit Motive. Members, not stockholders, own a credit union, and each member has an equal membership stake. The revenue generated through credit union functions goes back to the members in the form of: • Best-in-class service experience • Better interest rates on loans and deposits • Fewer and lower fees • Continuous innovation and improvement of our products and services • Investments in our communities If you live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, and Schoharie County or are related to a member, you are eligible for membership. Become a Member Today Control your accounts, spending, and savings wherever you are with First New York’s mobile and online banking services. It’s fast, free and secure. • Free Visa® Debit Card • Earn dividends*... --- Facts: What does First New York Federal Credit Union do with your personal information?   Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.   What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security Number and Income • Account Balances and Transaction History • Credit History and Credit Scores How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First New York chooses to share; and whether you can limit this sharing. JTVCdGFibGUlMjBpZCUzRDQ3JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDQ4JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDQ5JTIwJTJGJTVEBecome a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountOpen a First New York Savings Account today! Start SavingLocationsFind a local branch or ITM/ATM near you! Find Now --- As your local capital region credit union, it’s our job to make you our top priority. We’re not like typical capital region banks or larger New York credit unions. First New York Federal Credit Union is your community-led financial cooperative. We’re here to help you access reliable banking services and low loan rates, so you feel empowered on your financial journey. Discover what our eight branches have to offer and see for yourself why we’re +37,000 members strong! Our mission is “to consistently surpass member expectations by enthusiastically providing first-class personal and professional service with a commitment to continuous innovation. ” First New York Federal Credit Union, originally known as Schenectady Teachers Federal Credit Union, was federally chartered in 1937 to serve the teachers of the Schenectady City School district. Today, First New York has eight branch locations and three FNY Express Teller Kiosks, serving over 37,000 members, and is one of the strongest financial institutions in the Capital District. Through the years, First New York has listened to the needs of our members and met those needs with financial services that go beyond those of other financial institutions. Brian Krawiecki, Chair Donna Michele, Vice Chair Robert Roback, Jr. , Financial Officer Erin Coufal, Secretary Matthew Lynch, Director Kevin Veitch, Director Timothy Schramm, Director Andrew O’Keefe, Associate Director James Dunham, Chair Gary H. August Donald Booth, Jr. Maxine Fantroy-Ford Sylvia Jimison You may email the First New York Supervisory Committee to address any situations you feel were not handled to... --- Share Certificate Special 15 month New Auto Loan APR as low as Visa® Credit Card Promotional APR Home Equity Loan APR as low as 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 Shop First New York’s new and used auto loans or auto refinancing today! Learn MoreFirst New York Visa® Credit Cards come with exclusive features that help you bank smarter. Learn MoreOur smart home improvement line of credit is a great alternative to larger financial institutions’ high-interest, non-tax-deductible loans. Learn MoreWhether you are a first time home buyer, or looking to refinance the home you are in, we can help! Learn MoreIts flexible repayment terms and low rates can help you finance vacations, holiday expenses, a wedding, and whatever else you desire. Learn MoreThe 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 North Greenbush Exclusive Loan Specials08 August, 2025 in Events News Products No commentShareFacebookLinkedInMillionaire For a Day Contest25 July, 2025 in KIDS Banking No commentShareFacebookLinkedInIt’s Your Money: July-Sept 2025 Newsletter11 July, 2025 in... --- JTVCdGFibGUlMjBpZCUzRDEwJTIwJTJGJTVEApply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDExJTIwJTJGJTVEApply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDEyJTIwJTJGJTVEApply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDIyJTIwJTJGJTVEYour PaymentText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDIzJTIwJTJGJTVEApply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDI0JTIwJTJGJTVEApply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDE0JTIwJTJGJTVEApply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDU4JTIwJTJGJTVEApply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDE1JTIwJTJGJTVEApply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDEzJTIwJTJGJTVEApply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDglMjAlMkYlNUQ=Apply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDklMjAlMkYlNUQ=Apply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDE2JTIwJTJGJTVEApply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDE5JTIwJTJGJTVEApply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDE3JTIwJTJGJTVEApply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDE4JTIwJTJGJTVEApply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDIwJTIwJTJGJTVEApply NowText a Loan ExpertJTVCdGFibGUlMjBpZCUzRDMlMjAlMkYlNUQ=JTVCdGFibGUlMjBpZCUzRDUlMjAlMkYlNUQ=JTVCdGFibGUlMjBpZCUzRDYlMjAlMkYlNUQ=JTVCdGFibGUlMjBpZCUzRDclMjAlMkYlNUQ=JTVCdGFibGUlMjBpZCUzRDI3JTIwJTJGJTVEJTVCdGFibGUlMjBpZCUzRDI4JTIwJTJGJTVE --- Our new and improved digital banking platform has officially launched! For more information about our My First New York online banking and mobile app, check out our digital banking page. More Information on Digital Banking We have eight branches across the NYS Capital Region along with three standalone drive through ITM kiosks. With First New York, you also unlock a network of CO-OP shared branches. You have access to over 5,600 Shared Branches and 30,000 Surcharge-Free ATMs across all fifty states. Locate a CO-OP Shared Branch or Surcharge-Free ATM today using our search tool! Find a BranchView CO-OP Locations Text or call a real person. Our Member Service Specialists are available: • Monday – Friday: 8 AM – 6 PM • Saturday: 9 AM –1 PM (518) 393-1326 ext. 2 or toll-free at (800) 734-7375 ext. 2. * Text UsCall Us If you prefer face-to-face, use our video banking to get connected with a Member Service Representative. * To get started click the “Connect with us! ” button in the bottom right corner of any page. It looks like this: Call immediately if your First New York credit or debit card is lost, stolen, or has a fraudulent transaction. Your card will be deactivated immediately. Come by any branch, and we will instantly issue you a new card. The charge for a lost replacement card is $10. Business Hours • Monday – Friday: 8 AM – 6 PM • Saturday: 9 AM –1 PM Call (518) 393-1326 and press 2.... --- Careers Your Career with First New York Starts Here! Take the next step in your career with us here at First New York! We offer a comprehensive benefits package, a culture of open communication, collaboration, and professional development opportunities. Discover why we've been recognized as a "Best Place to Work" for three consecutive years and a "Top Place to Work" by the Times Union. Join us today! View Available PositionsMore Information* Excellent Benefits for Our Team Members • Health Benefits (Medical, Dental, and Vision) • Employee Matched 401(k) Retirement Plan and Profit Sharing • PTO, Paid Vacation, and 12 Paid Holidays (plus a PTO day for your birthday! ) • Short/Long-Term Disability and Life Insurance • Aflac Supplemental Coverage • Career Pathing • Tuition Reimbursement • Employee Incentive Program • Employee Assistance Program (EAP) • Referral Program What Our Team Members Say What I enjoy most about working at First New York is our people. The members and staff alike. It's the sense that with a strong team anything is possible. They really value the individual contribution everyone brings to the table. The diversity of professional backgrounds, interpersonal skills and abilities come together here. The result is a sense of belonging, sense of teamwork, and the sense of security knowing we can handle whatever comes our way. I look forward to working with and building my team here at the Niskayuna Branch every day! Scott H. , Niskayuna Assistant Branch ManagerSince I started with First New York in 2020, I... --- If you have questions, comments, or concerns, First New York is here to assist! Our Contact Center can help you with anything related to your First New York account or banking experience. This includes using banking features, opening an account, becoming a member, and more. Our Loan Center can walk you through our products or services as well as answer any questions you may have related to your loan payments or coverage. Text Contact CenterText Loan CenterReport Credit or Debit Card Please call (518) 393-1326 or 1-866-652-7169. Inside the U. S. After normal business hours only, please call 1-866-652-7169. If possible, please have your Visa Debit Card Number. During normal business hours, please call (518) 393-1326. * Outside the local calling area call 800-734-7375. Outside of the U. S. After normal business hours, please call collect 727-299-2449. If possible, please have your Visa Debit Card Number. During normal business hours, call collect (518) 393-1326. * Please call Credit Cardholder Support at 1-888-918-7313. Become a MemberJoin First New York to open your All Access or Choice account. Join NowContact CenterText (518) 393-1326 or call to speak with a Member Service Specialist. ***Text NowSavings AccountLearn more about our First New York Savings Account today! Start SavingLocationsFind a local branch or ITM/ATM near you! Find Now *Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. **Loan Center is available Monday-Friday from 8 a. m. until 6 p. m.... --- --- ## Posts How cool would it be to have your child treated like a Millionaire for a Day? Enter today! Members who close the following loan types at our North Greenbush branch from August 1st through December 31st, 2025 will receive a 1% interest rate discount! * Auto/Motorcycle Loans New and Used Vehicles with Model Years 2005 - 2026. **• Auto loan rates as low as 3. 99% APR. *• Up to $150 cash back when you refinance. **** • Defer your first payment up to 120 Days. *** Apply for an Auto Loan Personal Loans The following Personal Loan types are NOT eligible for the interest rate discount: Solar, CD Secured, Share Secured, and Cashline loans. †• Borrow up to $25,000 per member. †• Choose a repayment term that meets your needs. • Minimum loan is $500. Apply for a Personal Loan Learn More About Our North Greenbush Branch: 31 Jordan Road, North Greenbush, NY 12180 518-640-9334 • Member Service Representatives Available • Drive Up Interactive Teller Machines (ITM) • Interior Interactive Teller Machines (ITM) • Free Coin Machine for Members • Notary Services Branch Details *All promotions are subject to credit approval and may not be combined with other offers. Terms and conditions apply. Offer valid only at the North Greenbush branch. 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 2016-2026. Easy Drive Lease-Like Program is ineligible for the interest rate discount. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is... --- How cool would it be to have your child treated like a Millionaire for a Day? Enter today! Millionaire for a Day Contest is BACK! When you enter your child into our Millionaire Program*, they have the chance to be treated like a Millionaire for a day. They will receive exclusive prizes — only offered to them. This 2025-2026 school year, we’re excited to give our Millionaire for a Day special perks, including: Backpack full of school supplies Pizza party for the class Ice cream party with the CEO Special ride to a branch for the winner and two friends** Backstage tour of their local branch Participation in the Schenectady Holiday Parade Not a KIDS Banking member yet? Learn more here! Complete the Form Below for a Chance to Win! *Millionaire for a Day contest is only open to KIDS Bankers in grades K-8. Entries will be accepted until 11/3/2025 and the drawing will be on 11/14/2025. **Deluxe Transportation to the local branch will be provided by First New York Federal Credit Union. Past Winners: 2024: Piper 2023: Giuliana 2022: Caden 2021: Avery --- Your latest issue of "It's Your Money" has arrived. 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FB3D_CLIENT_LOCALE && FB3D_CLIENT_LOCALE. render && FB3D_CLIENT_LOCALE. render; In this Issue: Your “It’s Your Money” Recap It’s Your Money: July-September issue features First New York Federal Credit Union’s most recent news and promotions! Learn everything you need to know by reading the issue above. If you want to see our biggest highlights, see our standouts below: Refer a Friend or Family Member and Get Rewarded! Rotterdam Branch has Moved! Safety First: Know When It's Time to Hang-Up Albany Member Appreciation Day: Rescheduled Date New Member Resource Letter from our CEO, Lucy Halstead And much more! --- Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions and much more! We're moving, but not too far away! On Monday, June 30th, our Rotterdam branch will have a new home base: 3085 Carman Road in Rotterdam! We can't wait to welcome you to this fresh new spot! Here are some important dates to keep in mind: Friday, June 27 and Saturday, June 28: Both Rotterdam locations will be closed while we move.   Thursday, June 26: Last day of operations for the current location. Doors close at 5 PM. Monday, June 30: Our new location will be open for business, normal hours 9 AM to 5 PM.   This newly renovated location will have a convenient drive up ITM, two ITMs inside and an exceptional team of First New York Member Experts to provide the same top notch service to which our members are accustomed. Please note, the drive up ITM at the WellNow on Altamont Avenue will remain in place.   --- Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions and much more! window. FB3D_CLIENT_DATA = window. 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FB3D_CLIENT_LOCALE && FB3D_CLIENT_LOCALE. render && FB3D_CLIENT_LOCALE. render; In this Issue: Your “It’s Your Money” Recap It’s Your Money: April-June issue features First New York Federal Credit Union’s most recent news and promotions! Learn everything you need to know by reading the issue above. If you want to see our biggest highlights, see our standouts below: Join Us at Our 2025 Member Appreciation Days! Mark Your Calendars! Our 2024 Year-in-Review Annual Meeting Don't Fall for Fake Texts! Put Your Safety First Build a Foundation with Our Home Loans Letter from our CEO, Lucy Halstead And much more! --- Scholarship Program will return in 2026! Stay tuned for more information coming in the fall. Congratulations to Our 2025 Scholarship Winners! Thomas B. Brianna D. Mia J. Vincent K. --- E-Statements are the new way to bank faster, smarter, and environmentally friendly. Learn how to enroll using First OnLine and FNY On-The-Go. Electronic account statements (e-statements) are a faster, safer, and greener option compared to getting your account statements in the mail. It's one less piece of mail to handle and an easy way to go green. In this guide, we’ll walk you through the basics of e-statements and how you can sign up through online banking our our mobile app. Let’s get you set up! Table of Contents: · How to Set Up e-statements in Online Banking · How to Set Up e-statements in the Mobile App What is an E-Statement? An e-statement is the electronic version of your account statements. You typically receive a bank statement every month that details your checking or savings account activity. If you’ve not opted into e-statements, you’ll usually receive these paper statements through the mail. Otherwise, your electronic statement will be sent to your online account and possibly your email. Just like a paper bank statement, your electronic bank statement will include your account balances, account numbers, statement period, or any additional account holder information. For example, if you have a checking account through your financial institution, your e-statement will document your account transfers, spending habits, and other account activity. You can easily review your banking statements by downloading your statements online. If you want to learn more about e-statements and their main benefits, I suggest you read our “What is an E-Statement” article. Now, let’s cover step by step how you can set up your First New York E-Statements. How to Set Up... --- Propel your banking into the future with a safer and faster payment method: Digital Wallet. Learn what it is and how to set it up in 4 easy steps. Read now! Setting up a digital wallet gives you the ability to easily pay for your purchases without carrying a wallet. It’s safe, secure, and easily accessible through major apps like Apple Pay, Google Pay, and Samsung Pay.   While mobile payments are a newer way to bank, there are key benefits to setting up your mobile wallet that you don’t want to miss out on, especially if you’re a First New York Federal Credit Union member! Some of these benefits include: fast payment; private, secure transactions because you’re not sharing all of your card information to the people you purchase from; and not having to carry your wallet around in case of theft or forgotten cards. In this guide, we’ll cover everything you need to know about each type of digital wallet and how you can set it up as an Apple, Samsung, or Google Pay user. Let’s dive in! You can click these links to skip to the set up instruction sections: Apple Pay Samsung Pay Google Pay What’s a Digital Wallet? Also known as an electronic wallet, a digital wallet is a financial transaction application that runs on mobile devices, i. e. a digital wallet app. You may have heard of it referred to as a couple of different things like: Digital wallet app; Digital card wallet; Google wallet; Electronic wallet; Samsung digital wallet; Apple digital wallet; and iPhone digital wallet. Regardless of its name, a digital wallet app has the same function regardless of the name or company.... --- Electronic bank statements (e-statements) are gaining more popularity every year. Learn how they can help you bank faster and more securely. As banking technology becomes more sophisticated, there are more ways for you to use your online bank accounts. From setting up automatic payments to receiving your account statements online, knowing the advantages of online banking can put you ahead. If you’re looking for a more streamlined way to receive your account statements, electronic bank statements (e-statements) may be the right option for you. But what exactly is an e-statement? In this article, we’ll cover everything you need to know. Let's go! What is an E-Statement? E-statement is a shortened word for electronic bank statements. An electronic bank statement (e-statement) contains everything that’d you see in a mailed account statement. It would be sent from your bank or financial institution, and it would contain important information relevant to your account. For example, this could be your account number, account name, statement period, checking and saving account balances, and loan details. Learn how you can set up e-statements in online banking. How Do They Work? E-statements are sent digitally to your account and/or email address every month. Most of the time, you can directly access these digital statements through your financial or credit card institution's mobile banking app or desktop banking service. There may even be cases where you can enroll in a digital and mailed account statement. However, these options are determined by your banking institution. At First New York, you would receive your e-statement every month through online banking or our mobile app. You’d need to have registered for online... --- Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions and much more! window. FB3D_CLIENT_DATA = window. 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FB3D_CLIENT_LOCALE && FB3D_CLIENT_LOCALE. render && FB3D_CLIENT_LOCALE. render; In this Issue: Your “It’s Your Money” Recap It’s Your Money: January/February 2025 issue features First New York Federal Credit Union’s most recent news and promotions! Learn everything you need to know by reading the issue above. If you want to see our biggest highlights, see our standouts below: Our NEW Digital Banking Platform Coming Soon! Our Annual Toilet Paper Drive! Maximize Savings by Refinancing Your Car. Boost Your Financial Wellness with a Financial Well Check. Transform Your Spending with the First New York Visa® Credit Card. Use Your Home's Equity for Anything! Explore Our Tailored Mortgage Options. Information on our 2025 Scholarship Program. Letter from our CEO, Lucy Halstead And much more! --- For Immediate Release Media Contact: Justin Cresswell, V. P. of Marketing & Business Development Call or Text 518-598-3917 Rotterdam, NY – First New York Federal Credit Union is excited to announce the relocation of its Rotterdam branch to a new, convenient stand-alone location. In late April 2025, the branch will move from its current address at 1879 Altamont Avenue to 3085 Carman Road. The branch will sit adjacent to the high-traffic Curry Road/Carman Road/Hamburg Street roundabout. The Altamont Avenue location originally opened in August 2005. “We are thrilled to be moving to a new location that offers increased visibility and accessibility for our members,” said Lucy Halstead, President and CEO. “This move reflects our commitment to providing exceptional service and innovative financial solutions to the Rotterdam community. ” In line with First New York’s approach to branch design, the new space will allow for a blend of expert personal service and leading-edge technology. Members can expect to receive personalized financial advice and education as well as conduct transactions, open accounts, and apply for loans. The branch will also include interior Interactive Teller Machine (ITM) kiosks and a 24/7/365 drive-up ITM. The new location is just 1. 6 miles from the current branch, which allows for continuity of service despite the move. Additionally, members accustomed to accessing services in the heart of Rotterdam can continue to utilize First New York’s drive-up ITM kiosk at the WellNow on Altamont Avenue. The ITM location is also only 1. 6 miles from the new... --- For Immediate Release Media Contact: Justin Cresswell, V. P. of Marketing & Business Development Call or Text 518-598-3917 ALBANY, NY – On Wednesday, December 11, 2024, First New York Federal Credit Union will present Catholic Charities Tri-County Services with a donation of thousands of toilet paper rolls transformed into several large Christmas trees. Together, both organizations will dismantle the trees and take the toilet paper donations to Catholic Charities Tri-County Services’ five Capital Region food pantries and two soup kitchens. Members of the media and dignitaries are invited to attend the Toilet Paper Take Down Wednesday, December 11, 2024, 10:00 AM First New York Headquarters, 2 Wall Street, Albany, NY 12205 This is an excellent video and photo opportunity. That morning, we will knock down the toilet paper trees, creating a unique cascade of toilet paper rolls, and start moving the considerable pile out to Catholic Charities Tri-County Services. See photos from year’s past below: This charitable gift will help Catholic Charities Tri-County Services accommodate the 15-20% increase in individuals requiring their services. More specifically, it will help local families and individuals in most need and unable to receive personal care items under the Supplemental Nutrition Assistance Program (SNAP). “The team and members of First New York Federal Credit Union are such a gift to the greater Capital Area Community with this simple gesture of a roll of toilet paper! ” said Catholic Charities of the Albany Diocese CEO Sister Betsy Van Deusen, CSJ. “The longevity of this partnership is... --- The First New York Community Room provides a space for community programs, events and meetings. The First New York Community Room located at our Corporate Headquarters at 2 Wall Street, provides a space for community programs, events and meetings and carries out the credit union's role as a community partner. The Community Room is available Monday-Friday, from 7:30AM until 9:00PM, and Saturday and Sunday from 7:30AM to 6:30PM. You must be a First New York Federal Credit Union Member to be eligible to use the room. The Community Room has a maximum seating available for 32 people. First New York’s Community Room can accommodate up to 32 people and has several amenities: • Television monitor • Handicap accessible features, restroom and entrance • Public Wi-Fi • Space for catering for food and beverage • Coat closet • Customizable seating Reserve the First New York Community Room Community Room Disclaimer: I. PurposeThe purpose of the First New York Credit Union Community Room is to provide space for community programs and events, to fulfill the credit union's role as a community center, where members and the public can attend informational, educational and cultural events. II. Room Policy and Application Procedure:• Any interested parties, hereafter known as Groups, must submit one application per event to the Community Room Coordinator at least two weeks in advance but not more than three months in advance of the date requested. Special arrangements may be made on an exception basis. • Requests for the Community Room can be made by contacting the Community Room Coordinator at (518) 393-1326 ext. 1195 and completing... --- For Immediate Release Albany, NY – The First New York Federal Credit Union Scholarship Program is now accepting applications from high school seniors planning to attend an accredited two-year or four-year college or university in the fall. Four $2500 scholarships will be awarded to deserving high school seniors. One of the scholarships is in memory of Jennie Pennington, a long-time First New York board member and educator. “Since our founding in 1937 as Schenectady Teachers Federal Credit Union, we have been proud to support educators and students,” said President and CEO Lucy Halstead. “Our scholarship program is one more way for us to give back to our roots and help future generations achieve their academic goals. ” The deadline for applications is March 14, 2025. Winners will be announced in early April, and checks will be presented at the First New York Annual Meeting later that same month. Application Deadline: March 14, 2025. Winners will be announced in April. How to Apply: Scholarship applications are accepted here: https://firstnewyork. org/2025-scholarship-program/ Selection Criteria: Be a First New York member in good standing Be a graduating high school senior Plan to attend an accredited two-year or four-year college or university Be an active volunteer and/or active in their community Submit a 250-word essay answering the question: “How would the First New York Scholarship benefit you in pursuing your college career? ” Submit a copy of your high school transcript About First New York: Founded in 1937, First New York Federal Credit Union is a full-service... --- Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions and much more! window. FB3D_CLIENT_DATA = window. 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FB3D_CLIENT_LOCALE && FB3D_CLIENT_LOCALE. render && FB3D_CLIENT_LOCALE. render; In this Issue: Your “It’s Your Money” Recap It’s Your Money: November/December 2024 issue features First New York Federal Credit Union’s most recent news and promotions! Learn everything you need to know by reading the issue above. If you want to see our biggest highlights, see our standouts below: Thank you! With your help, we have won "Best Credit Union" in the Daily Gazette's Best of the Best Awards 3 years in a row! Check out our newly expanded Safety First content library! Our Scholarship Program is Back! Holidays are right around the corner! Learn more about powering up your holiday spending this year. Introducing Debt Protection! A new way to enhance your financial stability. Our Annual Toilet Paper Drive is back! Donate at any of our branch locations today. Letter from our CEO, Lucy Halstead And much more! --- We often hear about email and phone scams, but what about traditional mail scams? Mail fraud remains a serious crime and is a common tactic used by scammers today. What to Watch Out for with Mail Fraud Here are some examples of fraudulent mail that our members have reported after noticing something suspicious: A few of the key signs to look out for that we see in these letters are: Generic Company Names: Legitimate companies usually choose distinctive names. Be cautious of names like “New Home Warranty” or “American Home Protect” that sound overly generic. Sense of Urgency: Scammers often create a sense of urgency. For mail fraud, they might use phrases like “Final Notice” or “Immediate Response Required. ” This is a major red flag if you haven’t received any previous letters. Unrequested Services: Think carefully. If you never requested a home warranty, receiving a final warning for one should raise your suspicions. How to Protect Yourself from Mail Fraud Verify the Source: For any unsolicited mail, always check the source. Start by researching the company online and reading reviews. If you can’t find a website, it strongly indicates that you might be dealing with a scammer. Safeguard Your Personal Information: Never share your social security number, bank account details, or other sensitive information with a company unless you are 100% certain it is legitimate and has a valid reason for needing it. Report Suspicious Mail: If you suspect you have received fraudulent mail, report it to the U.... --- Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions and much more! window. FB3D_CLIENT_DATA = window. 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FB3D_CLIENT_LOCALE && FB3D_CLIENT_LOCALE. render && FB3D_CLIENT_LOCALE. render; In this Issue: Your “It’s Your Money” Recap It’s Your Money: September/October 2024 issue features First New York Federal Credit Union’s most recent news and promotions! Learn everything you need to know by reading the issue above. If you want to see our biggest highlights, see our standouts below: Get Your Kid Saving with our KIDS Banking Program Our Scholarship Program is Back! Check Out Our New Visa® Card Designs Defend Yourself Against the Bad Guys Our FREE Employee Financial Wellness Program Letter from our CEO, Lucy Halstead --- We’re thrilled to announce the launch of TEN brand new Visa® card designs! These exclusive designs are available only at our North Greenbush and Halfmoon Branches. Getting your new First New York Visa® card is quick and easy. Whether you’re a new or existing member, visit our North Greenbush or Halfmoon branches today, and we can print your new card on the spot. Don't miss out! Stop by for your stylish new card today. First New York North Greenbush Branch31 Jordan RoadTroy, NY 12180 First New York Halfmoon Branch1533 Route 9Halfmoon, NY 12065 GAMER PETS SPRING FOOTBALL CAR BEACH FALL COMIC MOUNTAIN FLORAL --- Our Pet Calendar Giveaway is back! This year you have three chances to win. We will be giving away two $250 Benson's Pet Center gift cards on Facebook, and one $250 gift card on Instagram. PLUS, 14 photos that are submitted through the Facebook giveaway will be chosen to be showcased in the First New York 2025 Pet Calendar. These calendars are available for FREE to First New York members in our branch lobbies beginning in November. Facebook Giveaway There are two easy steps to be entered into our Facebook giveaway for the chance to win a $250 gift card to Benson's Pet Center*. Step 1: Make sure you are following our Facebook page. You must be following the First New York Facebook page in order to be eligible to win. Step 2: Comment your photo with you and your pet's name on our Pet Calendar Giveaway post. Reminder! Commenting a photo of your pet on this post automatically puts them in the running to be one of the 14 pets that will be featured in our 2024 Pet Calendar! Please submit pictures with the highest resolution (300dpi or 11x8 is preferred). Winners may be contacted for a higher resolution photo. Enter the Facebook Giveaway Instagram Giveaway Our Instagram giveaway is also two easy steps and you'll be entered for a chance to win a $250 gift card to Benson's Pet Center*. Step 1: Follow our Instagram page - @firstnewyorkfederalcreditunion. You must be following our Instagram page in order to... --- As technology evolves, so do the tactics fraudsters use to scam potential victims. One of the latest scams gaining traction is “selfie spoofing. ” What is Selfie Spoofing? Selfie spoofing is a scam where fraudsters use their intended victim's selfie to verify their identity and open fraudulent accounts. Scammers use various tactics to obtain these selfies. One method is posing as a trusted business or individual and requesting photos of your face from multiple angles. Once they have these images, they can impersonate you. Additionally, they may steal pictures from social media to achieve the same goal. The Impact of Selfie Spoofing Selfie spoofing is more prevalent than you may think. According to a 2023 report by Socure, selfie spoofing accounted for 20% of identification document fraud. This highlights the importance of increasing our awareness of these emerging scams and protecting our personal information. Specifically, individuals aged 50 years and above tend to be the most common target for these newer scams. In fact, 49% of all selfie spoofing attacks are directed at this age group. This demographic tends to be more vulnerable because they may be less familiar with the latest threats. How to Protect Against Selfie Spoofing To keep yourself protected from selfie spoofing, consider the following tips: Be Skeptical of Unsolicited Requests: Even if the request appears to be from a trusted source, you should remain wary of any requests for selfies or personal information. Secure Your Social Media: Review your social media settings and make sure... --- Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions and much more! window. FB3D_CLIENT_DATA = window. 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FB3D_CLIENT_LOCALE && FB3D_CLIENT_LOCALE. render && FB3D_CLIENT_LOCALE. render; In this Issue: Your “It’s Your Money” Recap It’s Your Money: July/August 2024 issue features First New York Federal Credit Union’s most recent news and promotions! Learn everything you need to know by reading the issue above. If you want to see our biggest highlights, see our standouts below: Make Your Homeownership Dreams a Reality! Stay Connected This Summer with CO-OP Shared Branching Unlock the Potential of Your Home Equity 403(b) Retirement Plans Explained Congratulations to our 2024 Scholarship Winners! Letter from our CEO, Lucy Halstead --- Do you have a financial plan that will help you send your kids to college, take the tripsyou’ve dreamed about, and enjoy your golden years? If not, you may want to startplanning now. Creating a financial plan may help you avoid the financial insecurity experienced by morethan 15 million Americans aged 65 and older (approximately one-third of America’s olderadults) who rely on incomes of $27,180 a year or less, according to The National Council onAging (NCOA). They struggle with rising healthcare bills and housing costs, poor nutrition,lack of access to transportation, and more. Even older adults who aren’t consideredfinancially insecure may have difficulties meeting their monthly expenses—especially ifthey suffer a major adverse life event. Planning ahead is one of the best ways to avoid or minimize the chances of thishappening in your life. Set goals, and plan your route for achieving them. The earlier youstart, the better off you’ll be. How to Start Creating Your Financial Plan Creating a road map of financial goals should include short-term, intermediate, and long-term goals. While a lot of people think about what they’d like to have at different stagesof life, not many of them have an actual plan to reach those goals. Schwab’s 2021 ModernWealth Survey found that only 33% of Americans have taken the time to create a writtenfinancial plan. The other 67% said they didn’t have time to develop a plan—or they didn’thave enough money to bother making a plan. Getting started on a financial plan doesn’t necessarily take a lot... --- Navigating the loan process can feel intimidating, and ensuring that you lock in a loan rate that aligns best with your financial goals is vital. Whether you are considering a mortgage, purchasing a new car, or applying for a credit card or personal loan - understanding the differences between fixed versus variable rates is crucial in making a decision that works for you. What is a Fixed Rate? If you are looking for a stable and reliable monthly payment - a fixed rate is for you! Fixed refers to something that "remains constant and unchanged. " In terms of a rate, this means throughout the life of your loan, the rate will remain constant and unchanged. Choosing a rate with a fixed term is advisable for someone who wants to budget their monthly payment and not worry about changes to their rate over time. What is a Variable Rate? Unlike fixed rates, variable rates can change throughout the life of your loan based on market conditions. Variable rates are often linked to the prime rate set by the Federal Reserve. As the fed raises or lowers the prime rate, so do the linked rates. Many find these rates more appealing because they offer a lower rate for the initial term. For example, with our 10/1 Adjustable Rate Mortgage (ARM), you receive a fixed rate below the standard rate for 10 years. This is called the introductory period. After that the rate increases or decreases once a year. These rates are... --- Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions and much more! window. FB3D_CLIENT_DATA = window. 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FB3D_CLIENT_LOCALE && FB3D_CLIENT_LOCALE. render && FB3D_CLIENT_LOCALE. render; In this Issue: Your “It’s Your Money” Recap It’s Your Money: May/June 2024 issue features First New York Federal Credit Union’s most recent news and promotions! Learn everything you need to know by reading the issue above. If you want to see our biggest highlights, see our standouts below: Drive a Smarter Deal with a First New York Auto Loan Put Your Money to Work with our Share Certificate Specials Unlock the Potential of Your Home Equity Add Your First New York Visa Card to your Digital Wallet Join us at a Member Appreciation Day! Shred Your Personal Documents for FREE at one of our Shred Day's Letter from our CEO, Lucy Halstead --- Scammers are continuously devising new methods to target potential victims. Recently, there has been a surge in Grandparent Scams. In these scams, the fraudsters exploit the bond between grandparents and their grandchildren to gain access to personal information. They may pose as the distressed grandkid, weaving an elaborate tale of being stranded or facing legal trouble. Or they may impersonate lawyers or authority figures, urgently soliciting money. Grandparent scams tend to peak during Spring and Summer breaks when grandparents are aware that their grandkids are away on vacation. Below are some of the red flags to look out for and tips to prevent you or your loved ones from falling victim to these scams. Red Flags to Watch Out For: Urgent Requests: Scammers tend to employ tactics that create a sense of urgency and apply pressure. This is common with all types of scams and not just grandparent scams. Demanding Secrecy: Fraudsters want to keep things as secret as possible. If someone is demanding that you keep something confidential, that should be a red flag for you. Suspicious Payment Methods: If someone calls and requests payment via Western Union, Venmo, Zelle, or any other money transfer service, it should be considered a warning sign. Tips to Protect Yourself and Loved Ones: Verify their Identity: Before sending any money, verify that you are actually speaking with your grandchild. You could encourage them to call other members of the family or ask questions that only you and your grandchild would know the... --- First New York Federal Credit Union announced today that it will merge with Mohawk Progressive Federal Credit Union, based in Schenectady, New York. Mohawk Progressive Federal Credit Union will be integrated into First New York. For Immediate Release ALBANY, NY – First New York Federal Credit Union announced today that it will merge with Mohawk Progressive Federal Credit Union, based in Schenectady, New York. Mohawk Progressive Federal Credit Union will be integrated into First New York. The merger gained final approval on March 18, 2024 when a large majority of Mohawk Progressive members voted in favor of the move. The official transition of Mohawk Progressive members into First New York will occur Mid-April of this year. With over $473 million in assets, 35,000+ members, eight branches and three high school branches, First New York is currently the third largest credit union in the Capital Region. Mohawk Progressive has $12 million in assets, 1,000+ members, and one branch location. First New York President and CEO Lucy Halstead is confident the merger is a positive step for members of both institutions. “We welcome Mohawk Progressive members into our credit union with open arms and open ears,” said Halstead. “We will continue Mohawk’s great tradition of exceptional service through the transition, and into the future. ” Mohawk Progressive CEO Carole Graver said "We sought First New York out as a partner for this merger. Our members are used to a high level of service, and that’s something both credit unions have always had in common. " Mohawk Progressive’s branch at 1760 State Street in Schenectady will continue to run normally and Mohawk Progressive personnel will be welcomed into First New York. No jobs will be lost due to... --- March 27th UPDATE: This feature requires updating your app to version 2024. 01. 00. 1. Check if your app is up to date by clicking the button below based on what type of phone you have. Tap here for apple phone Tap Here for Android Phone First New York's mobile app is getting even better! Happening on March 26th, FNY On-The-Go's mobile check deposit feature will be getting an upgraded look. Make sure your app is up to date to version 2024. 01. 00. 1 to take full advantage of all these new elements. Homepage Overview: Multi-Check Deposit: In this update members will have the ability to deposit multiple checks in one sitting. All Account Types Images: Members will now be able to see check images & deposit images to show for all account types. In the previous versions, these images were only available for Checking and Money Market Accounts. Reminder: When using the mobile app to deposit a check, make sure you have signed the back of the check as well as including the line: "For Mobile Deposit only at First New York FCU" If you have any questions regarding these updates, please contact our Contact Center by texting (518)-393-1326 or call to speak with a Member Service Specialist. Contact Center is available Monday-Friday from 8 a. m. until 6 p. m. and on Saturday from 9 a. m. until 1 p. m. --- In today's digital world, it is crucial to recognize the warning signs of a scam and the ways to avoid being scammed before it is too late. Here are four red flags to look for when you may be dealing with a potential scammer: Impersonation: Scammers often pose as trusted businesses like the IRS, Medicare, or other reputable businesses. Always remain cautious if someone is claiming to be affiliated with an organization that you know. Too Good to be True: If you receive messages about unexpected prizes or problems that require immediate action, proceed with caution. Scammers may falsely claim that you owe money or have won some kind of contest. Pressure Tactics: Scammers thrive on urgency. They'll pressure you to act swiftly, often using threats or fear tactics. Take a step back and think critically before making any decisions. Payment Requests: Be wary if you're asked to pay using unconventional methods, such as gift cards or money transfer services like Zelle and Venmo. Legitimate organizations rarely demand payment in these ways. While it’s impossible to entirely prevent scammers from reaching out to you, there are several proactive measures you can adopt to minimize the risk of falling victim to scams. Here are five steps you can take to safeguard yourself from scams: Block the Scammers: When you encounter a suspicious phone call or text message, take action to block that number. By doing so, the scammer can not continue to reach out. Protect Your Personal Information: Legitimate organizations will... --- Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions and much more! window. FB3D_CLIENT_DATA = window. 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FB3D_CLIENT_LOCALE && FB3D_CLIENT_LOCALE. render && FB3D_CLIENT_LOCALE. render; In the Issue: Your “It’s Your Money” Recap It’s Your Money: March/April 2024 issue features First New York Federal Credit Union’s most recent news and promotions! Learn everything you need to know by reading the issue above. If you want to see our biggest highlights, see our standouts below: Manage your money anywhere with our Mobile App Take advantage of our Share Certificate Specials Board of Directors Update Save the Date: April 25th at 5:50 PM for the Annual Meeting Use Your Home's Equity for Anything! Limited Time Offer: 4. 99% Promotional Rate on Credit Cards Why you should refinance your Auto Loan with First New York Letter from our CEO, Lucy Halstead --- First New York is happy to announce that First Online and our Mobile app are getting an upgrade! Starting on February 27th, you will notice visual enhancements as well as new functionalities to better your digital banking experience. Let's break down all the new elements on First Online! Branding: The top header will no longer have a background color. This will give a more clear and consistent look throughout. All buttons on this screen will now appear in blue. Favorites: You are now able to "favorite" certain accounts which will move that account to the top of the screen under Account Summary. Utility action: You will have faster access to move your funds under each account. Account masking: Account numbers will be defaulted to last 4 characters for all account categories. Main action: Depending on the account type, you will have the ability to make a payment with this new button. External accounts: An addition button can be seen at the end of the account listing to add any external accounts you may have. Here's all enhancements for our mobile app: Header icons: All icons have been moved to the right of the screen and now include a settings icon for easier access. Favorites: You are now able to "favorite" certain accounts which will move that account to the top of the screen under Account Summary. Secondary action: Under each account, you will be able to view it's latest transactions. Primary action: Depending on the account type, you will have... --- Multi-Factor Authentication (sometimes called MFA), is a powerful way to keep your accounts secure. Think of it like an extra lock on the digital doors to your accounts. Multi-factor authentication requires a user to provide a combination of two or more credentials to verify their identity during the process of logging in. The most common combination of credentials is a code texted to your phone or email, along with your password. We also support the use of email, an automated phone call and authenticator apps in place of a text message. REMEMBER: Your security is our priority! First New York will never call or text to ask for your member number, social security number, or any other sensitive personal information.  If you receive a call, email, or text message requesting sensitive information, ignore the request and call our Contact Center (518)-393-1326 opt 2 to report the incident. Enabling multi-factor authentication increases the security of your accounts because if one credential becomes compromised, the unauthorized user will be unable to get the second credential to access your accounts. This makes it much harder for hackers to gain access to your accounts and steal your personal information. Turning on multi-factor authentication for our online banking, First OnLine, and our mobile app, FNY On-The-Go is easy! Step 1: Go to My Settings within First OnLine and FNY On-The-Go. Step 2: Scroll down to Login & Security. Step 3: Click Edit next to Security Options under Login & Security. Step 4: Choose where you... --- Phishing occurs when a scammer sends emails or text messages impersonating another person or company to try to steal your personal information (passwords, account numbers, Social Security numbers, etc. ). Sharing your personal information with this scammer could give them access to your email, bank, or other accounts. They even could sell this information to other scammers. Although scammers are always updating their tactics, here are some of the most common tactics used in phishing emails or text messages: "There has been some suspicious activity or log-in attempts. " "There is a problem with your account or payment information. " "You need to confirm personal or financial information. " Sending a link to click on to make a payment. Always stay vigilant and think before clicking on a link in an email or text message from a company. These links could be malicious software that scammers use to get access into your computer and steal information. If you receive an email or text message that asks you to click on a link or open an attachment, ask yourself "Do I have an account with this company or know the person who contacted me? " and check the links before clicking on anything. When in doubt, reach out to the company or person to see if it is actually them contacting you. REMEMBER: Your security is our priority! First New York will never call or text to ask for your member number, social security number, or any other sensitive personal information.... --- Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions and much more! window. FB3D_CLIENT_DATA = window. 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FB3D_CLIENT_LOCALE && FB3D_CLIENT_LOCALE. render && FB3D_CLIENT_LOCALE. render; In the Issue: Your “It’s Your Money” Recap It’s Your Money: January/February 2024 issue features First New York Federal Credit Union’s most recent news and promotions! Learn everything you need to know by reading the issue above. If you want to see our biggest highlights, see our standouts below: Our KIDS Banking Program is Growing! 2024 First New York Scholarship Program Details on Commercial Real Estate Loans Use Your Home's Equity for Anything! Easy Drive: Like a Lease, Only Better Congratulations to Giuliana, our 2023 Millionaire! Letter from our CEO, Lucy Halstead --- Gift card scams are on the rise, and are even more popular during the holiday season. First things first - no legitimate business or government agency will ask for payment in the form of a gift card. Keep reading to learn how these gift card scams work, the most common gift card scams, and what to do if you think you might have been a victim of a gift card scam. How Gift Card Scams Work Scammers may contact you by texting, calling, or messaging on social media to trick you into purchasing a gift card for payment. Here are some of the most common tactics that scammers use to trick you into a gift card scam: Urgency: Scammers don't want you to have time to think about what they're saying or talk to someone you trust. They create urgency by saying you need to pay them right away or something may happen. Specific Gift Cards: Scammers may tell you to put money on a specific gift card like Amazon, Target, or Apple, or tell you to purchase the gift card from a specific store like Walmart, Target, or CVS. They also may tell you to purchase gift cards at multiple stores so that cashiers will not get suspicious. Ask for Gift Card Number and Pin: If a scammer can get the gift card number and pin from the back of your gift card, then they have access to all the money that has been loaded on the card. Don't... --- Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions and much more! window. FB3D_CLIENT_DATA = window. 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FB3D_CLIENT_LOCALE && FB3D_CLIENT_LOCALE. render && FB3D_CLIENT_LOCALE. render; In the Issue: Your “It’s Your Money” Recap It’s Your Money: November/December 2023 issue features First New York Federal Credit Union’s most recent news and promotions! Learn everything you need to know by reading the issue above. If you want to see our biggest highlights, see our standouts below: Gazette's Best of the Best People's Choice Award Results New Share Certificate of Deposit Exclusive Holiday Specials Turkey Tuesday Event Details Pet Calendar Details Annual Toilet Paper Drive Letter from our CEO, Lucy Halstead --- Happy World Financial Planning Day! World Financial Planning Day - celebrated on October 4 this year - raises awareness of the importance of financial planning. It's a great opportunity to take charge of your financial health and plan for your future. A financial plan can help you achieve your goals and live your dreams.  But where do you start? Great question!   At First New York, we offer a free service called a Financial Wellness Check. A Financial Wellness Check is a comprehensive review of your current financial situation and personalized recommendations for improvements. A Financial Wellness Check can help you: Understand and improve your credit score Identify your short-term and long-term financial objectives Find ways to save money Plan for retirement and other milestones Learn about our products and services that can benefit you Click here to schedule your Financial Wellness Check today. Our friendly and knowledgeable staff will happily assist you and answer any questions. Take control of your finances, and plan for tomorrow with a no-cost, no-obligation Financial Wellness Checkup. --- First New York members and families get free Family Online Digital Security Training! Use our KnowBe4 platform to get learning! Fraud Hurts. Protect Yourself Against the Bad Guys. Here's How. In today’s deeply connected world, technology permeates almost every aspect of our lives, so it is essential to prioritize your cybersecurity. It is crucial to adopt a comprehensive approach to protect our digital lives. Here are some practices and strategies to consider: Online criminals are sending fraudulent text messages, emails, and phone calls impersonating financial institutions. Their goal is to trick you into revealing sensitive personal information. It is vital to remember: First New York will never contact you to request your member number, social security number, or any other personal information. If you receive a call, email, or text message requesting sensitive information, ignore the request and call our Contact Center (518)-393-1326 opt 2 to report the incident. Rock Solid Passwords: You know those passwords you use? Make them unique and strong! Mix up uppercase and lowercase letters, numbers, and symbols. And please, no easy-to-guess stuff like birthdays or names. Extra Locks with MFA: Ever heard of multi-factor authentication (MFA)? It's like having an extra lock on your digital door. When you log in, you'll need a code from your phone or something else you have, along with your password. Stay Updated: Just like you update your apps for new features, update your devices and software for security patches. This helps keep those sneaky hackers away. Lock it Down with Encryption: Look for "https://" in your browser's address bar. That little 's' means the connection is secure. Also, consider... --- Your latest issue of "It's Your Money" has arrived. Read our August 2023 issue to learn about our latest promotions and much more! window. FB3D_CLIENT_DATA = window. 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FB3D_CLIENT_LOCALE && FB3D_CLIENT_LOCALE. render && FB3D_CLIENT_LOCALE. render; In the Issue: Your “It’s Your Money” Recap It’s Your Money: August 2023 issue features First New York Federal Credit Union’s most recent news and promotions! Learn everything you need to know by reading the issue above. If you want to see our biggest highlights, see our standouts below: Share Certificate Specials CO-OP Shared Branch Network Hybrid/Electric Vehicle Interest Rate Discount Home Equity Line of Credit Advantages Letter from our CEO, Lucy Halstead --- First New York members and families get free Family Online Digital Security Training! Use our KnowBe4 platform to get learning! First New York members and families get free Family Online Digital Security Training. Use the password homecourse to get started. Go Now What is KnowBe4 KnowBe4 is user-friendly for the whole family and is completely free for our members. First New York takes your online digital security seriously; that's why we offer this integrated training course which provides online security awareness training combined with simulated security attacks. It’s time to learn about the risks and stop being victimized by hackers, online predators, and criminals.  Keep yourself and your family safe online. KnowBe4 8 Internet Security Topics Passwords:Learn 10 important rules about creating and using passwords. Identify what works, what doesn’t work, and what hackers don’t want you to know. Online Banking Security:Learn about the risks of online banking and what you need to do to remain safe when banking online. Because online banking carries greater risks than many other types of internet activities, identify methods in minimizing your risk and keeping your accounts safe. Keeping your Identity Safe from Identity Thieves:When internet thieves steal your identity, they steal your time, your money, and your good reputation. Learn the tips for protecting your identity online. Avoiding Malware:Identify the threats your computer is exposed to and how to go about protecting against them. Keeping Your Personal Information Confidential:Learn the keys to keeping your personal information... well... personal! criminals can use your personal information against you. Whether it’s stealing your money, your identity, your credit, or all of the above. Identify the keys to keeping your... --- Learn the essential commands to use First New York's text banking. Get started by sending a text message to 454-545. When you send a text message to 454-545, you'll be connected to your account information, quickly, and securely, at any time.  The shortcode messaging exchange allows you to stay on top of your financial matters. With Automated Text Banking, you can see your checking and savings balances, transfer funds, and view the last five transactions on these accounts. Register your phone for text messaging by logging into your First OnLine account, going to the mobile banking and alerts tab, and clicking the activate button to follow the quick three-step process to register for this free* service. Commands Text these commands to 454-545 to operate First New York's text banking service. Bal all View all your account balances Last View your last 5 transactions on the primary account Trans Transfer funds to the primary account Bal chk View the account balance of a checking account Bal sav View the account balance of a savings account Help Receive a full list of shortcodes Stop Deactivate text message banking service Need Help: Contact Us If you need assistance, contact our Contact Center to get assistance or reenroll in text banking. *First New York Federal Credit Union does not charge a fee for the use of our Mobile Banking service. Depending on your service data plan, you may incur web charges or text messaging fees. Check with your mobile service carrier to get more information. --- Knowing how to read a bank statement is the first step to tracking your finances. Learn how in our KIDS Banking article! If you're a teenager, you may be able to receive your first debit card soon. When you get it, you'll want to know some banking basics like how to read a bank statement. So, "What is the purpose of a bank statement? " It's a beneficial skill that will help you track your spending habits. It will also help you catch any fraudulent activity or pending transactions on your account. Plus, it only takes a few minutes to review! In this guide, we'll walk you through what a bank statement is and how to read one. This way you can start successfully tracking your spending while learning an essential financial literacy skill. Let's get started! What is a bank statement? Essentially, a bank statement is a detailed overview of your checking and savings accounts. You typically receive bank account statements monthly from your bank, credit union, or financial institution. You can either get a paper statement or an electronic statement (e-statement) depending on how you choose to receive it. If you're eligible, teenagers can be enrolled in First New York's e-z access account. This debit card program allows teens to save and spend while receiving their own e-z access account statements. What do bank statements look like? Bank or account statements look like long detailed receipts. They show your deposits and withdrawals over some time. An example of a deposit would be birthday money you put into your bank account. An example of a withdrawal would be the money you... --- Here are the top 9 benefits of mobile banking. Learn what they are and why you should make the switch to mobile banking today! There are numerous benefits of mobile banking. That’s why so many banks are creating mobile apps that have enhanced user experiences and premium features. So, why should you make the switch to mobile banking? There are nine main reasons why you'll want to upgrade your banking experience. Discover the best mobile banking app features that you're going to want to use. Let’s get into the nine mobile banking app benefits now! Benefit 1: Bank Online for Free Many financial institutions make it easy for members to use their mobile banking apps. One of the ways they do this is by offering free mobile applications that you can download. First New York Federal Credit Union offers FNY On-The-Go, First New York's free mobile banking app, for your iPhone, Android, and Kindle device. From interactive experiences to exclusive offers, there are so many new developments being implemented to improve users’ experiences. Benefit 2: Bank on Your Time Banking shouldn’t be complicated and require you to block out time on your calendar. Mobile banking solves this issue. It allows you to bank on your time 24/7/365. So, you don’t need to rush to your local branch before it closes or it gets too busy. Benefit 3: Bank Conveniently How often has bad weather, limited branch hours, or a busy schedule prevented you from getting to the bank? With mobile banking, it’s not a problem. You can bank wherever you go directly from your phone. All you need is the internet and the mobile app. Benefit 4:... --- Online banking is transforming the way you manage your finances. Learn the top seven benefits of online banking and make the switch today! Online banking services get more robust every day. From emerging technologies to exclusive digital services, people have the ability to bank online while still accessing the same products and services as a brick-and-mortar location. If you’re looking to make the switch to online banking, now’s the time to understand the benefits of online banking and how it can help you with your banking needs. In this quick and easy guide, we’ll cover seven key online banking benefits and how you can start banking online today. Let’s get into the advantages of online banking! Benefit 1: Bank Wherever You Go! Online and mobile banking makes it easy for you to do all of your traditional banking from the privacy of your home. You can also online bank wherever you have a secure internet connection. So, if you’re someone who travels frequently or can’t make it to the bank in person, online banking services can be a major advantage. Benefit 2: Bank Whenever You Want 24/7/365! Can’t make it to the bank before close? No worries, online banking lets you bank whenever you want. It’s available every day at any time wherever you have an internet connection. This is a great option for parents who have busy schedules, people who have to work during their bank's business hours, or anyone who'd like to save themselves time and money driving to the bank! Benefit 3: Products & Services at Your Fingertips Online banking continues to adapt to members’ needs. You’ll find that many... --- If you’re thinking about making the switch to electronic bank statements, learn these six e-statement benefits. Read more. If you’ve been thinking about signing up for electronic bank statements (e-statements), now’s the time to opt-in — because you're not going to want to miss out on these e-statement benefits! Technology is better. Security and digital privacy have increased. Don’t even get us started on new apps with better features! Why start receiving e-statements now? A lot of financial institutions have started offering incentives to those who make the switch. And, if you’re a First New York Federal Credit Union member, this includes you, as well! Here, are the six main reasons why you should start enrolling in e-statements. Because who doesn’t like additional advantages? Six E-Statement Benefits Enrolling in e-statements doesn’t just mean you’re going paperless with electronic bank statements. There’s so much more to it. Check out the six e-statement benefits! 1. Additional Incentives Many banks and credit card companies are happy to share exclusive incentives with people who opt into digital services. For example, First New York Federal Credit Union (FCU) has a special program for First New York e-members. First New York FCU e-members are credit union members who are enrolled and use certain digital banking services. One of those services is being enrolled in e-statements. That’s just our credit union’s perks provided. Some additional incentives offered by other institutions can include lower rates, lower to no fees, and promotions. 2. Simple Sign Up Right now, financial institutions are making it easy for you to switch to e-statements. For instance, First New York makes it... --- Your latest issue of "It's Your Money" has arrived. Read our March & April 2023 issue to learn about our latest auto promotion and much more! window. FB3D_CLIENT_DATA = window. 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FB3D_CLIENT_LOCALE && FB3D_CLIENT_LOCALE. render && FB3D_CLIENT_LOCALE. render; In the Issue: Your “It’s Your Money” Recap It’s Your Money: March and April 2023 issue features First New York Federal Credit Union’s most recent news and promotions! Learn everything you need to know by reading the issue above. If you want to see our biggest highlights, see our standouts below: First New York Opens the Spartan Branch New Visa Offer Ends March 31 Member Appreciation Days Start April 1st Our Annual Meeting is Back First New York Opens the Spartan Branch On January 27, 2023, the First New York Spartan Branch officially opened at Burnt Hills-Ballston Lake High School. Discover why students and faculty are excited to have a fully operational branch within their high school. Read more about the Spartan Branch today! READ MORE New Visa® Offer Ends March 31 Have you seen our most recent First New York Visa® Credit Card offer? Don't miss the chance to get in our exclusive offer ending March 31. Learn about it today! LEARN MORE Member Appreciation Days Start April 1st Our Member Appreciation Days for 2023 are here! Learn everything you need to know on our website today. Mark your calendar! MARK YOUR CALENDAR Our Annual Meeting is Back Our Annual Meeting is back! Register through our Events Calendar today to learn everything First New York has accomplished in 2022. Register now! REGISTER NOW --- Download our quick cheat sheet that covers our article, "Your 2023 Financial Calendar: How to Plan Now." Go now! Download our Infographic Today! You can download our cheatsheet infographic that covers our article, "Your 2023 Financial Calendar: How to Plan Now. " Don’t Wait to Start Investment Planning: Contact Don & Eric Today! While our 2023 financial calendar is a great guide, don’t let it stop you from reaching out to Don and Eric sooner! To schedule an appointment with a First New York Retirement & Investment Services Representative, please call (518) 393-1326, extension #1302 or visit the FNY RIS Advisor's website or sign in here if you currently have an investment account. Check the background of investment professionals associated with this site on FINRA’s BrokerCheck. Disclaimer *Representative is not a tax advisor. For information regarding your specific tax situation, please consult a tax professional. FR-3454861. 1-0221-0323 This material was created for educational and informational purposes only and is not intended as tax, legal or investment advice. All investing involves risk including loss of principal. No strategy assures success or protects against loss. First New York FCU provides referrals to financial professionals of LPL Financial (“LPL”) pursuant to an agreement that allows LPL to pay First New York FCU for these referrals. This creates an incentive for First New York FCU to make these referrals, resulting in a conflict of interest. First New York FCU is not a current client of LPL for advisory services. Please visit lpl. com/disclosures/is-lpl-relationship-disclosure. html for more detailed information. The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only... --- Download our Fixed Annuities Quick Checklist Infographic today! You may be eligible for this unique product. Download Our Free Fixed Annuities Infographic Today! As a fun addition to our "How Do Annuities Work: Your 101 Guide," you can now download our fixed annuities quick checklist today! It's free and easy. Contact First New York Retirement & Investment Services If you need help, First New York Retirement & Investment Services can assist you with annuities. Our investment professionals can help you better understand annuity products and annuity contracts while helping you determine if an annuity would help you accomplish your long-term financial goals. To schedule an appointment with one of First New York Retirement & Investment Services’ Investment Professionals, please call (518) 393-1326, extension #1302 or visit the First New York FCU Retirement & Investment Services Advisor's website or sign in here if you currently have an investment account. Check the background of investment professionals associated with this site on FINRA’s BrokerCheck. Disclosure Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRA penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value. This material contains only general descriptions and is not a solicitation to sell an insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent. This article is intended to... --- Do you know what annuities are and how they work? If you’re in your 40-50s, you need to know the answers to better plan for retirement. If you’re someone planning for retirement, you may have heard the term annuity before. But, what are annuities and how do annuities work? In this guide, we’ll walk you through what you need to know about annuities, including the different annuity types and how people use them to supplement more traditional sources of retirement income, e. g. Social Security and pension plans. Let’s get started! You can also download our "How Do Annuities Work" infographic or visit our infographic page. Annuities An annuity is an investment that is issued by an insurance company. They’re essentially insurance contracts designed to help supplement your retirement income. Whereas Life insurance protects your family when you pass away too early, annuities can help keep you from outliving your retirement assets. There are three main types of annuities: fixed annuities, variable annuities, and index annuities. Annuities can also have different payout options, lump sum or payments over a specific period of time or lifetime. Fixed annuities Fixed annuities offer the least amount of risk and the most predictability, according to annuity. org. Some Fixed annuities also do not charge any fees to purchase them. A fixed annuity has a guaranteed fixed interest rate and the safety of the principal. In other words, you’re guaranteed to receive your principal investment back after a specific period of time. A good way to think about this: “you’ll never earn less than the guaranteed interest rate, regardless of how the insurance company’s investments perform,” says annuity. org. Annuities are... --- Learn the three main Q&A's surrounding fixed annuities. Download our Fixed Annuities Q&A Infographic today! Download our Fixed Annuities Q&A Infographic Today! Don't have time to read the entire "Fixed Annuities: Your Q&A with Don Dorr" article? We understand. That's why you can download and print our Fixed Annuities Q&A infographic today! Contact First New York Retirement & Investment Services Learn if a fixed annuity aligns with your retirement goals by scheduling an appointment with one of First New York Retirement & Investment Services’ professionals. Call (518) 393-1326, extension #1302, visit the First New York FCU Retirement & Investment Services website, or sign in here if you currently have an investment account. Check the background of investment professionals associated with this site on FINRA’s BrokerCheck. Disclosure Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRA penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value. This material contains only general descriptions and is not a solicitation to sell an insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent. This article is intended to assist in educating you about insurance generally and not provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may... --- Fixed annuities guaranteed rates are at a record high. In this Q&A, Don Dorr explains why you should look at fixed annuities today! Today, we’re sitting down with Donald L. Dorr Jr. , Certified Financial Planner™ (CFP®), to go over what you need to know about fixed annuities! Donald (Don) is a part of the First New York Retirement and Investment Services team. He has over 31 years in the finance industry and specializes in financial planning. In addition to his experience, he has a Certified Financial Planner™ (CFP®) designation and holds his Series 6, 63, 66, and 7 Financial Securities Registrations with LPL Financial. He’s excited to give you more information about how they can help you with retirement. Let’s hand this over to Don and get his answers to your questions! Download our quick reference infographic or visit our Fixed Annuities Q&A infographic page. Q1: What are Fixed Annuities? Don: Annuities is a common term that’s used in retirement planning. Essentially, an annuity is an investment that is issued by an insurance company. There are three main types of annuities, including fixed, variable, and index. In this Q&A, we’ll be focusing on fixed annuities! Like other types of annuities, fixed annuities are fundamentally insurance contracts designed to help supplement your retirement income. Whereas Life insurance protects your family when you pass away too early, annuities can help keep you from outliving your retirement assets. Depending on the annuity you choose, you’ll receive different payout options, lump sum, or payments over a specific period of time or lifetime. So, what makes an annuity “fixed”? It’s simple: A fixed annuity has a guaranteed... --- Plan your investments using our 2023 financial calendar. We’ll walk you through key months to start investing and managing your accounts. Your 2023 Financial Calendar: How to Plan Now When you’re ready to plan for the year ahead, reference your custom First New York Federal Credit Union (FCU) 2023 financial calendar. We’ve also included the important financial dates below in our events calendar, so you can ensure you’re hitting deadlines and reaching your monetary goals. In this blog, we’ll cover when to start: 401k planning Preparing for tax deadlines Managing your 529 accounts Age-based investing Setting up and monitoring 403b plans Planning for the year ahead Introducing and implementing account diversification Attending First New York Retirement & Investment Services (RIS) quarterly seminars Meet your First New York RIS team So, whether your 2023 financial goals are to start your taxes early or save enough annually for retirement, use this 2023 financial calendar as your starting point. Don’t forget to maximize your First New York FCU membership by setting up an appointment with your First New York Retirement & Investment Services team. Download our infographic or visit our "Your 2023 Financial Calendar: Your Quick Cheat Sheet" infographic article. January & February: Prioritize Your Taxes Did you know that taxpayers often submit their taxes as early as mid-January? By not rushing, you can give yourself more time to collect the documents and information your need to claim all of your deductions. Plus, it can help you get your refund sooner and minimize your risk of identity theft, according to Investopedia. First New York’s RIS team can help you retrieve your 1099s for your... --- Car buying shouldn’t be hard. First New York’s Erika Carroll explains why you should look in Easy Drive and its four key benefits. Written by: Erika Carroll, First New York Senior Real Estate Loan Expert If you’re searching for a brand new or a newer preowned vehicle, it can be hard to find the right car that meets your needs and budget. Even if you’re considering buying out your current lease, you may end up with a different (and possibly more expensive) monthly car payment. Car buying shouldn’t be this hard. As First New York Federal Credit Union’s Senior Real Estate Loan Expert, I can give you my best new car buying tip and used car buying tip: Look into First New York’s Easy Drive Program. I’ve seen it tick all of the boxes for many people’s different car-buying checklists. That’s because Easy Drive is a lease-like auto loan program that has the potential to save you money on your monthly payment, depending on the guaranteed future value of the vehicle you are purchasing.   In this article, I’ll go into more depth on Easy Drive and how it compares to leases. Buckle up and let me show you how you can drive easy with Easy Drive! What is Easy Drive? Easy Drive is First New York’s lease-like auto loan program. It helps individuals buy out their lease at the best auto loan rates available, so you can secure payments up to 40% less than conventional financing. Use our auto loan calculator "Easy Drive Calculator" to discover your payment. How is Easy Drive Similar to a Lease? Now, that you know that Easy... --- If you purchase a new car, you may want gap insurance. First New York’s Erika Carroll breaks down what it is and if you need it. Written By: Erika Carroll, First New York’s Senior Real Estate Loan Expert Many people overlook the value of getting gap insurance for their cars. While they think that their vehicle is worth more than it is, that may not be the reality. So, what can you do to protect yourself financially when you owe money on a depreciated vehicle? My name’s Erika Carroll, and I’m First New York Federal Credit Union’s Senior Real Estate Loan Expert. With my background in the car and financial industry, my simple answer would be to invest in gap insurance and understand how it could protect you and your auto loans.   In this article, I’ll explain why it’s more important than ever in today’s automobile market to know how gap insurance works and what gap insurance covers. This way you can get the best coverage for your new car before you leave the dealership. What is Gap Insurance? Gap Insurance is additional insurance coverage that helps protect you from paying more in case you are involved in an accident and total your vehicle, four-wheeler, snowmobile, motorcycle, or camping trailer. It covers the difference between what your vehicle is worth (this is what your standard insurance will pay) and the amount you owe on your loan. In other words, gap insurance is additional coverage that protects you in case your loan-to-value ratio in an auto loan exceeds the market value of your vehicle itself. How does Gap Insurance work? If you just bought a brand-new... --- On January 27, 2023, First New York and Burnt Hills-Ballston Lake High School officially opened their Spartan Branch. Read more! On January 27, 2023, First New York Federal Credit Union and Burnt Hills-Ballston Lake High School officially opened their new in-school branch, the Spartan Branch. The ribbon cutting took place at 8:30 a. m. at the high school. The new branch will be staffed by student volunteers, who will gain valuable experience by providing basic banking services to their fellow students and staff from the school anddistrict. The Spartan Branch joins Schenectady High School’s Patriot Branch as First New York’s second high school branch. These in-school branches provide a safe environment for student volunteers to practice real-world skills in banking, marketing, business, and more. Anyone interested in joining First New York KIDS Banking Program at the elementary, middle, or high school level, please contact Membership Development Officer Michelle LaVoy at michelle. lavoy@firstneyork. org or (518) 393-1326, ext. 1802. --- Credit score is overlooked in financial literacy for high school students. Learn the essential things you need to know about credit score now! Imagine this. You’re a high school student who’s ready to graduate and start your next phase in life as a young adult. You haven’t taken any financial literacy courses for high school students, and you’re not sure what to do with your new financial freedom. You have money that you saved from your part-time jobs, and now, you’re old enough to apply for credit cards. You think it’s a great idea to start taking out store credit cards to get discounts on your in-store and online purchases. Next thing you know, you’ve taken out multiple credit cards at once, and you’ve put a bunch of different balances on them. You’ve heard the words credit and credit score before, but you have no idea how your new credit cards can help you build and maintain credit, leaving you confused about what to do next. Unfortunately, this is the case for many young adults. They don’t understand that having bad or no credit can hold them back. It can also make their loan payments more expensive and prevent them from renting an apartment. If you want to learn four tips for building your credit, this financial literacy article is for you. In this guide, we’ll go over four easy things you can do to help your teenager or yourself build credit. But, first, let’s go over what financial literacy for high school students is, why young adults must build credit, and why young adults should have a credit score. What is Financial... --- Every day, First New York assists members through their financial journey. Here’s our January 2023 Round Up of our top feel-good moments. Every day, First New York Federal Credit Union (FCU) employees work hard to give you excellent customer service and the assistance you need. We’ve talked to four great employees to hear their exceptional stories about how they’ve helped members. In this January 2023 round-up, you’ll meet: Ben Lawrence, Albany Branch Manager: Phil Craan, Niskayuna Branch Manager; Michelle Maneri, Contact Center Manager; and Kara Sour, First New York Retirement & Investment Services Coordinator. Together, they’ll share the feel-good moments that have left them feeling proud to give members the help they need. Here are some stories they’d like to share with you. Ben: Helping Members in a Variety of Ways “I’ve enjoyed being able to help members and non-members with lower credit scores get approved for a loan they normally wouldn’t; learn to budget to free up money that’s already theirs; and understand their First New York accounts. It’s also been great to hear members state that certain staff is the reason they keep coming back and recommending us,” says Ben. Phil: Took Care of a Frustrating Situation “I had a member who was purchasing a Harley from out of state, and it required the member to contact the Seller to forward him a copy of the title. The seller was giving our member a hard time because in that state the title is held at the bank until it's paid in full, which is different from how we do it in New York,” says Phil. “The member was frustrated and... --- Have you ever wondered who you’re talking to at your First New York FCU Branch or Contact Center? Get to know 4 of our employees in this Q&A. As your local credit union, First New York is full of individuals who live in the same area and bank at the same credit union that you do. To help you get to know us better, four of our stellar employees are opening up to you about their roles and lives. This way you can get to know us better as your credit union organization! Today, we’ll be talking to four great employees with different roles within our organization. Each of them brings their own expertise and personality to our team. In this sit-down interview, you’ll meet: Kara Sour, First New York Retirement & Investment Services Coordinator; Michelle Maneri, Contact Center Manager; Phil Craan, Niskayuna Branch Manager; and Ben Lawrence, Albany Branch Manager. Now that you know who are guests are, let’s get into it. Continue reading to learn more about our guests and why they enjoy helping our members aim higher! Q1: Can you tell our members a little bit about yourself? Kara: My name is Kara Sour. I’m the First New York Retirement & Investment Services Coordinator, and I started this position on May 18, 2020. I went to college at Siena and got my MBA at St. Rose. I am notary and medallion certified. Michelle: My name is Michelle Maneri. I have been in the banking industry for over 20 years, working in a large international bank and a small community bank before landing here as a Floating Branch Manager in 2016. In Early 2020, I was... --- Experts warn you to look out for romance scams around Valentine’s Day. First New York’s Michelle Maneri explains how to protect yourself. Written By: Michelle Maneri, Contact Center Manager Every year, experts ask that people watch out for romance scams around Valentine’s Day. As First New York Federal Credit Union’s Contact Center Manager, I can’t tell you how many times I’ve helped members avoid sending money to a romance scammer pretending to be a love interest. Because Valentine’s Day is right around the corner, I want to go over how you can spot the different types of romance scams. This way you can avoid the emotional and financial distress of being involved in a scam. Let’s get started learning how you can leave romance scammers on read this Valentine’s Day and beyond! What is a Romance Scam A romance scam is when someone uses your emotions to trick you into sending them money. In particular, romance scammers target vulnerable people who are lonely or dealing with a breakup. They use their victim’s heartbreak to establish an emotional connection that will let them manipulate their victim into sending them money. What are the Types of Romance Scams Right now, a majority of romance scammers use online dating platforms or social media apps to contact their potential victims. Because of the physical distance, it’s much easier for them to trick their victims into believing their lies. In this section, we’ll cover the most popular online romance scams. Online Dating Romance Scams: This type of romance scam is one of the most popular. There are hundreds of dating sites and apps online, making it easy... --- It’s always critical to have a game plan. First New York’s Michelle Maneri walks us through a 7-step game plan against account compromises. Written By: Michelle Maneri, First New York’s Contact Center Manager Having a game plan is a great way to set yourself up for success. It can help you reduce stress and avoid common pitfalls that you didn’t plan for. But, did you also know that a game plan can assist you in terms of account compromises? Yes, it’s true! My name is Michelle Maneri, and I’m First New York Federal Credit Union’s (FCU) Contact Center Manager. I help members deal with scams, fraud, and account compromises. Through my experience, I’ve put together the following seven steps, so you can start to secure your accounts and take the necessary precautions to protect yourself from data breaches and phishing scams. Let’s put together your seven-step account compromise game plan now! How Can I Protect Myself Being Compromised Throughout this article, I’ve sprinkled some tips for you to do in order to avoid the three most common ways individual accounts get compromised. The biggest thing I hope you walk away from this article with is to have a game plan. Think about it. Professional sports teams don’t walk onto the field without having set plays. Actors don’t walk on stage without reading the script first. The same thing applies to protecting yourself and your accounts. It’s essential that you know where all of your information is being held online and what accounts you have set up. From there, you can look at and purchase a password manager. This way you can get all... --- Having your account compromised can be an overwhelming experience. Learn 3 common scenarios and how you can protect yourself from them. Written by: Michelle Maneri, Contact Center Manager It can be frightening to think about your personal accounts getting compromised. The emotional toll of a compromised account is enough to leave many people feeling stressed as they try to get their accounts recovered. As First New York Federal Credit Union’s (FCU) Contact Center Manager, I’ve been there to support members when their accounts have been compromised. My role is to be there to ensure the account becomes secure and the member gets the support they need throughout the whole process. To help you avoid this altogether, I’ve put together this informative article to guide you through three common scenarios and how you can protect yourself. Common Scenario 1: Your Password Isn’t Strong At this point, I’m sure that you’ve heard that your passwords are the first defense against people wanting to take over your assets. They’re a key way to prevent hackers from stealing your information or hacking your account. However, in the modern world, people have dozens of passwords and accounts. So, it makes sense that people have overlapping passwords and usernames. But, this convenience can come back to bite you if your account gets compromised. Here are some essential password-creation tips I suggest you use. Because convenience and ease come at a steep price. So, do yourself a favor and give yourself the security strong passwords afford. Use the following tips to create a strong password: 1. Aim for at least 12 to 14 characters 2. Use varied characters... --- When you love your car, but hate your car payment, it's time to refinance your auto loan. Watch our video today! https://youtu. be/CFXeA7YiOu4 When you love your car, but hate your car payment, it's time to refinance. When you love your car, but hate your car payment, it's time to refinance your auto loan. First New York may be able to lower your interest rate and reduce your monthly car payment. Our loan experts make this an easy, comfortable conversation with no risk or obligation to you. Plus, we’ll give you up to one hundred and fifty dollars cash back, and defer your next payment for up to four months. There's no catch, this is just what we do: Save real people real money. Apply online, visit any of our convenient branch locations, or call 518-393-1326, option 3. It’s fast and easy. You'll see why so many people come to First New York for great rates, and stay for great service. Terms and conditions *Rates as low as 2. 49% APR for 24 months. **Up to $150 cash back. ***Defer first payment for up to four months. *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 2013: We will finance the purchase price or NADA value, whichever is lower. 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... --- How does identity theft happen? You can learn the four most common identity theft scenarios and learn how to prevent it in 4 proactive steps. Read more! Written By: Michelle Maneri, First New York Contact Center Manager Identity theft can happen quickly and unexpectedly. You can prevent this from happening to yourself by finding out the answer to “How does identity theft happen? ” My name’s Michelle Maneri, and I’m First New York Federal Credit Union’s Contact Center Manager. In this article, I’ll go over how identity theft happens and some common scenarios. This way you can better shield yourself against potential identity thieves. How Does Identity Theft Happen? Identity theft can leave a lot of unanswered questions. There are many ways identity thieves can access your information. It can be electronically through public Wi-Fi or unsecured networks, over the phone, or as simple as going through mail or trash. Here, are four scenarios to look out for to protect yourself against identity theft. Common Scenario 1: Not Shredding Your Personal Information If you’re not shredding paperwork that contains sensitive information, you could be putting yourself a risk for fraud. For example, identity thieves can go through your trash or mail to search for cash or checks that contain personal information. Instead, make it a priority to shred anything that contains names, signatures, addresses, phone numbers, email addresses, social security numbers, account numbers, medical or legal information, or anything else you consider sensitive. Common Scenario 2: Browsing on an Un-Secured Network Identity thieves and cyber criminals use unsecured networks to view your browsing. They hack into public Wi-Fi networks or pose as real ones waiting for people... --- What’s the difference between identity theft and account compromise? First New York’s Michelle Maneri explains what it is & the 6 steps to protect yourself. Written by First New York’s Michelle Maneri, Contact Center Manager You’ve probably heard the saying, “You don’t think that you'll be a victim of fraud until it happens to you. ” I’m Michelle Maneri, the Contact Center Manager at First New York Federal Credit Union (FCU). All too often, I hear horror stories about people who’ve lost their identity or had their bank accounts compromised. Because I keep myself informed on the latest scams and fraud attempts, I understand the dangers of sharing your personal information. I’ve also helped members prevent and navigate these situations in my role. I’ll walk you through the differences between identity theft and account compromise, so you know what steps you can take to safeguard yourself. We’ll also cover some additional steps that you can use against other types of scams. In this guide, you can do the following: · What is identity theft · What does it mean if my account has been compromised · What’s the difference between identity theft and your accounts being compromised · How to protect yourself Let’s get into the guide on the difference between identity theft and account compromise. If you’re a First New York FCU member, you can always contact the Contact Center to get assistance on identity theft. What is Identity Theft? The USAGov defines identity theft as, “Identity (ID) theft happens when someone steals your personal information to commit fraud. ” These thieves will try to get their hands on your sensitive information, e. g.... --- Are you near the end of your lease term? Learn the top five benefits of lease buyouts and why you should look into it before your lease contract ends. Read more. Written by Erika Carroll, First New York Senior Real Estate Loan Expert Prepare Now for a Potential Lease Buyout Are you near the end of your lease term? If you’re three to six months away from your lease term ending, then it’s time to start thinking about if a lease buyout is right for you. There are several options available to you to choose from, including doing a lease buyout, buying out the car and then reselling it, transferring the lease, doing a trade-in, or extending the lease. However, not all possibilities are alike. In this article, we’ll go over the top five benefits of a lease buyout. Ready to start pinpointing the benefits of this route? Let’s go! What is a Lease Buyout? A lease buyout is when you purchase your vehicle at the end of its lease. It can also be referred to as a purchase option, car lease buyout, or auto lease buyout. It’s important to know that a lease buyout may or may not be available at the end of your lease period. This way you can prepare for the next steps. If a lease buyout isn’t available to you, you’ll need to start researching your next vehicle and any kinds of loans you may need to finance your new vehicle with an auto loan. If a lease buyout is available to you, you’ll need to speak with the organization you leased your car through to find out the lease buyout purchase price. You'll also want... --- First New York’s extended warranties can give you an additional layer of protection for your new and used vehicle. Read how we can help get you covered. Written By: Erika Carroll, Senior Real Estate Loan Expert You never want to think about your car needing expensive repairs. Depending on what's wrong, repair and labor costs can range from hundreds to thousands of dollars. Plus, as your vehicle ages, you may experience more unexpected issues, requiring you to buy costly part replacements. To better shield yourself, it's time you look into purchasing an extended warranty for your new or used vehicle. How Can I Get Started? It can be difficult to research the best-extended car warranty. From coverage plans to purchase prices, you may be wondering what vehicle service contracts are best for your needs. That’s where First New York Federal Credit Union (FCU) can help. In this guide, I’ll explain the benefits of this additional protection plan and how it can help you cover major expenses. Plus, I’ll take a deeper dive into the specific plans we offer for new and used vehicles. Discover how this extra layer of protection can help you in the long run! What are Extended Warranties? An extended warranty is also known as a vehicle service contract. It’s an additional protection plan offered to help cover repair costs on your new or used car. What I like about First New York Federal Credit Union’s extended warranty plans is that they have a great selection of additional products and services. So, you can come to us to secure a great auto loan rate and payment while scoring additional bumper-to-bumper coverage through our extended... --- Every year, elder fraud gets harder to identify. With the number of scams rising, learn the 5 steps on how to protect seniors from scams. Financial scammers are continuously discovering new ways to target and attack potential victims. In 2021, The National Council on Aging found “92,371 older victims of fraud resulting in $1. 7 billion in losses. ” This number is only predicted to increase. So, how can you protect seniors from scams? Whether the senior is an aging parent, relative, or friend, there are five steps you can take to help protect their sensitive information. You can also use these tips to teach your kids or even brush up your own skills on how to avoid a scam. By learning how to protect seniors from scams, you can protect your loved ones from a devastating and costly loss. Let’s get into the five steps on how to protect elderly from scams! Step 1: Understand the Most Common Elder Financial Scams The first step to stopping a scam is to understand what tactics scammers use. More often than not, scammers rely on the same strategies to trick victims because they work. We’ll do a brief overview of the most common scams below. We encourage you to also read our article, “The Five Most Common Elder Financial Scams,” that goes more in depth. Government impersonation scams: Scammers impersonate a government institution like the IRS, Social Security, or Medicaid. They often demand explicit things like personal identifying information and specific forms of payment. This way they can commit identity theft later on. Be aware of anyone calling from a government agency and never trust the phone... --- Financial scams are costly, widespread, and on the rise. Here, are the five most common elder financial scams to be aware of in 2023. Elder Financial Scams: Why You Need to Know Them Financial scams are costly, widespread, and on the rise. Elder financial scams are often the most damaging to their victims, leaving them unable to recover their losses. In a majority of cases, these scams involve one or more fraudsters who target a victim due to their age or income. Con artists attack older Americans because they suspect that they have more income and are more susceptible to falling victim. Elder financial scams are also considered a “low-risk” crime because they often go unreported or are tough to prosecute. However, for the victim, these attacks are damaging and leave them in a vulnerable position where they may not be able to recover their losses. Here, are the five most common elder financial scams, so you have a better understanding of what fraudsters are doing now. Scam 1: Government Impersonation Scams All of the scams below focus on scammers pretending to be from government agencies. It’s common that the scammer will demand explicit things like personal identifying information and specific forms of payment. This way they can commit identity theft later on. It’s important you look out for this suspicious activity. It’s also important that you know scammers can use special technology called “spoofing” to change their zip codes and phone numbers. They do this to trick you into thinking that the caller is from a valid source. Health Care/Medicare/Health Insurance Fraud Scammers target older U. S. residents over 65 that qualify for... --- Get extra exclusive perks when you use specific First New York services! Learn how to become eligible as a First New York e-member today! Get More Perks as a First New York E-Member Are you a First New York Federal Credit Union e-member? As an e-member, you can go greener, access more member benefits, and manage your banking online. It's as easy as using select First New York services! In this guide, we'll cover the four steps you need to take to become an e-member. E-Member Eligibility Requirements First New York makes it easy for you to qualify as an e-member. We classify an e-member based on the services they use. To be eligible as an e-member, you must be someone who has the following services: Transaction account (also known as a checking account) Registered for E-Statements Active Visa® Debit Card Registered for First OnLine internet banking It's all FREE! When you use these services, you get enrolled as an e-member and are eligible for exclusive perks. E-Member Benefits When you enroll in all of the credit union services above, First New York rewards you with exclusive perks. Here's what you can enjoy as an e-member: Unlimited FREE ATM transactions at First New York ATMs 5 FREE non-First New York ATM withdrawals per month 1 overdraft transfer fee waived per month 1 FREE standard outbound account-to-account transfer per month (transfer money between your FNY accounts and accounts you have at other financial institutions) 1 CARFAX® vehicle history report per year Four Steps to Becoming an E-Member You can use these four steps to qualify as a First New York e-member.  Pro tip: You can always call your Member Service... --- It's Your Money: January & February 2023 issue is now available! Read about our latest offerings and programs today! In the Issue: Your "It's Your Money" Recap It's Your Money: January and February 2023 features First New York Federal Credit Union's latest offerings and programs. Discover what's inside the issue by flipping through the issue above or going to each section below. Here, are some article highlights: 2023 First New York Scholarship Program New Product Alert: Fuel-Up Home Heating Loan Notice: Call 24 Ending Soon 2023 First New York Scholarship Program We are now accepting applications for the First New York Scholarship Program. In 2023, we will offer four $1,000 scholarships. One scholarship is dedicated to Jennie Pennington, a long-time board member and educator. To qualify, applicants must: Be a First New York member in good standing Be a graduating high school senior Plan to attend an accredited two-year or four-year college Be an active volunteer and/or active in their community Submit a 250-word essay answering the question: “How would theFirst New York Scholarship benefit you in pursuing your college career? Submit a copy of their high school transcript First New York scholarship applications are available online or any First New York branch. Completed applications can be mailed to First New York FCU, Scholarship Committee, 2 Wall Street, Albany, NY 12205. New Product Alert: Fuel-Up Home Heating Loan With major increases in home heating prices, Capital Region residents face their most expensive winter in years. Nationwide, the average cost of home heating is expected to rise over 17% this winter, according to the National Energy Assistance Directors' Association. Coupled... --- With home heating price increases, we're introducing our new Fuel-Up Home Heating Loan. Read how it can help you save on heating this winter. Heating Prices Are Rising Nationwide, the average cost of home heating is expected to rise over 17% this winter. * Coupled with the already high rate of inflation, this added financial burden places a strain on households across the region. That's why First New York Federal Credit Union launched the Fuel-Up Home Heating Loan! 4 Key Benefits: Fuel-Up Home Heating Loan With major increases in home heating prices, Capital Region residents face their most expensive winter in years. First New York wants to help solve this problem for our members with our Fuel-Up Home Heating Loan. Here, are the four key benefits of our new loan product: Borrow up to $5000 at attractive rates Set-up affordable monthly payments over up to 18 months Give yourself buying power to lock in the best possible fuel rate Gain peace of mind by knowing your home will be warm Apply Now! Learn More & Apply Today! Don't wait for heating prices to increase. Apply now to lock in the best fuel rate! If you have questions about our Fuel-Up Home Heating Loan, our team of local loan experts is here to help. Contact us today at (518) 393-1326 and press 3. We look forward to helping you gain more peace of mind this winter and beyond. Disclosure *Source: The National Energy Assistance Directors' Association **The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. $5,000. 00 maximum loan subject to credit approval.... --- From November 29 - December 31, you can donate to three local charities for Giving Tuesday. Help First New York donate to great local causes! Help Support Our Local Community For the first time ever, First New York Federal Credit Union is running a Giving Tuesday Matching Campaign we will match 50% of your donations to three local charities: Boys and Girls Clubs of Schenectady, Safe Inc. of Schenectady, and Capital City Rescue Mission. From November 29 to December 31, or until our $20,000 in matching funds have been claimed, we'll be giving you the opportunity to give back this holiday season. We have partnered with NetGiver to make sure donating is easy and that all the proceeds go directly to your charity of choice. Click to donate or learn more about our partnering organizations below: boys and Girls club of schenectady Safe Inc. of schenectady Capital City Rescue mission Boys and Girls Clubs of Schenectady The Boys & Girls Clubs of Schenectady (BGCS) helps inspire and enable young people, especially those who need us most, to reach their full potential as productive, caring, responsible citizens. BGCS provides young people within the Schenectady community with: A safe place to learn and grow Ongoing relationships with caring, adult professionals Life-enhancing programs and character development experiences Hope and opportunity Donate Now Safe Inc. of Schenectady Safe Inc. of Schenectady is a non-residential and intensive case management program designed to serve individuals between the ages of 12 and 35 who are runaway, homeless, have been sexually exploited or are at risk of exploitation. Safe House is also an emergency shelter that serves homeless and runaway youth ages 16 to... --- First New York takes your identity protection seriously. That’s why we are offer IDProtect Identity Theft Program. Enroll today! As your trusted partner, First New York takes your identity protection seriously. That’s why we are offering all of our members this IDProtect Identity Theft Program. This service is our proactive step to protect you and your family from identity fraud. Identity theft is one of the fastest growing crimes in the U. S. and if you become a victim, recovering from ID theft and repairing your credit can take time, sometimes years, and can cost hundreds of dollars. * Therefore, it makes sense to implement protective measures. Benefits of IDProtect For just $1. 95 per month**, First New York's IDProtect service provides family*** protection with these benefits: Credit Monitoring – daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports Total Identity Monitoring – continuous monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone along with many others Your 3-in-1 Credit Report Your Credit Score Fully managed Identity Theft Resolution Services Access to a dedicated fraud specialist assigned to manage your case who will work with you until your credit and identity are restored Identity theft recovery case plan to inform you of the recovery process Debit and credit card registration Online identity theft news center and valuable phone and web resources  IDProtect Mobile App available You'll receive up to $10,000 identity fraud expense reimbursement coverage**** for expenses associated with restoring your identity. Enroll in IDProtect Today! Contact a Member Service Specialist today at (518) 393-1326 and press 2 for more information on how you can start protecting your identity today. *Javelin... --- Your First New York Visa® credit or debit card allows you to receive Visa Purchase Alerts for your purchases. Set up your alert notifications today! First New York is continuously monitoring and keeping your finances safe and sound. Now you can receive alert notifications on purchases made with your First New York Visa® credit or debit card. Monitor your account activity from wherever you are and quickly notify the credit union of anything suspicious. Select from available criteria and decide what activity you want to receive alerts on. Plus, choose how to receive Purchase Alerts as text messages (SMS)* and/or as e-mail messages. Available Criteria for Purchase Alerts Notifications Purchases greater than a specific dollar amount Purchases online or over the phone International transactions Enroll in Purchase Alerts Today Log in to www. visa. com/purchasealerts Register your First New York Visa Credit and Debit Card Register your mobile device and e-mail address Choose the notification triggers that match your needs *Depending on your service data plan, you may incur web charges or text messaging fees. Check with your mobile service carrier to get more information. --- We can’t always predict the unexpected. Read Erika Carroll's Q&A to find out if payment protection is right for you. Since 2019, Erika Carroll, a First New York Federal Credit Union Senior Real Estate Loan Expert, has been telling members to look into payment protection insurance before winter hits. Why? Because during the winter, people often get into more accidents and needing additional protection around their auto, home, and personal loans. To help you understand the benefits of payment protection, we sat down with Erika to gain her expertise and learn a little bit more about how this has helped members overcome the unexpected. Let’s dive in! Q: What Is Payment Protection? Erika: Payment protection is an optional service offered by credit card companies and lenders that temporarily pauses payments in case of financial hardships. These hardships can include but aren't limited to job loss, medical emergencies, diagnosed illnesses, and death. At First New York FCU, we offer this optional protection to our members to help them make their loan payments in case of a disability, injury, or illness. By temporarily covering your loan payments, you can free up money to spend on medical bills and basic living expenses. Q: Why Do I Need Payment Protection? Erika: You might be thinking why do I need payment protection? I have life insurance already, or I have disability insurance through my employer. While that may be true, I’m here to explain the benefit of having that additional protection specific to your loan, using a few examples. Example 1: Plan for the Unexpected Your life insurance policy is designed to take care of... --- Don’t miss our 2022 Turkey Tuesday offers! Discover promotions on credit cards, Visa® gift cards, personal loans & a Big Ol’ Giveaway. One-Day-Only: All Branches Open 8 AM - 6 PM! On November 22, 2022 from 8 AM to 6 PM, gain access to First New York's one-day-only 2022 Turkey Tuesday event. For one day, we'll have special values on credit cards, Visa® gift cards, personal loans and a Big Ol’ Giveaway. Stop by any First New York branch during our promotional hours to receive limited offerings on: Visa® gift cards; Visa® credit cards; Personal loans; and The chance to win a snow blower, 65” TV or $500 Visa® gift card in our Big Ol' Giveaway*** Your 2022 Turkey Tuesday Offers Await! Learn more about our limited promotions below and how to win our Big Ol' Giveaway. Special Visa® Credit Card Rate Low 3. 99% APR* on all purchases made from November 1 to December 31, 2022. One-Day Only Personal Loan Offer Apply in branch or at FirstNewYork. org on November 22. As low as 4. 99% APR** on up to $2500, with up to a 24-month term. Zero-Fee Visa® Gift Cards*** An easy gift made even easier. Purchase Visa Gift Cards without those nasty fees, so 100% of your gift goes to your family or friend. Limit five per person. Big Ol’ Giveaway! Enter for your chance to win**** a Snow blower, 65” TV or $500 Visa® Gift Card! Visit any of our eight branches on November 22, and enter for your chance to win one of this year’s BIG OL’ Prizes! We’ll draw three winners on November 23. The first winner... --- Check out our latest "It's Your Money" November and December 2022 issue! Find our exclusive Turkey Tuesday promotion and content & much more! In this Issue! Here, are the main things you need to check out within our November and December 2022 "It's You Money" issue: First New York won 5 Daily Gazette 2022 People's Choice Awards Turkey Tuesday 2022 Promotions: Exclusive Offerings & a Big Ol' Giveaway Giving Tuesday Matching Campaign: Nominate Your Favorite Charity SPREADING THE NEWS! We are honored and humbled to have won five categories in the Daily Gazette’s 2022Best of the Best People’s Choice Awards. To our members, team and everyone who voted,THANK YOU for voting us the BEST in the following categories: Credit Union Bank Mortgage Lender Investment Firm Place to Work BIGGER ISN’T BETTER. Bigger is not better, especially when it comes to your choice in banking. At First New York Federal Credit Union, we know that to be better, we have to do better. Since 1937, our focus has been on making First New York a credit union of which our members can be proud. Where every member is valued, and nobody gets lost in the shuffle. But don’t take our word for it. Take it from the people who know us best: Our members. They’ve known us since our founding as Schenectady Teacher Credit Union. They’ve experienced first-hand our commitment to exceptional member service, community support and continuous innovation. Turkey Tuesday 2022 Promotion This November 22, 2022 don’t miss our 2022 Turkey Tuesday special offers! Make this year’s holiday shopping easy and affordable with values on credit cards, Visa® gift cards, personal loans and... --- From November 29 - December 31, 2022, or until our $20,000 in matching funds are gone, we want to donate to YOUR charity of choice. Nominate them now! Nominate Your Favorite Charity for the Season of Giving ... TWICE From November 29 - December 31, 2022, or until our $20,000 in matching funds are gone, we want to donate to YOUR charity of choice. Why? Reason 1: Partnership with NetGiver First New York is proud to be the first credit union in New York State and on the East Coast to offer NetGiver, a new free donation platform sponsored by credit unions. NetGiver enables 100% zero-fee donations to non-profits and charitable organizations. Reason 2: The Season of Giving ... TWICE We’re kicking off this new platform by announcing The Season of Giving Twice! Starting on November 29 - Giving Tuesday - donate to one of our three designated charities, and we’ll match it at 50%. The campaign will run from November 29 to December 31, 2022 or until the $20,000 in matching funds are gone, whichever comes first. Thanks for Nominating Your Charity! Thank you to everyone who nominated their favorite charities in the comments below! We've selected our third charity and will be releasing more details as soon as possible. We'll also be keeping your nominations in mind for future matching campaigns if they weren't selected this time around. Stay tuned & thanks for your participation in supporting some great local causes! --- First New York FCU placed first in 5 categories: Best Credit Union & Bank, Best Place to Work, Best Mortgage Lender, Best Investment Service. WOW: First New York FCU won five categories in the 2022 Daily Gazette People's Choice awards We were blown away and so very grateful when we heard the news. Thank you for voting us number one in the following five categories: Best Credit Union Best Bank Best Place to Work Best Mortgage Lender Best Investment Service We congratulate all the category winners and thank everyone who voted. Schenectady has a special place in our hearts (just don't tell our other branch locations. ) Since our founding as Schenectady Teachers Credit Union in 1937, we have always had one focus: Our members. It is only through the dedication of our team and the loyalty of our members that First New York has continued to thrive into our ninth decade. We have so many exciting plans for the future, and we can't wait to share them with you. Thank you to everyone who voted. You're the reason we're here! --- Get notified of purchases in real time with our new card controls. Learn the 11 steps to set up your FNY Visa Credit and Debit card controls. When it comes to ensuring your financial success, First New York Federal Credit Union is always innovating and adding new services for you to use. One way we've done this is through our new First New York Visa Credit and Debit Card Controls. You can now set up and enjoy new card controls features that allow you to create custom alerts that prevent, block, and notify you of transactions. Use First Online and our mobile app, First New York On-The-Go, to control your card's settings. If you have questions, refer to our Debt and Credit Card Controls Presentation. It will walk you through what you need to know and how to set up your card controls. How to Use New Debit & Credit Card Controls Use our step-by-step Credit Control Guide to get started. We suggest your save it as a PDF or print it. You can also walk-through all the steps below. Step 1 Once a member has signed into the mobile app, they will tap the More button in the bottom right hand corner of the home screen. Step 1 Step 2 From the More screen, the member will the tap the Card Controls button. Note that this is different from the Debit Card Management button, which only allows the member to toggle their debit card off and on. Step 2 Step 3 A member may customize the alerts by tapping the Alerts and Control Preferences button. Step 3 Step 4 A member has the option to choose... --- On August 29, 2022, Schenectady City School District (SCSD) welcomed more than 135 new educators at Key Hall at Proctors. Read more! 135 Teachers Welcomed to Schenectady City School District On August 29, 2022, Schenectady City School District (SCSD) welcomed more than 135 new educators at Key Hall at Proctors. These aspiring teachers were greeted by SCSD's Carmella Parente, Director of Teaching and Learning; Bernice Rivera, Board of Education President; and AnÍbal Soler, Jr. , Superintendent. Watch the video, here: https://fb. watch/ffySvPlpdx/ First New York FCU Speaks to New Teachers First New York Federal Credit Union was asked to attend and speak at this event to highlight our KIDS Banking Program within the school district. We spoke about the importance of offering financial services at an early age and how parents have access to our investment services, as well. Through our KIDS Banking Program and partnership with SCSD, we're able to provide kids elementary through high school the chance to open and contribute to a savings account during the school day. We also offer exclusive prizes, promotions, and FNY scholarships to our KIDS Bankers, who can open an account with just $1. Learn More About Our School Banking Program At First New York Federal Credit Union, we understand the important role a solid financial education plays in the development of children and teens. We believe that offering a KID$ Savings program and e-z access is an excellent way to teach students financial literacy skills at an early age. Children and teens who learn to save today will be more likely to make wise savings and investment decisions in the future. If your... --- Did you know: 105 million Americans experience cybercrime each year, impacting 41% of the population. Learn 3 ways to protect yourself now. Did you know: 105 million Americans experience cybercrime each year, impacting 41% of the population (and, this number is increasing! ). Here, are three steps to protect yourself now: Check the “From” Email Address: First New York will only send emails ending in “@firstnewyork. org. ” If you receive an email from a “@firstnewyork. com” or any misspelling of “firstnewyork,” report it to us immediately. Is the Email Personalized? : Emails not addressed directly to you and have generic greetings like “Hi there” or “Dear valued customer” are usually fraudulent. Report them immediately. Never Reveal Personal Information: We’ll never ask you for personal or revealing information. If you receive a text or call asking for this, immediately report and block the number. Remember: your best defense against any scam is remain alert and call the credit union. If you suspect any issue with your account or transactions, contact member services at (518) 393-1326 and press 2. Want extra protection? We offer all of our members access to our IDProtect Identity Theft Program for only $1. 95/per month. Scan the QR code to learn more. --- Ready to Purchase a New Commercial Property or Refinance Your Current Real Estate Loan? Learn how we can help. No matter where you are on your commercial real estate journey, First New York offers members and non-members competitive financing for the next step. We’ll offer you some of lowest rates in the Capital Region. So you can quickly take advantage of the following opportunities: Purchasing your new commercial property Refinancing your existing real estate loan Consolidating existing Business Real Estate Loans Financing business growth Investment Property Financing Plus, our local team of experts will help you through every step, answering any questions you may have.   Explore some of the benefits of our competitive financing for commercial real estate, including combination business/residential properties, below: Fixed length term Competitive interest rates Use a non-owner occupied real estate loan to finance the purchase of investment or income property Ready to get started? Contact our Senior Commercial Loan Officer, Bob Bazargan, at (518) 393-1326 ext. 1008 or email bob. bazargan@firstnewyork. org --- Why you should refinance your mortgage? Here, are the three main reasons why you consider refinancing to save time and money. Did you know that you can refinance your mortgage to obtain a lower rate that helps you pay off your home quicker? Here, are the three main reasons why you should refinance your mortgage today. Reason 1: Take Advantage of Low Interest Rates The first, and most obvious, reason homeowners refinance their mortgage is to take advantage of a lower interest rate. Reducing your interest rate helps you build moreequity in your home sooner, and decreases the size of your monthly payment. If, for example, your 30-year fixed-rate mortgage has an interest rate of 5. 75% on a $200,000 home, your principle and interest payment is $1017. 05. After refinancing that same loan at 4. 5%, your example monthly payment would drop to $894. 03. Reason 2: Shorten the Life of Your Loan The allure of paying off a mortgage in a shorter timeframe also often drives the decision to refinance. If your mortgage has a particularly high interest rate, refinancing helps youpay your loan off in half the time without changing your monthly payment much. Your lifestyle changes over time. Choosing to refinance your loan at First New York allows you to choose when you will be mortgage free. Reason 3: Convert Between Adjustable-Rate and Fixed-Rates Initially, homeowners often opt for an Adjustable Rate Mortgage (ARM) because it offers a lower rate. Over time, though, adjustments can increase these rates until they surpass the going rate for fixed-rate mortgages. When this happens, switching to a fixed-rate mortgage can lower... --- It's always the right time to start new financial habits that help you save more money overtime. Learn the three tips you can start now. It's always the right time to start new financial habits that help you save more money overtime. Learn the three tips you can start now. No Money Tree? No Problem! There’s an easy way to save some green on your landscaping projects. Instead of hitting the big chain stores for gardening supplies, check out your local dollar stores. You’ll find loads of gardening supplies, like seeds, markers, buckets and planters, at rock-bottom prices. Your yard will thank you (and so will your wallet! ). Prevent Costly Auto Fixes Your car or truck weighs thousands of pounds. If an ounce of prevention is worth a pound of cure, how much do you think preventative auto maintenance could save you? By getting regular service checks, you have a good chance to catch and prevent issues before they become large and expensive. Plus, you could have better gas mileage. Time Your Vacation Right A vacation is much more relaxing when you know you got a good deal on your getaway. Time your vacation right. Experts recommend booking your flight 54 days before yourdeparture date to get the best prices on airline tickets. That means there’s still time to plan a nice getaway in 2022 without blowing your budget. Want to Find More Ways to Save: Contact Us Today If you need a financial advisor to help you organize and manage your finances, don't hesitate to reach out to First New York FCU's Investment Services. Put our decades of experience to work on your... --- Read our latest credit union news and events in our July and August "It's Your Money" issue. Learn about RVs, low-rates & more! Your Credit Union News and Events Choose Your Own Adventure This Summer Have you ever wanted to make the road your summer home? Now, is the best time to look into recreational vehicles (RVs). Whether they're new or pre-owned, RVs are an easy way to travel more while spending less. Go read how you can head out on the highway with a new or pre-owned RV. Take a Permanent Vacation from Hidden Fees If you’ve ever asked yourself, “Hey, what’s that fee? ” It might be time to switch to a First New York All-Access Account. • No minimum deposit needed to open• No monthly minimum balance requirements• No monthly service charges• No per-check chargesThis transaction account (AKA checking account), and the Visa® Debit Card connected to it, fit seamlessly into your daily life. Convenient, secure mobile and online banking whenever you need it. Quickly open an account today by visiting a branch, signing up online, via Face2Face Video Banking, or by calling (518) 393-1326, option 2 Open a Home Equity Line of Credit and Lock in a Low Rate Common uses: Home improvement projects, debt consolidation, funding a business, or side-hustle. Ready for your next home improvement project or renovation? What about purchasing your vacation home, investment property, or second home? First New York’s Home Equity Loansand Lines of Credit can help. As one of the smartest and least expensive ways to borrow money today, you could qualify for up to 90% of the appraised value of your home,... --- If you’re thinking of road-tripping your summer getaway, think recreational vehicles. Learn the 3 benefits to owning a new or pre-owned RV. If you’re thinking of road-tripping your summer getaway, think RVs. Recreational vehicles are an increasingly popular way for families to have fun for less. Here, are three reasons why you should look into buying an RV or a campervan. 1. Save Money According to the CBRE Hotels Advisory Group, RV vacations are anywhere from 27-61% less expensive than conventional getaways. So, even with the cost of fuel, an RV can help you save significantly on pricey vacation costs like hotels and food. 2. Privacy & Comfort A great benefit of traveling in an RV is having plenty of space for your family and belongings. While you’re on the road, you’re able to move around as much as you’d like (unless you’re the driver), sleep in the sleeping area, and enjoy your own private bathroom — who doesn’tlove that! 3. Increased Flexibility When you travel in an RV, you’ll enjoy great flexibility in where you and your family can go. There are a lot of public, private, and government-owned campgrounds available near major attractions across the U. S. So, you can adventure more for less. Ready to Purchase an RV If you’re ready to take the plunge and purchase an RV or a campervan, look no further than First New York! We can help you finance the recreational vehicle of your dreams with affordable interest rates, reasonable payback terms, and easy eligibility requirements for qualifying members. Call, click, or stop by First New York today to take the first steps on... --- Summer can trigger overspending. Here, are three ways you can cut down on travel and vacation costs. Read more. Here, are your helpful tips to make the most out of your money this summer and beyond. Know When to Rent vs. Buy Yes, it may be tempting to buy new camping gear or power tools during the more outdoorsy months. But, before you purchase a new pair of hiking boots or paddle board, ask yourself, “Is this a one-time-thing or am I going to be using this purchase often? ” If the answer is aone-time-thing, it’s time to rent. Entertain More Who said staying at home had to be boring? With the weather being great for barbeques and cookouts, throwing more get-togethers is a fun way to spend time with friends and family without breaking the bank. Plus, you don’t need to spend a fortune for your guests to have fun. That’s a win-win! Plan and Budget Your Activities Summer can trigger overspending. With more things to do and places to travel, it can be difficult to really know how much you’re spending. A good trick is to write down what youplan on doing and how much it will cost. This way you can better manage your budget and still have fun. Still Need Help Managing Your Finances? Contact Us Today If you need a financial advisor to help you organize and manage your finances, don't hesitate to reach out to First New York FCU's Investment Services. Put our decades of experience to work on your financial goals and dreams. --- We’re excited to announce the four winners of this year’s $1,000 First New York scholarship. Read more about our 2022 winners. We’re excited to announce the four winners of this year’s $1,000 First New York scholarship. Our recipients have shown exceptional academic merit and community involvement. Let Us Introduce You to Our Scholarship Winners: Danielle Chichester, Middleburgh Junior/Senior High School They have earned their advanced regents and regent’s diploma. Danielle actively participates in the National Honor Society and volunteers as a firefighter and EMT in-training. Kalin Oelkers, Bethlehem Central High School They have completed nine AP-level courses while working and volunteering at Welcome Table, a community center for the unhoused. Vail Perry, Mohonasen High School They have earned an associate’s degree on a full scholarship from SUNY Schenectady County Community College. They co-founded the non-profit Flannels for Fowler Foundation. Kiley Lynn Scholz, Academy of the Holy Names They are a member of the National Honor Society and achieved High Honor Roll. Kiley has volunteered at the Regional Food Bank of Northeastern since 2016. Congrats to our 2022 First New York Scholarship Winners We wish the best for these 2022 graduates and their future academic endeavors, knowingthat they’ll continue to be successful throughout and beyond their college careers. If you're interested in applying to our 2023 First New York $1,000 scholarship, please visit our website to learn more about how your child can participate. --- A home equity line of credit can help home owners access the equity in their home. Here, are the 5 primary reasons why people use this loan. A home equity line of credit can help home owners access the equity in their home. So, what are the primary uses of a home equity line of credit? Below, we've listed the five uses for a home equity line of credit. 1. Fund Home Renovations By far, the most popular use for home equity is funding home improvements. Give your kitchen a major facelift, build that extension you’ve been dreaming of or put in a sparkling blue pool. 2. Start a Business Is a lack of start-up cash stopping you from hanging up your shingle? Tap into your home’s equity to make your business dreams come true. 3. Pay College Tuition You don’t need to go into deep student loan debt to fund an education. Instead, tap into your home’s equity to cover those tuition bills and pay it all back at a steady and manageable pace. 4. Take Your Dream Vacation That beach getaway you’ve always drooled over, that summer jaunt through the mountains, or a theme park adventure can now be an affordable reality. 5. Whatever You Want! It’s a great way to create a budget to fund your secret dream, whatever it might be. Do yourself a favor, and contact us today. --- When you get a credit card through a credit union, you get access to low-interest rates & additional perks. Learn the basics to make your Visa credit card work for you. In 2020, the Federal Reserve found that more than 80% of American adults to have at least one credit card. Since then, that number has jump up to 84% in the Federal Reserve’s 2021 Economic Well-Being of U. S. Households (SHED) report. With so many Americans owning at least one credit card, it’s no surprise that people want to get the best credit card rates and bonus credit card rewards possible. Plus, aside from the rates and rewards, there are important practical reasons for owning a credit card. They help millions of people build credit, obtain consumer protections, and defer paying expenses. So, whether you own a credit card or are looking to own another one with better rates and rewards, you may be asking yourself, “How do I get a low interest rate credit card with additional perks like frequent-flyer miles or cash-back? ” In this guide, we’ll help you answer this question by going over everything you need to know about a credit card. Here, you’ll learn: · What it is a credit card · How does a credit card work · What are the specific benefits of owning a credit card · Why you should apply for a low rate credit card through your local credit union · And much more! Buckle up and let’s get underway!   What is a Credit Card? According to Investopedia, “A credit card is a thin rectangular piece of plastic or metal issued by a bank or financial services company that... --- Available seven days a week from 7:30 a.m. to 9:00 p.m., you can enjoy our state-of-the-art meeting room that can accommodate up to 32 people. First New York FCU’s Community Room Reopens to the Public Now available for booking your next community program, event, and meeting ALBANY, NY – First New York Federal Credit Union lives by the philosophy of “People Helping People” and is committed to serving our members and our community. As of May, 2022, First New York FCU’s Community Room, located at 2 Wall Street in Colonie, NY, is reopening its doors to the public. Our state-of-the-art meeting room is now open seven days a week, from 7:30 a. m. until 9:00 p. m. We encourage First New York Credit Union members, business partners, non-profit organizations, and community groups to join us within our welcoming, high-tech space. The Community Room can accommodate up to 48 people and has several amenities, including television monitors, handicap accessible features, access to restrooms, and public Wi-Fi. Depending on your specific event needs, we can also rearrange the seating to a classroom, block, u-shape, or theatre layout. You can request to use our Community Room by contacting the Community Room Coordinator at (518) 393-1326 ext. 1195 and completing an Application Form. We’ve appreciated your patience during our temporary closure, and we couldn’t be more excited to open the Community Room’s doors to our valuable members and non-members once again. We look forward to seeing you hold your next community program, event, or meeting at First New York. Book now! We encourage all First New York members and non-members to take advantage of our welcoming, high-tech space, from... --- Did you know? You can refinance your home and car to save on your current loans. Read our latest "it's your money issue" to learn more! Your Credit Union News and Events Refinance to Save Are you in search of ways to reduce your monthly payments? Get started lowering your payments by learning about auto and home refinancing. In this article, we'll walk you through ways you can shrink your payment. Learn more about this topic in our "Auto Loans & Auto Financing 101: Your How-To Guide". YES, You Can Refinance Your Car Loan! First New York offer a savings source you may not have considered: Refinancing your car loanand reducing your monthly payment. Auto Loan Refinancing is Surprisingly Simple: You take on a new (and better) loan to pay off what you owe on your currentauto loan. If you’re carrying a high interest rate or a high payment eachmonth, refinancing is the answer. Reduce Your Rate: If you financed through a dealership or it’s been a while since you took outthe loan, rates may be in your favor, especially at First New York. Shrink Your Monthly Payment: You may be able to extend the length of your loan. For example, if youextend the term to 48 months from 36 months, your monthly paymentwill be lower. First New York’s loan experts will walk you through all your options, givingyou all the information you need to make a decision. Get started today in abranch, online, via Face2Face video, or over the phone. Is a Hybrid or Electric Vehicle Right for You? The recent rise in gas prices has led to increased interest in hybrid and electricvehicles. How... --- You deserve the best auto loan and auto financing available. Get started learning how you can get the car you want with low monthly payments. The rate of car ownership in the U. 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What’s the right route to secure the best auto loan rate through low rate auto loans? In this guide, we’ll explain auto loan and auto financing, so you can get started getting your ideal loan amount and monthly payments. We’ll also go over the best places to shop for the lowest rates and best available promotions. Let’s get started! What is an Auto Loan? You may be wondering “what is an auto loan? ” and “how do auto loans work? ” To... --- In this article, we answer your basic QR code FAQs. Get ready to learn more about the new technology making it easier to access webpages. What are QR Codes? A circular or square barcode used to communicate links, digital business cards, WiFi passwords and more. Your phone’s camera reads the pixels to access the information. QR stands for Quick Response. How Do I Scan Them? You no longer need a special app to scan QR codes! Anyone can scan a QR code using just the camera on their smartphone. 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