Effective Date: December 6, 2024
Rates listed are valid as of the date above unless otherwise noted and are subject to change without notice.
Auto & Recreational Vehicle
| Terms Up To | APR as low as* | Monthly Payment per $1,000 |
|---|---|---|
| 24 months | 3.99% | $43.42 |
| 36 months | 4.99% | $29.97 |
| 48 months | 5.24% | $23.14 |
| 60 months | 4.99% | $18.87 |
| 72 months | 5.74% | $16.45 |
| 84 months | 6.99% | $15.09 |
| 96 months** | 7.99% | $14.13 |
| *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 2019-2025. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. **96 Month term ONLY available on NEW Automobile Model Years 2023-2025. | ||
| Terms Up To | APR as low as* | Monthly Payment per $1,000** |
|---|---|---|
| 24 months | 5.49% | $44.09 |
| 36 months | 5.49% | $30.19 |
| 48 months | 5.99% | $23.48 |
| 60 months | 7.09% | $19.84 |
| *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. 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 rates above. A 0.5% APR discount is available on auto loans for hybrid or electric cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month.*Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, PLUS tax, title, registration, and warranty. | ||
| Terms Up To | APR as low as* | Monthly Payment per $1,000** |
|---|---|---|
| 24 months | 6.99% | $44.77 |
| 36 months | 6.99% | $30.87 |
| 48 months | 8.99% | $24.88 |
| *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. 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 rates above. A 0.5% APR discount is available on auto loans for hybrid or electric cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month.*Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, PLUS tax, title, registration, and warranty. | ||
| Terms Up To | APR as low as* | Monthly Payment | Guaranteed Future Value |
|---|---|---|---|
| 24 months | 5.24% | $680 | $11,275.00 |
| 36 months | 6.24% | $504 | $10,727.00 |
| 48 months | 6.49% | $443 | $8,607.00 |
| 60 months | 6.24% | $405 | $6,091.00 |
| 72 months | 6.99% | $374 | $5,032.00 |
| The payments listed below are based on a 2024 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *Fixed Annual Percentage Rate (APR). Rate is based on 2019-2025 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable. | |||
| Terms Up To | APR as low as* | Monthly Payment |
|---|---|---|
| 48 months | 6.99% | $23.94 |
| 72 months | 7.49% | $17.29 |
| 96 months | 7.99% | $14.13 |
| 180 months | 8.74% | $9.99 |
| *Annual Percentage Rate. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. | ||
| Terms Up To | APR as low as* | Monthly Payment |
|---|---|---|
| 48 months | 7.49% | $24.17 |
| 72 months | 8.74% | $17.90 |
| 96 months | 9.49% | $14.91 |
| 180 months | 9.99% | $10.74 |
| *Annual Percentage Rate. Competitive Fixed Rates. Financing up to 90% of the NADA value or purchase price, whichever is lower. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. | ||
Home
| Term | APR as low as* | Monthly Payment | Loan to Value |
|---|---|---|---|
| 10 years | 6.24% | $11.22 | 80% |
| 15 years | 6.49% | $8.71 | 80% |
| 20 years | 6.99% | $7.75 | 80% |
| 10 years | 7.24% | $11.73 | 81-90% |
| 15 years | 7.49% | $9.26 | 81-90% |
| 20 years | 7.99% | $8.36 | 81-90% |
| *Annual Percentage Rate. 5-year draw period. The actual rate may vary. All loans are subject to credit approval. Existing First New York borrowers must take out an additional $10,000 of new money. Title insurance may be required. The minimum loan amount is $10,000. New York State Mortgage Tax is required and paid by the borrower. A minimum advance of $10,000.00 is required at time of closing. The remaining closing costs paid by First New York on behalf of the borrower will be charged back and added to the loan’s payoff if the home equity line of credit (HELOC) is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. | |||
| Term | APR as low as* | Monthly Payment | Loan to Value |
|---|---|---|---|
| 10 years | 6.74% | $11.48 | 80% |
| 15 years | 6.99% | $8.98 | 80% |
| 20 years | 7.49% | $8.05 | 80% |
| 10 years | 7.74% | $12.00 | 81-90% |
| 15 years | 7.99% | $9.55 | 81-90% |
| 20 years | 8.49% | $8.67 | 81-90% |
| *Annual Percentage Rate. 5-year draw period. The actual rate may vary. All loans are subject to credit approval. Existing First New York borrowers must take out an additional $10,000 of new money. Title insurance may be required. The minimum loan amount is $10,000. New York State Mortgage Tax is required and paid by the borrower. A minimum advance of $10,000.00 is required at time of closing. The remaining closing costs paid by First New York on behalf of the borrower will be charged back and added to the loan’s payoff if the home equity line of credit (HELOC) is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. | |||
| Term | APR* | Variable Index | Loan to Value |
|---|---|---|---|
| 10 year draw, 15 year re-payment | 1.99%* for 13 months | Prime +0.00% | 80% |
| 10 year draw, 15 year re-payment | 2.99%* for 13 months | Prime +1.00% | 81-90% |
| *Variable rate. Special Introductory Rate as low as 1.99% for 80% combined loan-to-value (LTV) for the first 13 months then as low as prime plus 0.00% APR thereafter or the floor on the product. Special Introductory Rate as low as 2.99% for 81-90% LTV for the first 13 months then as low as prime plus 1.00% APR thereafter. All rates are based on the Prime Rate published in the Wall Street Journal. The APR will not exceed the ceiling, or highest APR of 18.00%, as of 11/30/2024 Prime Rate is 7.75%. A minimum advance of $10,000.00 is required at time of closing. Rates are based on a 25 year repayment term. This is a limited time offer and only applies to new First New York loans. All loans are subject to credit approval. Actual rate may vary. | |||
| Term | APR as low as* |
|---|---|
| 5 – 11 years | 5.24% |
| 12 years | 5.49% |
| 13 -14 years | 5.74% |
| *Must be a primary residence and first lien only. This offer is good for refinance only. Existing First New York real estate loans are eligible with $10,000 of new money. Loan-to-value (LTV) must be 50% or less to receive the listed APR. Actual rates may vary and rates are subject to change without notice. Other rates and terms are available. $50,000 minimum. Flood and /or property hazard insurance may be required. Upon title search results, title insurance may be required and is paid by the borrower. Closing costs including the New York State Mortgage Tax paid by First New York on behalf of the borrower. No closing costs offer is valid during the promotional period only. Reimbursement of fees will be added to the payoff amount of the loan if the home equity line of credit is paid and closed within three years of closing. Closing costs are estimated at $600-$4,000. | |
Visa® Credit Card
| Product | Variable APR as low as* | Margin | Daily Periodic Rate |
|---|---|---|---|
| For Purchases | |||
| Limit $5,000 – $30,000 | 4.99% | 6.65% | 0.01367% |
| Limit $250 – $4,999 | 4.99% | 11.65% | 0.01367% |
| Secured | 4.99% | 11.75% | 0.01367% |
| Balance Transfers | |||
| Limit $5,000 – $30,000 | 15.15% | 6.65% | 0.04151% |
| Limit $250 – $4,999 | 18.00% | 11.65% | 0.04932% |
| Secured | 18.00% | 11.75% | 0.04932% |
| Cash Advances | |||
| Limit $5,000 – $30,000 | 17.50% | 9.00% | 0.04795% |
| Limit $250 – $4,999 | 18.00% | 11.75% | 0.04932% |
| Secured | 18.00% | 11.75% | 0.04932% |
| *Annual Percentage Rate. Promotional APR is applicable for all purchases made during the first 90 days of card ownership. Offer valid during the promotional period only. After the 90-day promotional period, the rate is based on Prime Rate, as published in the Wall Street Journal, plus a margin. APR on those purchases will remain at 4.99% through the initial 90-day promotional period. The Prime Rate as of 11/30/2024 is 7.75%. The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program. For Fee information, read our Promotional Visa Credit Card Disclosure at FirstNewYork.org. **To receive the 25,000 ScoreCard points, activate the card and spend at least $1,000 during the first 90 days of card ownership. | |||
| Product | Variable APR as low as* | Margin | Daily Periodic Rate |
|---|---|---|---|
| For Purchases and Balance Transfers | |||
| Limit $5,000 – $30,000 | 14.40% | 6.65% | 0.03945% |
| Limit $250 – $4,999 | 18.00% | 11.65% | 0.04932% |
| Secured | 18.00% | 11.75% | 0.04932% |
| Cash Advances | |||
| Limit $5,000 – $30,000 | 16.75% | 9.00% | 0.04589% |
| Limit $250 – $4,999 | 18.00% | 15.00% | 0.04932% |
| Secured | 18.00% | 16.00% | 0.04932% |
| *Annual Percentage Rate. The Variable APR for purchases, balance transfers, and cash advances will be the Prime Rate published in the Wall Street Journal on the last day of each month plus a Margin as listed above. The Prime Rate as of 11/30/2024 is 7.75%. The APR will not exceed the ceiling, or highest APR, which is the NCUA usury rate in effect at the time. As of 08/01/2022, the NCUA usury rate was 18.00% APR. APR offered is subject to change and all loans are subject to approval. For Fee information, read our Promotional Visa Credit Card Disclosure. | |||
Personal
| Term Up To | APR as low as* | Monthly Payment |
|---|---|---|
| 12 months | 8.99% | $87.45 |
| 24 months | 9.24% | $45.79 |
| 48 months | 9.74% | $25.24 |
| 60 months | 10.24% | $21.37 |
| *Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time 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 rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month. | ||
| Term | APR* | Variable Index |
|---|---|---|
| Open | 15.00% | Prime +7.00% |
| *Variable loan rates are set quarterly and based on the actual Prime Rate on the last business day of the previous quarter. $5,000.00 maximum line of credit subject to credit approval. The Prime Rate as of 09/30/2024 was 8.00% APR as published in the Wall Street Journal. | ||
| Term | APR * | Index |
|---|---|---|
| Up to 10 years | 3.10% | 3% above the Share Dividend Rate |
| *Competitive Variable Rate. After disbursal, the loan rate may adjust quarterly. The variable Annual Percentage Rate (APR) will be based on the share rate on the first business day of the current quarter. See share rates for current rates. APR offered is subject to change at any time and all loans are subject to approval. The maximum amount for a loan is based on individual Share balances. | ||
| Term | APR* |
|---|---|
| Certificate Term | 3% above the Certificate Rate |
| *Competitive Fixed Rate. Borrow up to 100% of your Share Certificate Rate and Share Certificate Balance. Loan amount based on account balance maximum. | |
Solar
| Term | Fixed APR* | Monthly Payment |
|---|---|---|
| 5 years | 4.74% | $18.75 |
| 10 years | 4.99% | $10.60 |
| 15 years | 5.74% | $8.30 |
| 20 years | 5.99% | $7.16 |
| *Annual Percentage Rate (APR) is fixed. Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. Monthly payment amount is calculated per $1,000 and is based on a 30 day month. | ||
Accounts & Savings
| Average Percentage Yield | Dividend Rate* |
|---|---|
| 0.05% | Dividend Rate |
| *No minimum to open, no minimum to open for students with valid Student ID and $1 minimum to open for youth accounts. Earn dividends if average daily balance is greater than $1,000. No monthly service charge with Direct Deposit, First OnLine Bill Payment Service, or if you maintain a $1,000 average daily balance. Dividends are compounded monthly. Fees may reduce earnings on this account. | |
| Annual Percentage Yield | Dividend Rate* |
|---|---|
| 0.10% | 0.10% |
| *Minimum balance of $1 on Primary Share Savings only. Fees may reduce earnings. Rates set monthly. Dividends compounded monthly. |
|
| Term | Annual Percentage Yield* | Dividend Rate |
|---|---|---|
| 3 month | 4.00% | 3.93% |
| 5 month | 4.75% | 4.65% |
| 6 month | 3.25% | 3.20% |
| 9 month | 4.25% | 4.17% |
| 12 month | 0.15% | 0.15% |
| 15 month | 4.25% | 4.17% |
| 18 month | 0.25% | 0.25% |
| 24 month | 0.35% | 0.35% |
| 25 month | 3.75% | 3.69% |
| 30 month | 0.40% | 0.40% |
| 36 month | 0.50% | 0.50% |
| 48 month | 0.60% | 0.60% |
| 60 month | 0.70% | 0.70% |
| Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the Share Certificate. Dividends compounded monthly. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates set weekly. Offer good for the initial term only for 9, 15 and 25 month Share Certificates. 5 month Share Certificate does not automatically renew and is for new money deposits only. 9 month Share Certificate is automatically renewed for a 9 month term. 15 month Share Certificate is automatically renewed for a 12 month term. 25 month Share Certificate is automatically renewed for a 24 month term. All other Share Certificates are automatically renewed for same length as initial term. Minimum deposit $2500.00 on 5, 9, 15 and 25 month Share Certificates and $500 for all other terms. 3, 5, 9, 15 and 25 month term Share Certificates are not eligible for IRAs. The rate is determined based on the published rate for the Share Certificate, excluding Share Certificate Specials, that is closest to but not exceeding the term of the Share Certificate. Advertised rate and APY are offered at the credit union’s discretion and may change daily. | ||
| Term | Annual Percentage Yield | Dividend Rate* |
|---|---|---|
| 12 month | 0.15% | 0.15% |
| *Prize period runs from October 1, 2024 until September 30, 2025. Business and trust accounts, as well as employee accounts from any participating institution, are not eligible to win prizes. An initial deposit of $25 is required to open and additional deposits can be made throughout the term. The initial deposit and all subsequent deposits mature 12 months after the date that the initial deposit was made. A penalty for early withdrawal may apply. The APY is subject to change without notice. Rates set weekly. Dividends compounded monthly. Official rules at www.savetowin.org. |
||
| Daily Balance | APY | Dividend Rate* |
|---|---|---|
| $50,000+ | 0.20% | 0.20% |
| $25,000 – $49,999.99 | 0.15% | 0.15% |
| $10,000 -$24,999.99 | 0.10% | 0.10% |
| $2,500 – $9,999.99 | 0.10% | 0.10% |
| *Dividends are compounded monthly. No minimum to open. $2,500 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account. | ||
| Daily Balance | APY | Dividend Rate* |
|---|---|---|
| $150,000+ | 0.30% | 0.30% |
| $75,000 – $149,999.99 | 0.25% | 0.25% |
| *Dividends compounded monthly. No minimum to open. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account. |
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