*Skip-A-Pay: All Loans and Visa accounts with the credit union must be current in order to qualify for Skip-A-Pay. There is a $35 fee for each loan or Visa payment skipped. First New York will review your request within 24 business hours and email you a confirmation, which is an agreement to the terms of the disclosure below. Disclosure: Skip-A-Pay may be used for auto, personal and Visa loans only. Commercial, Business, Real Estate, and Easy Drive Loans are not eligible. Skip-A-Pay can be used on each eligible loan type a maximum of 6 times during the duration of the loan and not more than 2 non-consecutive months within a 12 month period. First New York must receive your request for Skip-A-Pay at least 10 days in advance of your loan payment due date. All Skip-A-Pay requests are subject to credit union approval and are not guaranteed to be approved or guaranteed to be approved for the month requested. During your Skip-A-Pay month, interest will continue to accrue at the prevailing interest rate. You are required to resume your regular payments the following month. Skipping a payment will extend the duration of your loan. There is a $35 processing fee for each Skip-A-Pay request fulfilled. The fee does not apply toward interest or principal on your loans. Please note: Skip-A-Pay will affect GAP claims.
**Personal Loans: 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.
***North Greenbush Promotion: 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 2005-2026. 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 subject to change and all loans are subject to approval. A 0.5% APR discount is available on auto loans for electric and hybrid cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month. Does not apply to existing First New York loans. 96 Month term ONLY available on NEW Automobile Model Years 2024-2026. Interest will begin and continue to accrue from the date of loan disbursal and become due once payment begins. Minimum loan amount eligible for cash back offer is $7,500 and actual amount of cash back will be determined by final amount financed. Does not apply to existing First New York loans. Cannot be combined with any other offers. Offer valid during promotional period only. All cash back offers will be reported as dividends. Loan Center is available Monday-Friday from 8 a.m. until 6 p.m. and on Saturday from 9 a.m. until 1 p.m. 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. This applies to personal loans only.
****Auto Loan Deferment: Interest will begin and continue to accrue from the date of loan disbursal and become due once payment begins.
*****Auto Loan Refinancing Non-First New York Loans: Minimum loan amount eligible for cash back offer is $7,500 and actual amount of cash back will be determined by final amount financed. Does not apply to existing First New York loans. Cannot be combined with any other offers. Offer valid during promotional period only. All cash back offers will be reported as dividends.
†Visa Credit Card: 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 12/31/2024 is 7.50%. The APR will not exceed the ceiling, or highest APR, which is the NCUA usury rate in effect at the time. As of 05/04/2023, the NCUA usury rate was 18.00% APR. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders currently in another promotional program. For Fee information, read our Promotional Visa® Credit Card Disclosure at FirstNewYork.org.
‡ScoreCard Rewards: Terms and Conditions – Special promotion event dates 10/1/2025 – 12/31/2025. Promotion scoring for this event is strictly limited to the following merchant category codes: Online Retailers (5262), Wholesale Clubs (5300), Discount Stores (5310), Miscellaneous General Merchandise Stores (5399), Men’s & Boys Clothing & Accessories Stores (5611), Women’s Ready to Wear Stores (5621), Women’s Accessory & Specialty Stores (5631), Children’s & Infants Wear Stores (5641), Family Clothing Stores (5651), Sports Apparel, & Riding Apparel Stores (5655), Shoe Stores (5661), Men’s & Women’s Clothing Stores (5691), Accessory & Apparel Stores – Misc. (5699), Electronic Sales (5732), Large Digital Goods Merchant (5818), Bookstores (5942), Game, Toy & Hobby Shops (5945). Bonus scoring limited to first $5,000 in eligible category spend during promotion period, any additional spend after limit has been reached will be scored as normal per your program’s terms and conditions. Any transactions that are not categorized under one of specified promotion codes will be scored as normal per your program’s terms and conditions. Please allow for up to two billing cycles for any bonus points accrued during the event to reach your rewards account. If you have any questions regarding your ScoreCard rewards account or point balance, contact ScoreCard Rewards Customer Service at 1-800-854-0790 or reach out to your issuing financial institution.