First New York Credit Union Halfmoon NY | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to First New York's Halfmoon Branch, where our commitment to community and members is at the heart of everything we do. Located conveniently at 1533 Route 9, Halfmoon, NY 12065, we have proudly served our growing membership since 1937. With over 37,958 members and 132 dedicated employees, we strive to provide personalized service that meets your financial needs. At First New York, we understand that financial decisions can be daunting. That's why our team is here to guide you every step of the way. Whether you're looking to open a new checking account or secure an auto loan from our total loans portfolio of 17,221, we're equipped with the resources and expertise to help you succeed. Our branch holds a robust $488,357,839 in total assets and has a strong net worth of $45,713,612, showcasing our stability and reliability as a trusted financial partner. We are also proud to offer competitive rates on various services, including personal loans, mortgage refinancing, and business banking solutions. With total deposits reaching $16,199,835, our members can rest easy knowing their funds are secure. While members can visit us at the above address for all their banking needs, any official correspondence should be directed to the same location. Our friendly staff is available from Monday to Friday from 8 AM until 6 PM and on Saturday from 9 AM until 1 PM. You can reach us at (518) 393-1326 for any inquiries or assistance. Led by CEO Lucy Halstead and Board President Brian Krawiecki, we are dedicated to fostering a welcoming atmosphere where everyone feels valued. Join our family today and experience the difference that comes with being part of First New York Credit Union! For more information about our services or to get started on your financial journey with us, visit our website at First New York or come see us in person!

Branch History & Mission

At First New York, our journey began in 1937, when we opened our doors in the heart of Halfmoon, NY. Over the decades, we have grown from a small community-focused credit union to a trusted financial partner for nearly 38,000 members. Our branch, located at 1533 Route 9, Halfmoon, NY 12065, has become a staple in the community, providing essential financial services that empower individuals and families. From the beginning, our mission has been clear: to support our members' financial well-being while fostering a strong sense of community. We believe that everyone deserves access to affordable banking options and personalized service. Our total assets now exceed $488 million, enabling us to offer competitive rates on loans and savings products. With a focus on member satisfaction, we have continually adapted our offerings to meet the evolving needs of our community. In addition to traditional banking services like checking and savings accounts, auto loans, and mortgages, we are proud to provide modern conveniences such as online and mobile banking. We ensure our services are accessible by maintaining ADA compliance and offering features like ATM availability and drive-thru banking. Our commitment to innovation allows us to enhance your banking experience while keeping it simple and user-friendly. Our branch has not only focused on individual financial growth but has also prioritized community outreach. We regularly engage in partnerships with local organizations to support various initiatives aimed at improving the quality of life in Halfmoon. By giving back through sponsorships and events, we strengthen the bonds within our community. While members can visit us at 1533 Route 9, official correspondence should be sent to the same address. Our team is here for you Monday through Friday from 8 AM until 6 PM and Saturday from 9 AM until 1 PM. Whether you're looking for assistance with personal loans or business banking solutions, we are ready to help. Join us at First New York and experience the benefits of being part of a credit union that truly cares about its members. Together, let's build a brighter financial future for you and your family! For more information or to become a member today, please call us at 518-393-1326 or visit our website here.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. We have ample parking available right outside the entrance and ADA-compliant features, including ramps for easy access. Everyone is welcome at First New York, and we strive to make banking straightforward for all members of our community.

Connect With Us

For any questions or assistance, don't hesitate to give us a call at 518-393-1326. Our friendly staff is here to help! We invite you to come visit us at the Halfmoon Branch today and discover how we can assist you on your financial journey. Your next great banking experience awaits!

Operating Hours

We understand that life can get busy! That's why our lobby is open Monday through Friday from 8 AM until 6 PM and Saturday from 9 AM until 1 PM. These hours are designed to fit your schedule so you can drop by whenever it's most convenient for you.

Services Offered

At the First New York Halfmoon Branch, we offer a wide range of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with our drive-thru banking option available, depositing checks or withdrawing cash has never been easier. You can also take advantage of shared services if you're a member of partner credit unions.

Member Eligibility

At First New York, we believe that everyone deserves a chance to be part of a caring community that supports their financial goals. Becoming a member is easier than you might think! If you're living, working, worshipping, or attending school in the areas we serve, you're likely eligible to join us. Membership is open to all who meet these simple criteria, and we welcome individuals from various backgrounds and walks of life. Enjoy benefits like personalized service, competitive rates on loans, and access to a range of financial products tailored just for you. If you're ready to take the next step toward membership at First New York, you can find more detailed eligibility requirements by visiting our website. When you're set to open an account, the process is straightforward just head over to our account opening page here: https://firstnewyork.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad4hzayernesmgw-f2ttpe88-imhyfipwofrmzrkudbcyi_r3xzknvpw7citqirwqqw_4kdib3m5x70wtehzik2mqlqcdcpzdzifti9felggiukm-mgkogwcsc2xbpwnb0sjffiabzqg9azknd4_bvf4yiqdugqfmu9c8mnmekecd. If you have any questions or need assistance, don't hesitate to call us at (518) 393-1326. We can't wait for you to join our family!

Business Banking & Commercial Services

Practical Merchant Services

In today's fast-paced market, efficient payment processing is essential. Our merchant services empower you to accept payments easily and securely, whether in-store or online. Imagine enhancing customer satisfaction by offering multiple payment options while streamlining your operations all supported by our dedicated team at 1533 Route 9 Halfmoon Ny 12065, Halfmoon, NY. Let us be your partner on the journey to success! For more information, call us at (518) 393-1326 or visit our website at First New York.

Unlocking Growth with Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $93 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $46,079,795, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services

For quick transactions, we have basic drive-thru banking available for deposits, withdrawals, and simple transactions. If you prefer using an ATM, we provide access for balance checks and cash withdrawals right when you need it. At First New York, we're here not just as a bank but as your financial partner. If you're interested in learning more about how we can assist you with any of these services or if you'd like to open an account, please give us a call at (518) 393-1326 or visit us online at Halfmoon Branch. We look forward to serving you!

Business Banking

We also cater to small businesses with specialized services like merchant services and business loans. Our goal is to empower local entrepreneurs by providing the financial tools needed for growth and success.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms allow you to access your accounts anytime, anywhere. You can make ATM withdrawals, check balances, and even perform shared transactions for partner credit union members making banking as easy as possible.

Loans and Credit Options

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come in handy, helping you manage bills or consolidate existing debts into one easy payment. And don't forget about our credit cards with rewards a great way to earn while you spend.

Personal Banking

Whether you're opening your first checking account or looking for a savings plan, our personal banking services cater to every stage of life. We offer checking and savings accounts that are easy to manage online or through our mobile app. Imagine being able to check your balance or transfer funds with just a few taps on your phone! For those considering a new vehicle, our auto loans and vehicle financing options make it simple to drive away in the car of your dreams. Plus, if you're ready to settle into a new home, we provide competitive mortgage loans and refinancing solutions tailored to fit your budget.

Digital & Online Banking

Convenient Payment Options

Need to send money to a friend? With our person-to-person transfer feature, sending money has never been easier. Just a few taps on your phone, and it's done! For those who enjoy using their phones for payments, our mobile payments option lets you pay quickly and securely at participating retailers. At First New York, we believe that managing your finances should be straightforward and secure. Explore all these great features and more by visiting https://www.firstnewyork.org/ today!

Key Services

With our user-friendly online banking platform available at https://www.firstnewyork.org/, you can manage your accounts anytime, anywhere. Whether you're checking balances, transferring funds, or paying bills, our 24/7 online banking service ensures you have access whenever you need it. Plus, our mobile application makes banking on the go even simpler, allowing you to handle transactions directly from your smartphone.

Security and Ease of Use

We prioritize your security while providing a seamless experience. Our electronic signature authorization feature allows you to sign documents safely online without any hassle. You can also opt for e-statements, reducing paper clutter while still keeping track of your finances easily.

Financial Strength

Commitment to Growth

With $44,305,464 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We proudly support our community with $3,747 in used auto loans and $361,352,593 in total loans and leases, reinforcing our commitment to helping you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $85,143,994 in share certificates and $47,056,704 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $632,967, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 118 full-time employees and 14 part-time employees. This ensures that our branches are always ready to serve you with a knowledgeable and committed team.

Solid Financial Health

With a net worth of $45,713,612, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.41% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trusting Relationships

The trust you've placed in us is evident with a total of 65,119 share accounts. This growing member base reflects the confidence you have in First New York as your preferred financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First New York is your trusted partner. Visit us at 1533 Route 9 Halfmoon Ny 12065 or call (518) 393-1326 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $59,274,956 in used vehicle loans and $29,064,485 in new vehicle loans already helping members get on the road. With flexible terms and competitive rates, our auto loans are designed to fit your budget and lifestyle.

Commercial Loans

For business owners, our outstanding commercial loans totaling $46,079,795 provide the capital needed to grow and expand your ventures. We understand that running a business comes with its unique challenges; that's why we are committed to offering practical financing solutions.

Credit Lines

For those who prefer having access to funds as needed, our total credit lines amounting to $62,120,087 ensure that you have financial flexibility at your fingertips. These lines can help cover unexpected expenses or provide additional cash flow during transitional periods.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $101,150,144, make buying or refinancing simple. We provide support every step of the way, ensuring you have access to the resources you need for a smooth mortgage process.

Refinancing Options

If you're considering refinancing any existing loans or credit lines, our team is here to guide you through the process. We offer various eligibility options tailored to fit different financial situations. Our branch is located at 1533 Route 9 Halfmoon Ny 12065, serving the community of Halfmoon, NY. For personalized service or any inquiries about our loan offerings, feel free to reach out at (518) 393-1326. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At First New York, we're dedicated to helping you navigate your financial journey with confidence.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $12,206,162 in loans helping members manage their finances effectively. This option allows you to make purchases while keeping your cash flow steady, without needing collateral.

Loan Aggregator

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FIRST NEW YORK FEDERAL CREDIT UNION - Halfmoon, NY

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