First New York Credit Union Saratoga Springs NY | Affordable Auto Loans & Business Banking

Introduction

At First New York, we believe in building strong, lasting relationships with our members right here in the heart of Saratoga Springs. Established in 1937, our branch located at 424 Maple Ave, Saratoga Springs, NY 12866 has been a cornerstone of financial support for our community. With over 37,000 members, we are dedicated to offering personalized banking solutions that cater to your unique needs. As a trusted credit union with total assets exceeding $488 million, we take pride in our ability to provide competitive loans and savings options. Whether you're looking for an auto loan among our total of 17,221 loans and leases, or want to explore investment opportunities with our total deposits of $16,199,835, we have you covered. Our leadership team is committed to ensuring your financial success. Under the guidance of CEO Lucy Halstead and Board President Brian Krawiecki, we focus on providing exceptional service and innovative products that make banking easier for you. With a dedicated staff of 132 employees, we are here to assist you every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address. You can easily reach us at (518) 584-5343 during our lobby hours from Monday to Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. We invite you to discover how First New York can help you achieve your financial goals. Visit us today or check out our website at www.firstnewyork.org for more information on our services!

Branch History & Mission

Connect with Us

While members can visit us at 424 Maple Ave, official correspondence should be sent to 424 Maple Avenue, Saratoga Springs, NY 12866. Our operating hours are convenient: Monday through Thursday from 9:00 AM to 5:00 PM; Friday until 6:00 PM; and Saturday from 9:00 AM to 1:00 PM. Need assistance? Give us a call at 518-584-5343. We invite you to join First New York and experience firsthand the benefits of being part of a credit union that truly cares about its members. Whether you're looking for personal banking solutions or want to learn more about how we support our community, we're here for you every step of the way. Visit us today or explore more on our website here.

Our Mission

At First New York, our mission is straightforward: to empower our members through accessible financial solutions while fostering a sense of community. We believe that everyone deserves the opportunity to achieve their financial goals, whether that's buying a home or starting a business. Our dedicated team is here to help guide you every step of the way. We take pride in not only offering competitive rates and services but also ensuring that everyone can access them. With features like ADA-compliant facilities and digital advancements such as online banking and mobile payments, we strive to make banking easy and inclusive for all. In addition to providing essential financial services, we actively engage in community outreach efforts. From local partnerships to support charitable initiatives, we understand that our success is intertwined with the well-being of the Saratoga Springs community.

Branch Location & Accessibility

Comprehensive Services

At First New York, we offer a wide range of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgages, our knowledgeable staff is here to assist you. Enjoy hassle-free ATM access and drive-thru services for quick deposits and withdrawals. Plus, as part of our commitment to serving our community, we provide shared services for partner credit union members.

Easy Access and Parking

At First New York, we prioritize accessibility. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can easily visit us. Ample parking is available nearby, so you won't have to worry about finding a spot when you arrive.

Get in Touch

Have questions or want to learn more about how we can help? Feel free to call us at 518-584-5343 or stop by our friendly branch at 424 Maple Ave. We look forward to welcoming you into the First New York family!

Operating Hours Tailored to You

Our lobby hours are designed with your busy schedule in mind. We're open Monday through Thursday from 9:00 am to 5:00 pm, extending our hours until 6:00 pm on Fridays for those who need a bit more time. We also welcome you on Saturdays from 9:00 am to 1:00 pm. If you prefer the convenience of drive-thru banking, we're here for you as well! Drive-up service is available during similar hours Monday through Thursday from 8:00 am to 5:00 pm, Friday until 6:00 pm, and Saturday from 9:00 am to 1:00 pm.

Member Eligibility

At First New York, we believe that joining our credit union is like stepping into a supportive family where your financial well-being is our priority. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Saratoga Springs area, you're likely eligible to join us. We're here to help you navigate through the process of membership and share the many benefits that come with it. From competitive loan rates to personalized service, our members enjoy a range of advantages designed to enhance their financial journey. To learn more about specific eligibility criteria, we invite you to visit our website. If you're ready to take the next step and open an account, it's as easy as clicking on this link: https://firstnewyork.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad4hzayernesmgw-f2ttpe88-imhyfipwofrmzrkudbcyi_r3xzknvpw7citqirwqqw_4kdib3m5x70wtehzik2mqlqcdcpzdzifti9felggiukm-mgkogwcsc2xbpwnb0sjffiabzqg9azknd4_bvf4yiqdugqfmu9c8mnmekecd. Should you have any questions or need assistance, don't hesitate to call us at (518) 584-5343. We're excited to welcome you to our community at First New York, located at 424 Maple Ave Saratoga Springs Ny 12866, and look forward to supporting your financial goals!

Business Banking & Commercial Services

Merchant Services Tailored for You

In addition to loans, our merchant services simplify your payment processes, allowing you to focus on what you do best running your business. Imagine having a reliable way to accept payments quickly and securely, whether it's through credit cards or mobile payments. This means happier customers and more time spent growing your business instead of managing transactions. Located at 424 Maple Ave Saratoga Springs Ny 12866 in Saratoga Springs, NY, we invite you to explore how our business banking solutions can help you thrive. Call us at (518) 584-5343 or visit us online at https://www.firstnewyork.org/ today!

Supporting Your 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

Access When You Need It

Need cash quickly? Our ATMs are available for easy access to cash withdrawals and balance checks. Plus, our basic drive-thru banking service allows you to handle deposits and withdrawals without leaving your car perfect for busy days! Additionally, we participate in shared branch transactions so members of partner credit unions can also access their accounts conveniently at our location.

Business Banking Solutions

For our business members, we provide specialized business banking services, including merchant services and business loans. We want to see your business thrive, so we offer tools and support tailored for entrepreneurs at every stage.

Credit Cards with Benefits

Who doesn't love rewards? Our credit cards with rewards program offers perks for everyday purchases, allowing you to earn points on things you already buy. It's an excellent way to maximize the value of your spending.

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking solutions that let you manage your accounts from anywhere. Whether you want to check your balance, transfer funds, or pay bills, our digital features make it easy.

Personal Banking Made Easy

We offer a variety of personal banking options to make your everyday transactions simple and convenient. You can open a checking or savings account that suits your lifestyle and helps you manage your money effectively. For those looking to purchase a new car or finance a vehicle, our auto loans and vehicle financing services provide competitive rates that can fit any budget. If you're thinking about buying a home, our mortgage loans and refinancing options are designed to guide you through the process smoothly. And if you're facing unexpected expenses, our personal loans and debt consolidation services can help lighten your financial load.

Visit Us Today!

If you're ready to experience all that First New York has to offer, come visit us at 424 Maple Ave Saratoga Springs Ny 12866 in beautiful Saratoga Springs, NY. Our friendly team is here to answer any questions you may have about our services. Give us a call at (518) 584-5343, or explore more about what we do on our website at https://www.firstnewyork.org/. We look forward to helping you achieve your financial goals!

Digital & Online Banking

Mobile Banking Features

For those who prefer banking on the move, our mobile application is a must-have. It allows you to manage your accounts right from your smartphone. You can also enjoy features like mobile payments, making transactions quick and hassle-free. Need to send money to a friend? Our person-to-person transfers make it easy to send cash instantly.

Online Banking Services

With our robust online banking platform, accessible at https://www.firstnewyork.org/, you can check your balances, transfer funds, and pay bills anytime day or night. We provide 24/7 online banking services so you can stay connected to your accounts whenever it suits you. Plus, our user-friendly interface makes navigation simple for everyone.

Security and Convenience

Your security is our priority. We offer electronic signature authorization, ensuring that your transactions are safe and secure. Additionally, opting for e-statements helps you manage your finances without the clutter of paper statements while keeping everything organized and accessible. With all these features combined, First New York provides an accessible way to take control of your financial life. We're here to help you every step of the way, so explore all that our digital banking services have to offer today!

Financial Strength

At First New York, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We're proud to share that our financial health is robust, allowing us to focus on what matters most: serving you. 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. 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. Our commitment to your financial well-being extends beyond mere numbers. 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. Our lending capacity is supported by $3,747 in used auto loans and $361,352,593 in total loans and leases, helping you achieve your personal finance goals. Reflecting our operational efficiency is our impressive $632,967, which enables 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 dedicated to serving you with knowledge and care. Net Shares (Funds available for lending and investments): $627,216. Our member base is strong, with a total of 65,119 share accounts showing the trust placed in us by the community. 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 424 Maple Ave Saratoga Springs Ny 12866 or call (518) 584-5343 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $59,274,956 in used vehicle loans and $29,064,485 in new vehicle loans, helping members get on the road with confidence. You can choose from various terms that fit your budget, making it easier than ever to drive away in the vehicle you want.

Business Financing

For business owners, our outstanding commercial loans totaling $46,079,795 provide the capital needed to grow and expand your operations. We understand that running a business comes with its challenges, and having access to funds can make all the difference.

Credit Lines and Unsecured Loans

For those looking for flexibility, we offer credit lines with a total of $62,120,087 available. This can be an excellent way to manage unexpected expenses or consolidate debt. Additionally, our unsecured credit card loans amounting to $12,206,162 can help you manage your finances effectively without the need for collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $101,150,144. Whether you're buying your first home or refinancing an existing mortgage, our team is here to guide you through every step of the process.

Refinancing Options

If you're considering refinancing your current loans, we have options available that could save you money on interest or reduce your monthly payments. Be sure to ask about eligibility criteria when you contact us. Our branch is located at 424 Maple Ave Saratoga Springs Ny 12866, in beautiful Saratoga Springs, NY. For more information or personalized assistance, feel free to give us a call at (518) 584-5343. We're here to help! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit our website here for more details on how we can assist you with your loan needs!

Loan Aggregator

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FIRST NEW YORK FEDERAL CREDIT UNION - Saratoga Springs, NY

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