First New York Credit Union Schenectady NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First New York, where community and commitment come together to create a brighter financial future for our members. Located at 1879 Altamont Ave, Schenectady, NY 12303, our branch has been serving the community since 1937, building strong relationships based on trust and reliability. As a proud part of your neighborhood, we are dedicated to providing personalized banking solutions that meet your unique needs. At First New York, we understand the importance of making informed financial decisions. With total assets exceeding $488 million, we have the resources to support you in every stage of your financial journey. Our diverse offerings include personal banking services like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Whether you're looking to purchase a new car or save for your dream home, our expert team is here to help. As of now, we proudly serve over 37,900 members and maintain a solid financial foundation with total deposits of $16,199,835 and net worth of $45,713,612. Under the leadership of CEO Lucy Halstead and Board President Brian Krawiecki, our dedicated staff of 132 employees is committed to ensuring that you receive exceptional service tailored just for you. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 1879 Altamont Avenue, Schenectady, NY 12303. We invite you to reach out by calling us at 518-881-1980 or visiting our website at firstnewyork.org to learn more about how we can assist you today. Join us at First New York where your financial success is our priority!

Branch History & Mission

Community Commitment

Beyond financial services, First New York actively engages with the local community through various outreach programs and partnerships. We recognize the importance of giving back and regularly participate in initiatives aimed at supporting local organizations and causes. This commitment enhances our connection with members and allows us to contribute positively to the vibrant community of Schenectady. With total assets reaching an impressive $488,357,839, we are financially sound and ready to serve our members better every day. Our operating hours are designed for your convenience: Monday-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. Additionally, we offer ATM availability for quick access to your funds. As you explore your options for financial services, we invite you to experience the unique benefits of being part of the First New York family. Join us today and discover how we can support your financial journey! For more information or assistance, feel free to call us at 518-881-1980 or visit our website at First New York. Together, let's build a brighter future!

Our Mission

Our mission is simple yet powerful: to empower our members through quality financial services while fostering a sense of community. At First New York, we believe that everyone deserves access to financial tools that help them thrive. Whether it's personal banking like checking and savings accounts or loans for vehicles and homes, we strive to provide solutions that make a real difference in people's lives. We're not just about transactions; we're about building relationships. Our dedicated team works tirelessly to ensure that every member feels valued and supported. We embrace digital advancements with features like online banking and mobile payments, ensuring that our services are not only effective but also convenient.

Branch Location & Accessibility

Accessibility and Parking

Our branch is designed with your convenience in mind. We offer ample parking space, ensuring you can easily access our services without any hassle. For those who may need assistance, rest assured that we comply with ADA standards, providing features like ramps and accessible entrances.

Get in Touch

If you have questions or need assistance before your visit, feel free to give us a call at 518-881-1980. We look forward to welcoming you at our Schenectady branch! While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location as well. Come see how First New York can support your financial journey today!

Operating Hours and Services

We understand that life can be busy, which is why our lobby hours are tailored to fit your schedule. You can visit us Monday through 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. At First New York, we offer a range of services including checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and business banking solutions. Plus, with ATM availability on-site and shared service center access for partner credit union members, your banking experience is more convenient than ever.

Member Eligibility

At First New York, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and open to many! If you live, work, worship, or attend school in the Schenectady area, you're likely eligible to join us. We also welcome family members of existing members, making it easy for loved ones to benefit from our services together. Our focus is on providing personalized financial solutions that meet your needs while fostering a sense of belonging. To learn more about specific eligibility requirements, feel free to visit our detailed guide. Once you're ready to become part of the First New York family, opening an account is just a click away! You can start the process by visiting https://firstnewyork.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad4hzayernesmgw-f2ttpe88-imhyfipwofrmzrkudbcyi_r3xzknvpw7citqirwqqw_4kdib3m5x70wtehzik2mqlqcdcpzdzifti9felggiukm-mgkogwcsc2xbpwnb0sjffiabzqg9azknd4_bvf4yiqdugqfmu9c8mnmekecd or give us a call at (518) 881-1980 if you have any questions. We can't wait to welcome you to our branch at 1879 Altamont Ave Schenectady Ny 12303!

Business Banking & Commercial Services

Business Loan Options

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.

Merchant Services

Imagine a busy Saturday at your local café. Customers are lining up for their favorite drinks, and you need a quick way to process payments. Our merchant services allow you to accept card payments seamlessly, so you can focus on what matters most serving your customers. From small shops to larger enterprises, we provide tools that help streamline operations and enhance customer satisfaction. Located at 1879 Altamont Ave Schenectady Ny 12303, Schenectady, NY 12303, we're here to empower your business journey. Reach out to us at (518) 881-1980 to learn more about how we can support your financial needs today!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, we offer comprehensive Business Banking solutions including Merchant Services & Business Loans. Whether you're starting a new venture or need support for growth, we're here to empower your business journey.

Commitment to Accessibility

Understanding that banking should be available when you need it most, our location features an ATM for quick access to cash and balance checks. With operating hours designed around your schedule Monday through Saturday we aim to serve you better. Feel free to reach out at (518) 881-1980 if you have any questions about our services or would like assistance in choosing the right options for your needs. At First New York, we're not just about banking; we're about building lasting relationships with our members. Visit us today at 1879 Altamont Ave Schenectady Ny 12303, or explore more online at https://www.firstnewyork.org/. Let us help you take control of your financial future!

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking services that allow you to manage your accounts anytime and anywhere. Need cash? Utilize our ATM & Cash Withdrawal Services for easy access to your funds. We also facilitate basic shared branch transactions so that members of partner credit unions can perform deposits and withdrawals without hassle.

Home Financing Made Easy

For those considering purchasing a home or refinancing an existing mortgage, we provide tailored Mortgage Loans & Refinancing options. Our knowledgeable team is here to guide you through every step of the process. We understand that buying a home is one of the biggest decisions you'll ever make, and we're committed to making it as smooth as possible.

Personal Banking Solutions

Whether you're looking to save for a dream vacation or manage your day-to-day expenses, our Personal Banking options have you covered. You can choose from Checking & Savings Accounts that suit your financial habits, helping you manage your money efficiently. If you're thinking about buying a new car, consider our Auto Loans & Vehicle Financing, which offer competitive rates to get you on the road without breaking the bank.

Support for Your Financial Goals

If you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation services can help ease your financial burden. Plus, our Credit Cards with Rewards allow you to earn points on purchases you already make helping you get more from your everyday spending.

Digital & Online Banking

E-Statements and Mobile Features

Keep track of your financial health with e-statements that provide a clear view of your transactions all while reducing paper clutter. If you prefer managing your accounts on the go, our mobile application is designed just for you. Download it today to take advantage of mobile payments and person-to-person transfers. Whether you're splitting a bill with friends or paying for groceries, these features make transactions simple and instant.

Online Banking Services

With 24/7 online banking available at https://www.firstnewyork.org/, you can access your accounts anytime, anywhere. View your balance, transfer funds, and pay bills without stepping foot in a branch. Our user-friendly interface ensures that you can navigate through your financial tasks quickly and efficiently. Plus, with electronic signature authorization available, signing documents is easier than ever no need to print or scan anything!

Security You Can Trust

At First New York, we prioritize your security. Our online banking services are equipped with advanced security measures to protect your personal information. You can bank with confidence knowing that we have systems in place to keep your data safe. In summary, our digital and online banking services are all about making your life easier while ensuring top-notch security. Join us at First New York to experience a new level of convenience in managing your finances!

Financial Strength

Committed Workforce

We also take pride in having 118 full-time employees and 14 part-time employees who are always ready to serve you with a knowledgeable, committed team. Our staff is dedicated to ensuring that every interaction you have with us is positive and productive. With net shares amounting to $627,216, our funds are readily available for lending and investments that benefit our member base. Our total share accounts stand at 65,119, showcasing a strong community of trust among our members. In conclusion, 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 1879 Altamont Ave Schenectady Ny 12303 or call (518) 881-1980 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.

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. We prioritize your financial goals by creating avenues for you to save and grow your funds with confidence. Unlike traditional banks, we focus on our members first. With non-member deposits at $0, we ensure that our resources are directed toward benefiting you through better loan rates, lower fees, and exclusive perks designed just for you.

Reinvestment for Improvement

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. This approach allows us to continually improve our offerings while maintaining the highest standards of service. Our lending capacity supports members' financial goals across various sectors, with $3,747 in used auto loans and $361,352,593 in total loans and leases available. Whether you're looking to buy a new vehicle or finance personal projects, we're here to help make it happen.

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. This robust net worth shows our ability to support our members' needs while continuing to grow as a credit union. 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. This stability means you can trust us to manage your finances effectively.

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. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, our team is here to assist you with competitive financing options.

Business Financing

For business owners, our outstanding commercial loans totaling $46,079,795 provide the capital needed to grow and expand your business operations. We are committed to supporting local businesses by offering accessible financing solutions tailored to meet their needs. If you're interested in any of these loan products or want more information about eligibility and refinancing options, feel free to contact us at 518-881-1980 or visit us at 1879 Altamont Ave Schenectady NY 12303. We're here Monday through Thursday from 9:00 am to 5:00 pm and Friday from 9:00 am to 6:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and let us help you achieve your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $101,150,144, ensuring that you have access to the funding necessary for your dream home. Our mortgage specialists can help guide you through the application process and explore refinancing options if you're looking to lower your current rate.

Unsecured Credit Card Loans

Managing daily expenses can be easier with our unsecured credit card loans. With a total of $12,206,162 in loans available to our members, we provide flexible terms that allow you to manage your finances effectively while enjoying the benefits of rewards programs.

Loan Aggregator

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FIRST NEW YORK FEDERAL CREDIT UNION - Schenectady, NY

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