First New York Credit Union Troy NY | Quick Personal Loans & ATM Services

Introduction

Welcome to First New York, your trusted financial partner located at 31 Jordan Rd, Troy, NY 12180. Since our establishment in 1937, we have proudly served our community, growing to a membership of over 37,958 individuals who count on us for their financial needs. With total assets amounting to an impressive $488,357,839, we are committed to providing top-notch services that empower our members to achieve their financial goals. At First New York, we understand that every member's journey is unique. That's why we offer a wide range of services tailored just for you from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Our dedicated team of 132 employees, led by CEO Lucy Halstead and Board President Brian Krawiecki, works diligently to ensure that you receive exceptional service every time you visit us or connect with us online. While members can visit us at our branch location, official correspondence should be sent to the same address: 31 Jordan Rd, Troy, NY 12180-8548. We take pride in maintaining a strong connection with our community and continually strive to improve our offerings. With total deposits of $16,199,835 and a net worth of $45,713,612, we are not just a credit union; we are a cornerstone of financial stability in the Troy area. To learn more about how we can assist you or to explore our services further, please visit our website at www.firstnewyork.org or give us a call at 518-393-1326. Join us on this journey towards financial success your future starts here!

Branch History & Mission

A Call to Action

Join us at First New York as we continue this journey together! Experience the benefits of being a member at a credit union that truly cares about its community. Visit us during our operating hours from Monday through Friday between 8 AM and 6 PM, or on Saturday from 9 AM until 1 PM. If you have questions or want to learn more about how we can help you, don't hesitate to call us at (518) 393-1326. Together, let's build a brighter financial future for everyone in Troy!

Commitment to Innovation

As part of our commitment to serving you better, we have embraced technological advancements that make banking easier and more efficient. Enjoy features such as online banking, mobile payments, and ATM access ensuring you can manage your finances conveniently anytime, anywhere. Our drive-thru service provides additional flexibility for quick transactions.

Our Mission

At First New York, our mission is simple yet impactful: to empower individuals and families with the tools they need to achieve their financial goals while fostering a sense of community. We believe that everyone deserves access to fair and affordable financial services. That's why we offer a wide range of products including personal banking, auto loans, mortgage options, and business services all designed with our members' best interests at heart. We strive not only to meet the banking needs of our members but also to support local initiatives and partnerships that enrich our community. Whether through sponsoring local events or participating in outreach programs, we are dedicated to making a difference right here in Troy.

Branch Location & Accessibility

Welcome to the First New York Credit Union's North Greenbush Branch! Conveniently located at 31 Jordan Rd in Troy, NY, our branch is here to serve you with a friendly smile and all your banking needs. Whether you're visiting us for personal banking, auto loans, or just to chat about your financial goals, we make it easy for you to find us. While members can visit us at 31 Jordan Rd, official correspondence should be sent to the same address. We are nestled in Rensselaer County, close to local landmarks that make us easy to spot. If you're nearby, swing by and check out our accessible facilities which include ADA-compliant features and ample parking for all members. Our lobby hours are designed with your convenience in mind. We're open Monday through Friday from 8 AM until 6 PM, and on Saturdays from 9 AM until 1 PM for drive-thru services. This gives you plenty of time to stop by after work or during your weekend errands. At First New York, we offer a variety of services including checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and more. Plus, we have an ATM available for quick cash withdrawals whenever you need them. Our drive-thru service allows for easy deposits and simple transactions without leaving your car. We're proud to be a shared service center as well, which means that members from partner credit unions can also enjoy our facilities for basic transactions like deposits and withdrawals. If you have any questions or want to learn more about what we can do for you, feel free to give us a call at 518-393-1326. We can't wait to welcome you into our branch!

Member Eligibility

Joining First New York is like stepping into a welcoming community where your financial well-being is our priority. To become a member, you simply need to meet a few friendly criteria that include living, working, or attending school in the area we serve. We embrace individuals from all walks of life, making it easy for you to join us and enjoy the various benefits we offer. At First New York, you'll find an array of services designed to support your financial journey, including personal banking, auto loans, and more. To get started on your membership journey at First New York, just visit our website for detailed information about eligibility. Once you're ready, opening an account is a breeze! You can easily apply online through this link: 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're here for you every step of the way!

Business Banking & Commercial Services

Business Loans That Empower Growth

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 That Simplify Transactions

Running a business means managing countless transactions. Our merchant services provide easy payment solutions that keep your cash flow smooth. Imagine processing payments quickly and securely while keeping your customers happy. From card readers to online payment options, we make it simple for you to focus on what matters most growing your business. Located at 31 Jordan Rd Troy Ny 12180 in Troy, NY, we invite you to explore how First New York can support your business ambitions. Contact us at (518) 393-1326 or visit our website for more information!

Comprehensive List Of Services

Business Banking

If you run a business, our Business Banking services will help you thrive. From Merchant Services that simplify payment processing to tailored Business Loans, we provide resources that support entrepreneurs in achieving their visions.

Convenient Access

We also prioritize convenience through our robust digital banking features. With Online & Mobile Banking, you can manage your accounts on the go check balances, transfer funds, and pay bills with just a few taps on your smartphone. Need cash? Our ATMs allow for quick withdrawals and balance checks whenever you need them. For those who prefer face-to-face interactions, our branch offers basic drive-thru services for deposits and withdrawals, along with shared branch transactions for members of partner credit unions. We invite you to visit us at 31 Jordan Rd Troy Ny 12180 or give us a call at (518) 393-1326 to learn more about how we can assist you with all your banking needs. At First New York, we're committed to helping you navigate your financial journey with ease and confidence!

Credit Cards

To reward your spending habits, we offer Credit Cards with Rewards that give back every time you make a purchase. With various reward options available, you can choose a card that aligns with your lifestyle whether it's earning points for travel or cash back on everyday purchases.

Loans and Financing

When it comes to financing, we know life can present unexpected challenges or exciting opportunities. For those in need of a new vehicle or looking to refinance their home, our Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing products are designed with competitive rates and flexible terms. If you're considering consolidating debt or need extra cash for personal projects, our Personal Loans are here to support you in reaching your financial goals.

Personal Banking

Managing your day-to-day finances should be hassle-free, which is why we offer a variety of Personal Banking options. Whether you're looking for checking or savings accounts, we have the perfect solutions to help you save money and manage your expenses effectively. Our accounts come with features designed for your convenience, such as online banking and mobile payments, making it easy to access your funds anytime, anywhere.

Digital & Online Banking

Access Anytime, Anywhere

With 24/7 online banking services available at https://www.firstnewyork.org/, you can check balances, pay bills, and transfer funds at your convenience. Imagine being able to manage your money while sipping coffee at home or waiting in line at the grocery store! Our mobile application makes this possible. Download it today to have all the features you need right at your fingertips.

Easy Transfers and Payments

Need to send money to a friend? Our person-to-person transfers make it simple and quick. You can send funds with just a few taps on your phone. Plus, if you're someone who prefers making payments on-the-go, our mobile payments feature allows you to pay for purchases directly from your smartphone.

Real-Time Account Management

Our user-friendly interface ensures that you can manage your accounts with ease. Whether you're checking transactions or setting up new alerts, everything is designed for a smooth experience. You're in control of your finances in real-time, giving you peace of mind wherever life takes you. Experience the convenience of modern banking at First New York today! Visit us online or download our mobile app to get started on simplifying your financial journey.

Security You Can Trust

We prioritize your security with features like electronic signature authorization for easy document signing from anywhere. You can also opt for e-statements, which not only keep your information organized but also reduce paper clutter helping both you and the environment.

Financial Strength

Commitment to Our Members

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. Additionally, our $44,305,464 in undivided earnings allows us to reinvest in innovative banking tools and stronger lending options, enhancing the overall member experience.

Growing Member Base

With a total of 65,119 share accounts, we demonstrate a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $627,216, reflecting our dedication to fostering community growth. 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 31 Jordan Rd Troy Ny 12180 or call (518) 393-1326 to learn more about how we can help you achieve your financial goals.

Lending Capacity

With $3,747 in used auto loans and $361,352,593 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our focus remains on providing accessible financing options tailored to your needs.

Operational Efficiency

Our operational efficiency is evident in our $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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

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. This structure is designed to protect your hard-earned money while also maximizing your earning potential.

Strong Financial Foundation

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.

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 interested in financing a brand-new vehicle or a reliable used one, our flexible terms can make it easier for you.

Business Loans

For business owners, our outstanding commercial loans totaling $46,079,795 provide the capital needed to grow and expand your operations. We recognize that running a business comes with its own set of challenges; that's why we aim to offer solutions that fit your needs. Our team is here to help you explore refinancing options if you're looking to lower your monthly payments or tap into your home's equity. And don't worry if you're unsure about eligibility; we encourage you to reach out via phone at 518-393-1326 for personalized assistance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what type of loan you need, our goal is to provide straightforward solutions that empower you financially. Come visit us at First New York in Troy or check out more information on our website here. Let's work together to make your financial dreams a reality!

Credit Lines and Unsecured Loans

If you're looking for flexibility in managing your finances, consider our credit lines and unsecured credit card loans. We have a total of $62,120,087 in credit lines available and $12,206,162 in unsecured credit card loans helping members manage their everyday expenses effectively. These products are designed with your convenience in mind.

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. Our mortgage specialists are ready to guide you through every step of the process.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. Whether you're looking to finance a new home, purchase a vehicle, or consolidate debt, LendMesh makes it easier to find the right loan for your needs. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to transparency is based on the latest results from the NCUA website (Source: https://www.ncua.gov), ensuring that users receive fair and reliable offers. One key benefit of using LendMesh is its Verified Data. Loan offers are sourced exclusively from legitimate financial institutions, guaranteeing that users have access to accurate information. Additionally, LendMesh features No Sponsored Listings, meaning lenders are not prioritized based on paid promotions. This approach allows users to see unbiased results tailored to their unique circumstances. With Real-Time Rate Comparisons, users can view up-to-date loan rates from multiple institutions, making informed decisions straightforward. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and valuable LendMesh can be in helping individuals secure better financial options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

FIRST NEW YORK FEDERAL CREDIT UNION - Troy, NY

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