Neighborhood Trust Credit Union New York NY | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Neighborhood Trust, your reliable partner in achieving financial wellness. Located at 1112 Saint Nicholas Ave, New York, NY 10032, we have been serving our community since 1995. With over 3,200 members and growing, our commitment is to provide personalized banking solutions tailored to your needs. At Neighborhood Trust, we pride ourselves on our strong financial foundation, boasting total assets of $18,887,248 and total deposits amounting to $2,172,634. Our dedicated team of 12 employees, led by CEO Rafael Monge-Portaro and Board President Robert Green, works tirelessly to ensure you receive the best service possible. Whether you're looking for auto loans or personal banking services, our offerings are designed with you in mind. While members can visit us at our branch for face-to-face support and guidance, official correspondence should be sent to the same address listed above. We encourage you to explore our services such as checking and savings accounts, mortgage loans, credit cards with rewards, and more all crafted to help you manage your finances effectively. Discover how Neighborhood Trust can make a positive impact on your financial journey. Call us today at 212-740-0900 or visit our website at neighborhoodtrustfcu.org for more information. We're here to support you every step of the way!

Branch History & Mission

Community Commitment

Neighborhood Trust is more than just a credit union; we are an integral part of the New York community. We actively seek partnerships with local organizations to promote financial literacy and provide essential resources for those in need. Our commitment extends beyond banking; we aim to uplift our community through various outreach efforts that enhance social well-being. Although we currently do not offer ATM services or drive-thru banking, we have embraced digital advancements like online and mobile banking. This ensures that you can access your accounts conveniently while keeping your financial information secure.

Join Us!

We invite you to become part of the Neighborhood Trust family. Experience firsthand the benefits of being a member where your financial needs are met with care, compassion, and expertise. Together, let's build a brighter future for ourselves and our community. For more information or assistance, feel free to call us at 212-740-0900 or visit our website at neighborhoodtrustfcu.org. Join us today!

Our Journey

From our humble beginnings, Neighborhood Trust has grown significantly over the years. We started with a small group of dedicated members who believed in the power of community banking. Today, we proudly serve over 3,200 members and manage total assets of approximately $18,887,248. Our journey reflects our commitment to helping our members achieve their financial goals while fostering a sense of belonging. In every step of our evolution, we've remained focused on providing quality services tailored to the needs of our diverse membership. As we expanded our offerings from personal banking services like checking and savings accounts to auto loans and mortgages we have always prioritized accessibility and customer satisfaction.

Our Mission

At Neighborhood Trust, our mission is simple yet profound: to empower individuals and families through accessible financial services while nurturing a supportive community. We believe that everyone deserves the opportunity to thrive financially, regardless of their background or circumstances. This mission drives us to offer not just products but also educational resources and community outreach programs that make a real difference in people's lives. While members can visit us at 1112 Saint Nicholas Ave, official correspondence should be sent to the same address. Our operating hours are designed to accommodate your busy schedule: Monday, Tuesday, and Friday from 9 AM to 4 PM, Thursday from 9 AM to 6 PM, and closed on Wednesdays.

Branch Location & Accessibility

Branch Features and Services

At Neighborhood Trust, we offer a variety of personal banking services designed to fit your lifestyle. From checking and savings accounts to auto loans and credit cards with rewards, we are here to help you manage your finances effectively. While we do not have ATM services or drive-thru banking at this branch, our friendly staff is always ready to assist you in person.

Getting Here

Finding us is a breeze! Whether you're coming from the nearby parks or local shops, our location offers ample street parking and is ADA-compliant for those who need it. If you're arriving by public transportation, multiple bus routes service our area, making it simple to swing by.

Operating Hours

We understand that your time is valuable, which is why we have flexible hours tailored to meet your needs. Our lobby is open Monday, Tuesday, and Friday from 9 AM to 4 PM; Thursday from 9 AM to 6 PM; and closed on Wednesdays. If you have any questions or need assistance outside these hours, feel free to give us a call at 212-740-0900. While members can visit us at 1112 Saint Nicholas Ave for all banking needs, official correspondence should be sent to the same address as well. We invite you to stop by today and discover how we can support your financial journey!

Member Eligibility

Joining the Neighborhood Trust is like becoming part of a close-knit family that genuinely cares about your financial well-being. To become a member of our community at 1112 Saint Nicholas Ave, New York, NY 10032, you simply need to meet a few friendly eligibility criteria. Typically, membership is open to anyone who lives, works, worships, or attends school in the neighborhoods we serve. If you're unsure whether you qualify, don't worry! You can find all the details by visiting our website at for the latest information. Becoming a member isn't just about access to financial services; it's about joining a supportive environment where your needs matter. At Neighborhood Trust, we offer competitive rates on loans and savings products designed to help you achieve your goals. Plus, opening an account is straightforward just follow this link https://user.happymangocredit.com/#signup/ntfcu to get started today! If you have any questions or need assistance along the way, feel free to give us a call at (212) 740-0900. We're excited to welcome you into our community!

Business Banking & Commercial Services

Financing Options Tailored for You

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $3 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $222,416, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

In addition to loans, we offer merchant services that simplify payment processing for your business. This means you can focus on what you do best serving your customers while we handle the transactions seamlessly. With our reliable systems, accepting payments becomes hassle-free, allowing you to grow your customer base and boost sales. Visit us at 1112 Saint Nicholas Ave New York Ny 10032 in New York, NY or call us at (212) 740-0900 to learn more about how our business banking services can empower your company's success!

Comprehensive List Of Services

Additional Services

While we don't have ATMs or drive-thru service at this branch, we ensure that all our members have access to cash withdrawal services through various channels whenever needed. At Neighborhood Trust, we're committed to offering personalized service that meets your financial needs. If you're interested in learning more about any of these services or would like assistance with opening an account, please don't hesitate to reach out! Give us a call at 212-740-0900 or visit us today! We look forward to serving you!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options are tailored to help you hit the road in no time. With flexible terms and competitive rates, financing your dream vehicle has never been easier.

Business Banking Services

For small business owners, we offer specialized business banking services including merchant services and business loans. We know how vital it is for businesses to have access to funds quickly, so our team is ready to support your entrepreneurial journey.

Credit Cards with Rewards

With our credit cards featuring rewards, every purchase can bring you closer to benefits like cashback or travel points. It's an easy way to earn rewards while using your card for everyday expenses.

Mortgage Loans & Refinancing

Homeownership is an important milestone, and we are here to help you achieve it with our mortgage loans. If you already own a home, consider our refinancing options which could potentially lower your monthly payments or free up cash for other needs.

Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we provide robust online and mobile banking services allowing you to manage your accounts anytime, anywhere. Pay bills, transfer money, or check balances from the comfort of your home or on the go.

Personal Banking Solutions

We understand that managing your finances can be challenging. That's why we offer checking and savings accounts that come with competitive rates and easy access through online and mobile banking. Whether you're saving for a vacation or need a reliable checking account for daily expenses, we've got you covered.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans are designed to assist you during those times when you need extra funds. Additionally, if you're looking to manage debt more effectively, our debt consolidation services can simplify your finances by combining multiple payments into one manageable loan.

Digital & Online Banking

24/7 Account Management

With our 24/7 online banking services, managing your finances has never been easier. You can view transaction history in real-time, set up alerts for due dates or low balances, and monitor account activity all from the comfort of your home or while on the move. At Neighborhood Trust, we're committed to making banking simple and accessible for everyone. Join us today and experience the ease of digital banking!

Key Services

Our online banking platform, accessible at https://neighborhoodtrustfcu.org/, allows you to check balances, transfer funds, and pay bills effortlessly. You can also take advantage of e-statements, so you can receive your financial documents electronically saving paper and keeping everything organized right in your inbox. Plus, if you're ever in need of quick cash transfers between friends or family, our person-to-person transfer feature is here to help you send money instantly.

Security and Accessibility

We prioritize your security while providing user-friendly features. With our mobile application available for download, you can carry your credit union right in your pocket. Enjoy features like mobile payments that let you make purchases without needing cash or cards. While we don't currently offer electronic signature authorization, rest assured that all your transactions are secure and protected.

Financial Strength

At Neighborhood Trust, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a strong foundation built on trust and reliability, we are committed to providing the best services possible to our community. With a net worth of $4,505,172, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 23.85% 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 $633,106 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,677,038, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $4,349,483 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $8 in used auto loans and $13,634,080 in total loans and leases. Our operational efficiency is evident with a net income of $48,471, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 11 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $109,240. Total Share Accounts: 4,406, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Neighborhood Trust is your trusted partner. Visit us at 1112 Saint Nicholas Ave New York NY 10032 or call 212-740-0900 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 $138,319 in used vehicle loans and $35,360 in new vehicle loans already helping members get on the road. Our team is ready to assist you with both new and used vehicle financing options.

Commercial Loans

For business owners looking to expand, our outstanding commercial loans totaling $222,416 provide the capital needed to grow your business. We understand the challenges of running a business and are committed to offering solutions that work for you. At Neighborhood Trust, we believe in making financial decisions straightforward. If you're considering refinancing or exploring eligibility options for our products, don't hesitate to contact us. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Feel free to visit us online at neighborhoodtrustfcu.org for more information about our services and how we can assist you today!

Credit Lines and Unsecured Loans

For those who need more flexibility in managing their finances, we also provide total credit lines amounting to $660,000. Additionally, our flexible terms on unsecured credit card loans have already supported members with a total of $67,986 in loans. These options can help you better manage unexpected expenses or consolidate debt effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $55,777, make buying or refinancing simple. We are here to guide you through the process and help you secure a loan that fits your budget.

Loan Aggregator

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