The Finest NY Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to The Finest at 215 Park Row, New York, NY 10038, your trusted partner in financial well-being since 2015. At our main branch, we pride ourselves on fostering a community of support and growth for our 9,565 members. With a strong foundation of $30,654,476 in total assets and an unwavering commitment to your needs, we are here to help you navigate your financial journey. Under the leadership of our dedicated CEO, Keith Stone, and Board President, George Mifsud, we strive to make banking not just a transaction but a meaningful relationship. Our team of 12 employees is always ready to assist you with personalized services ranging from checking and savings accounts to auto loans and mortgage refinancing. We understand the importance of being available when you need us most; that's why our doors are open from Monday to Friday, 9 AM to 4 PM. While members can visit us at our convenient location, official correspondence should be sent to 215 Park Row, Suite 2, New York, NY 10038. Whether you're looking to save for a new car or consolidate debt with one of our flexible personal loans, we are committed to helping you achieve your financial goals. With total deposits amounting to $5,032,766 and a net worth of $6,905,446, we're solidly positioned to provide reliable services tailored for you. Experience the difference with us today! For any inquiries or assistance, feel free to reach out at 646-661-1886. Join us as we continue making strides in enriching lives through better banking solutions. Visit us online at thefinestfcu.org or stop by and see how we can assist you!

Branch History & Mission

Community Connections

We understand that building strong partnerships is crucial for growth. Our shared service center further enhances our ability to meet member needs by collaborating with other credit unions. Additionally, we take pride in ensuring accessibility through ADA compliance and customer-centric initiatives that cater to all. As technology continues to advance, we are committed to integrating digital solutions such as online and mobile banking. These services allow our members easy access to their accounts anytime and anywhere while maintaining security and convenience.

Join Us

The Finest invites you to be part of our growing family! Experience firsthand how we're redefining what it means to be a credit union. Whether you're looking for personal banking solutions or seeking ways to improve your financial future, we're here for you every step of the way. To learn more about membership or open an account today, please reach out at 646-661-1886 or visit us online at The Finest FCU. Let's build a brighter financial future together!

Our Mission

The mission of The Finest is simple yet profound: we aim to empower our members through personalized financial solutions while actively contributing to the well-being of the communities we serve. We believe that everyone deserves access to quality financial services and support. That's why we strive not only to provide excellent banking options but also to engage in community outreach efforts that make a real difference. Our operating hours are Monday through Friday from 9 AM to 4 PM, making it convenient for you to visit us for your banking needs. While members can visit us at our branch address, official correspondence should be sent to 215 Park Row, Suite 2, New York, NY 10038 if you need assistance outside of these hours.

Our Story

Since our inception, The Finest has been dedicated to providing exceptional financial services tailored to meet the diverse needs of our members. We started with a vision of creating a supportive environment where individuals could access essential banking resources while also being part of a community-focused organization. Over the years, we have expanded our offerings to include personal banking, auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions. With total assets amounting to $30,654,476, we have maintained a strong financial foundation that allows us to support our members effectively. Our commitment to transparency and integrity has enabled us to foster lasting relationships within the community.

Branch Location & Accessibility

Welcome to The Finest, your go-to credit union located at 215 Park Row in the heart of New York, NY! Our branch is conveniently situated near well-known landmarks, making it easy for you to stop by while enjoying all that this vibrant city has to offer. Whether you're heading to a local café or exploring the nearby parks, visiting us is a breeze. At The Finest, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can easily access our services. While you're here, enjoy hassle-free parking options available nearby, so you can focus on what matters most your banking needs. We invite you to visit us during our operating hours from Monday to Friday, 9 AM to 4 PM. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, our friendly team is here to help. Plus, if you ever need to reach us outside of business hours, feel free to give us a call at 646-661-1886. While members can visit us at 215 Park Row for all their banking needs, official correspondence should be sent to the same address. At The Finest, we're also proud to offer shared services for partner credit union members, providing even more options for your financial journey. So why wait? Stop by The Finest today or give us a call! We look forward to serving you!

Member Eligibility

At The Finest, we believe that everyone deserves a chance to be part of a supportive community where financial well-being is a priority. Becoming a member is easy! If you live, work, worship, or attend school in our vibrant New York community, you're likely eligible to join us. We welcome individuals who share our values and commitment to personal finance growth. To dive deeper into the specific eligibility requirements, feel free to check out our website at https://thefinestfcu.org/forms-applications/membership-application/ . Once you're ready to take the next step, opening an account with us is just as straightforward. You can find all the details you need about account options and how to get started by visiting https://thefinestfcu.org/loan-types/ . If you have any questions along the way or need assistance, don't hesitate to give us a call at (646) 661-1886. We're here for you every step of the way!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer comprehensive merchant services. Imagine having a reliable partner to handle your payment processing needs. Our services make it easy for you to accept payments, manage transactions smoothly, and improve customer satisfaction. This way, you can focus on what you do best running your business. Visit us at 215 Park Row New York Ny 10038 in New York, NY, or call us at (646) 661-1886 to learn more about how we can support your business journey!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For business owners, The Finest provides essential banking services such as merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, our team is here to support your journey. We understand that managing a business comes with its challenges, which is why we strive to offer straightforward solutions that work for you.

Connect With Us

We invite you to explore all that The Finest has to offer at Main Branch - Police Plaza. If you're ready to take the next step in managing your finances more effectively or have any questions about our services, please give us a call at (646) 661-1886. Our friendly staff is here Monday through Friday from 9 AM to 4 PM, eager to assist you with all your financial needs. Visit us today and experience how banking can be both convenient and rewarding!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we emphasize our online and mobile banking capabilities. With just a few clicks or taps on your smartphone, you can check balances, pay bills, or transfer money anytime no need to visit the branch during busy hours! Plus, we offer person-to-person payment options that make sending money to friends and family effortless. While we don't currently have ATMs on-site or drive-thru service, we do participate in shared branch transactions. This means that if you're a member of partner credit unions, you can make deposits and withdrawals at various locations across the country.

Personal Banking Services

One of our primary offerings is personal banking, which includes checking and savings accounts designed to help you manage your money effectively. Imagine having a place where your savings can grow while still being accessible when you need them. Our accounts come with features that make it easy for you to deposit checks through mobile banking or transfer funds quickly online. If you're considering buying a car, our auto loans and vehicle financing options provide competitive rates and flexible terms. Picture yourself behind the wheel of your dream car sooner than you thought possible! For those planning to purchase a home, we offer mortgage loans and refinancing solutions tailored to fit your budget and goals. Additionally, our personal loans can assist you in consolidating debt or making important purchases without straining your finances. And don't forget about our credit cards with rewards, which let you earn while you spend ideal for everyday purchases or special occasions.

Digital & Online Banking

Key Services

Our online banking platform at https://thefinestfcu.org/ allows you to handle everything from checking your balances to paying bills all without stepping foot inside a branch. Enjoy the convenience of 24/7 online banking services that put you in control. Whether you're at home or on the go, your financial information is just a tap away. For those who prefer mobile banking, our dedicated mobile application makes it even simpler. You can easily make person-to-person transfers, allowing you to send money to friends or family with ease. Plus, our mobile payments feature lets you pay for purchases directly from your phone no wallet needed!

Security and Accessibility

At The Finest, we prioritize your security. While we don't currently offer electronic signature authorization, rest assured that all transactions are protected with the latest security measures. And if you prefer having statements sent directly to your inbox, we provide e-statements for easy access and organization. Managing your finances should never feel overwhelming. Our user-friendly interface ensures that even those who may not be tech-savvy can navigate their accounts effortlessly. Plus, real-time updates mean you'll always know where you stand financially. In summary, whether you're checking balances, making payments, or transferring money between accounts, our digital and online banking services are designed with your convenience in mind. Join us at The Finest and experience how easy banking can be!

Financial Strength

A Growing Member Base

We have cultivated a strong community with a total of 18,195 share accounts. This growing membership base shows the trust our members place in us as their preferred financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The Finest is your trusted partner. Visit us at 215 Park Row New York Ny 10038 or call (646) 661-1886 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our $784,987, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Our Members

With $5,601,207 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to supporting your financial journey is evident in our lending capacity as well; with $120 in used auto loans and $28,000,066 in total loans and leases, we help members achieve their goals across various sectors.

Secure Savings Options

Members' savings are secured through $5,311,140 in share certificates and $500 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,723,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Net Worth

With a net worth of $6,905,446, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,253 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 $2,394,475 in used vehicle loans and $750,898 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have competitive options available.

Credit Lines

If you're looking for more flexibility in your borrowing options, consider our credit lines totaling $2,750,000. These can provide you with ready access to funds when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not offer Junior Lien 1-4 Family Residential Properties loans, our team can guide you through other available mortgage solutions tailored to your situation.

Refinancing Options

We recognize that circumstances change. If you're considering refinancing any existing loans or need assistance understanding eligibility options for our products, our dedicated staff is here to help guide you through the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. For more information about our loan products or to start your application process, please visit our website at The Finest or contact us directly. Let us help you take the next step towards achieving your financial aspirations!

Unsecured Credit Card Loans

Managing your finances effectively is essential. We also offer flexible terms on unsecured credit card loans, with a total of $59,031 in loans helping members manage their spending and build their credit history.

Loan Aggregator

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This rigorous sourcing ensures that all loan offers are fair and transparent, allowing users to trust the information they receive.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Ready to explore your 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.*

THE FINEST FEDERAL CREDIT UNION - New York, NY