Personal Loans
A Personal Loan is your "anything" loan. You may use the money for home improvements, personal computers, vacations, weddings, and more. You have the need, we have the solution!
- Check out our great rates!
- Receive a discount of .25% Annual Percentage Rate with automatic loan payments
- Borrow up to $25,000 per member
- Choose a repayment term, up to 5 years, that meets your needs
- Minimum loan is $500
- Payment protection available
- Apply now!
Fresh Start Loans
Everyone can use a second chance. Our Fresh Start credit re-builder program allows members with past credit problems the opportunity to have access to credit, demonstrate their ability to repay, and thereby start rebuilding a positive credit rating.
You may qualify for a Fresh Start Loan if:
- You are a member "in good standing" with First New York FCU and not currently in bankruptcy
- You are currently employed, and have been for at least 6 months
- You have automatic loan payment or payroll deduction for the payment
- Maximum term of up to 12 months
- Maximum loan amount of $1,000
- Apply now!
Cashline Overdraft Protection
Mistakes happen! Addition or subtraction errors, or forgetting to write a transaction in your checkbook can create an embarrassing situation. With Cashline, we can help prevent accidental overdrafts or allow you to take a loan up to
the amount of your approved limit by writing a check. Get Cashline for peace of mind!
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Variable interest rate based on the Prime Rate adjusts quarterly
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Receive a monthly statement by mail or by e-statement
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Maximum line of credit of $5,000
Share Secured Loans
Use your savings to give yourself a loan! If you have a savings account, but you don't want to withdraw the money, give yourself a loan! With our Share Secured Loan, you can borrow against the money you have on deposit, without withdrawing the money!
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Interest rate is 3% above share dividend rate and adjusts quarterly
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Term up to 10 years
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Receive a monthly statement by mail or by e-statement
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Maximum amount is based on account balance
Share Certificate Secured Loans
Use your certificate to give yourself a loan! If you have a certificate account, but you don't want to withdraw the money, give yourself a loan! With our Share Certificate Secured Loan, you can borrow against the money you have on deposit, without withdrawing the money!
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Interest rate is 3% above share certificate dividend rate and adjusts quarterly
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Term up to the term of the certificate
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Receive a monthly statement by mail or by e-statement
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Maximum amount is based on account balance
Stock Secured Loans
Use your investments to give yourself a loan! If you have stocks, but don't want to cash them in, give yourself a loan! With our Stock Secured Loan, you can borrow against the value of the stock, without selling them.
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Fixed interest rate
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Term up to 5 years
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Receive a monthly statement by mail or by e-statement
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Maximum loan amount is 50% of stock value up to $50,000
Other Vehicle Loans
Looking to buy a "Big Kid Toy" like a Boat, RV, Jet Ski, Snowmobile, or ATV?
With our Other Vehicle Loan, we'll have you playing in no time!
- Check out our great rates!
- Receive a discount of .25% Annual Percentage Rate with automatic loan payments
- We offer up to 90% financing of the NADA value or purchase price, whichever is lower
- Choose a repayment term that suits your needs
- Payment protection available
- Apply Now!
