Call or Text (518) 393-1326

Routing: 221379785

Fraud Alert

Fraud Alert

We have received reports of scammers impersonating First New York over the phone using a spoofed phone number. First New York will never ask for your personal information over the phone or direct you to a website outside of First New York. If you have received this communication, please report it to our Contact Center at (518) 393-1326, option 2.

Member Appreciation Days & Shred Days Are BACK!

Member Appreciation Days & Shred Days Are BACK!

Check out our 2026 Member Appreciation Day and Shred Day schedules.

Member Appreciation DaysShred Days
Save Money By Going Green

Save Money By Going Green

We make the switch to solar easy and affordable with Solar Loan rates as low as 4.74% APR*.

Learn More & Apply Now
Understanding Your Credit Score

Understanding Your Credit Score

Learn what your credit score means, what affects it, and how you can improve it over time in our latest blog.

Read Now
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Come for Great Rates. Stay for Great Service.

Share Certificate Special
15 month

3.80%

New Auto Loan APR
as low as

3.99%

Visa® Credit Card
Promotional APR

4.99%

Home Equity Loan APR
as low as

3.49%

See All Rates

Join First New York

As a not-for-profit credit union, we exist for one reason: To serve the financial needs of our members. Since our founding in 1937 as Schenectady Teachers FCU, we’ve made them our priority, and that will never change.

But don’t take our word for it. Just ask our members, who have voted First New York the Best Credit Union three years running.

Questions? Text Us!
Become a Member Today

Exclusive Products

Auto Loans

Shop First New York’s new and used auto loans or auto refinancing today!
Learn More

Credit Cards

First New York Visa® Credit Cards come with exclusive features that help you bank smarter.
Learn More

Home Equity

Our smart home improvement line of credit is a great alternative to larger financial institutions’ high-interest, non-tax-deductible loans.
Learn More

Mortgages

Whether you are a first time home buyer, or looking to refinance the home you are in, we can help!
Learn More

Personal Loans

Its flexible repayment terms and low rates can help you finance vacations, holiday expenses, a wedding, and whatever else you desire.
Learn More

Solar Loans

The process is simple: we’ll work with your solar supplier of choice and condense all the costs into one solar loan.
Learn More

Latest Posts

Where Members Always Come First

Explore All The Extra Services First New York Has To Offers!

Financial Wellness Check

Much like a regular medical exam, a Financial Wellness Check ensures your financial health is on track. Our Financial Wellness Check equips you with practical advice to help you build a more secure financial future. Sign Up

KIDS Banking

First New York’s KIDS Banking program makes it easy for kids and teens to start banking. All you need is $2* to open a KIDS Savings account for your minor. Once enrolled, your minor will have access to exclusive KIDS Banking events and contests. Learn More

Safety First

In today’s world, understanding how to protect yourself from scammers is essential. Explore our Safety First blog posts to learn more about the diverse tactics scammers use and effective ways to safeguard against fraud. Learn More

Always Nearby

First New York Federal Credit Union provides best-in-class lending, banking, and investment services in New York’s Albany, Schenectady, Rensselaer, Saratoga, and Schoharie County. Find a Location

Consistently Surpassing Your Expectations

Credit Union of Choice, 4 Years Running

  • The team is absolutely amazing. I am extremely satisfied with the way that the whole interaction felt!

    Anonymous Member from a Loan Survey

  • The loan process was easy. Loan staff, approval, and closing was outstanding. Customer service is exemplary. After trying 4 other banks, no one can offer a lower rate!

    Anonymous Member from a Loan Survey

  • My experience from start to finish was less than 24 hours. This is the main reason I say with First New York, the people are very professional!

    Anonymous Member from a Loan Survey

  • I am very grateful for this credit union! I have been a member for over 50 years.

    Anonymous Member from a Loan Survey

  • This was the best experience I have ever had. I can't thank you all enough for what you do!

    Anonymous Member from a Loan Survey

  • I recently joined this bank and had a very positive experience. The staff members were knowledgeable, courteous, and took the time to answer all my questions. The overall service was excellent from start to finish.

    Héctor C.

  • Messiah was very knowledgeable, professional, and listened to help me weigh out many possible options. Great work!

    Anonymous Member from a Loan Survey

  • Everyone did a fantastic job, especially for a matter that had to be completed in the same day. I'm very lucky to have First New York as my credit union!

    Anonymous Member from a Loan Survey

My First New York mobile app

Manage Your Money Anywhere

Real-Time Time Tracking

Control your card and oversee your accounts anytime.

Immediate Access

Manager your finances from any device.

Deposit Any Time

Take a photo to deposit checks into your account.

Quick Search

Enter your city or zip code to get your closest branch or ATM location.

ApplAppStore
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Banking All in One Place

Come for Great Rates. Stay for Great Service.

Checking For All Needs

Transaction accounts, also known as checking accounts, safeguard your spending. Earn dividends on your account and insure your money. There are no hidden fees. You can access your account 24/7/365 through our online and mobile app.

Learn More About Transaction Accounts

Smart Saving Starts Here

When you bank with First New York, you get the credit union products, services, and rates you love with a dedicated team, working to help you reach your financial goals. Become a member by opening a First New York savings account.

Learn More About Saving Accounts

Digital Banking, Your Way

My First New York is your free digital banking platform. You have access to our free mobile banking app. Bank from your Apple, Android, or Kindle device at any time. Add your First New York Visa® Credit & Debit Card to your digital wallet.

Learn More About Digital Banking Options

Building Bonds in the Capital Region

A Look into First New York’s Reach in the Community
4

Years Running, Credit Union of Choice

8

First New York FCU Branches

3

Standalone Drive Through ITM Kiosks

30000

ATM/ITMs through the CO-OP network

5550

Branches through the CO-OP network