Routing: 221379785

Personal Loans

Home / Personal Loans

Personal Loans

Get 0.50% APR* OFF Your Next Personal Loan

Whether you’re planning a home project, paying for a big moment, or consolidating bills, a lower rate helps. For a limited time, Members with Direct Deposit and eStatements can take 0.50% APR* off a qualifying new Personal Loan.

Apply Now!
Shop Rates
Text a Loan Expert

Get Started

View our Personal Loans

View Personal Loan Details

calculator and money

A personal loan is an easy solution to covering emergency, vacation, wedding, and home remodeling expenses. First New York’s team of loan experts can help you determine the best personal loan solution for your needs. Let’s get you the best financing for your unique situation.

• Receive a discount of 0.25% Annual Percentage Rate with automatic loan payments

• Borrow up to $25,000 per member, subject to credit approval***

• Choose a repayment term, up to 5 years, that meets your needs

• Minimum loan is $500

• Debt protection available

• Get a monthly statement via mail or e-statement

• Share Secured, Share Certificate Secured, and Cashline Overdraft Protection options are available

Apply Now
Text a Loan Expert

View Personal Loan Rates

Term Up ToAPR as low as*Monthly Payment
12 months8.99%$87.45
24 months9.24%$45.79
48 months9.74%$25.24
60 months10.24%$21.37
*Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month.
Apply Now
Text a Loan Expert

Financial Solutions

Additional Personal Loans

View Share Secured Loan Details

Share Secured Loan

• Interest rate is 3% above the share dividend rate and adjusts quarterly****

• Term up to 10 years

• Receive a monthly statement by mail or by e-statement

• Maximum amount is based on the account balance

• Borrow up to Share Balance

Start using your savings to cover a big expense. If you’re exploring your options on how to cover a major purchase, discover how a Share Secured Loan can help.

Apply Now
Shop Rates

View Share Certificate Secured Loan Details

Share Certificate Secured Loan

• Interest rate is 3% above the share certificate dividend rate*****

• Term up to the term of the new share certificate term or remaining balance of share certificate term

• Receive a monthly statement by mail or by e-statement

• Maximum amount is based on the account balance

• Borrow up to Certificate Principal Balance

Use your certificate account to fund a major purchase. Like a Shared Secured Loan, you can borrow against the money in a certificate account to help get the funds you need.

Apply Now
Shop Rates

View Cashline Overdraft Protection Details

Cashline Overdraft Protection Details

• Variable rate based on Prime Rate; adjusts quarterly

• Receive a monthly statement by mail or by e-statement

• Borrow up to the $5,000 maximum line of credit*******

Shield yourself from overdraft, returned checks, and all the related fees with Cashline Overdraft Protection. Let us help you prevent accidental overdrafts or issue a loan up to the amount of your approved limit to cover expenses.

Apply Now
Shop Rates

Contact Us

Text (518) 608-8594 or call to speak with a Loan Expert.†

Text Now

Start Saving

Learn the benefits of opening a saving account with First New York.

Learn More

Share Certificate

Learn about our competitive Share Certificate Account rates and terms.

Learn More

Digital Wallet

Pay conveniently with your phone using digital wallet.

Read More
*Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month. All loans are subject to credit approval, verification, and underwriting requirements. Rates and terms may vary based on creditworthiness, loan amount, term, collateral, and other factors. Please review Our Rates. A 0.50% APR discount is available with a direct deposit relationship and enrollment in eStatements. Discounts may not be combined with other promotional offers unless otherwise stated. Internal refinances of existing First New York Federal Credit Union loans do not qualify. Promotional offers are available for a limited time and may be withdrawn or changed without notice. Membership at First New York Federal Credit Union is required. First New York Federal Credit Union employees are not eligible. Federally insured by NCUA. Equal Housing Opportunity. NMLS #477178. Promotions and rates are subject to change without notice. Other restrictions may apply.
**Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month.
***This applies to personal loans only.
****Competitive Variable Rate. After disbursal, the loan rate may adjust quarterly. The variable Annual Percentage Rate (APR) will be based on the share rate on the first business day of the current quarter. See share rates for current rates. APR offered is subject to change at any time and all loans are subject to approval. The maximum amount for a loan is based on individual Share Balances.
******Competitive Fixed Rate. Borrow up to 100% of your Share Certificate Rate and Share Certificate Balance.
*******Variable loan rates are set quarterly and based on the actual Prime Rate on the last business day of the previous quarter. $5,000 maximum line of credit subject to credit approval. The Prime Rate as of 10/01/2026 was 7.00% APR as published in the Wall Street Journal.
†Loan Center is available Monday-Friday from 8 a.m. until 6 p.m. and on Saturday from 9 a.m. until 1 p.m.