--- title: "First New York Credit Union: #1 New Auto Loan in New York" description: "First New York Credit Union has the lowest tracked new-car loan rate in New York (3.99% APR) among 75 credit unions we verify. First New York Credit Union rates today: vehicle loans from 3.99% APR, HELOC from 5.74% APR, savings & CDs up to 4.25% APY, personal loans from 4.74% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join First New York Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/first-new-york" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First New York Credit Union: #1 New Auto Loan in New York ### Mortgage rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Easy Street Mortgage (5 - 11 years)** 5 1 arm | — APR | 4.490% | — | Standard | | **Easy Street Mortgage (12 years)** other | — APR | 4.740% | — | Standard | | **Easy Street Mortgage (13 -14 years)** other | — APR | 4.990% | — | Standard | First New York Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 27 offers | Product | Published | Rate | Term / condition | Status | | **24-Month New Auto Loan (2021–2027)** auto_new_24mo | 3.990% APR | 3.990% | 24 mo · new | Standard | | **36-Month New Auto Loan (2021–2027)** auto_new_36mo | 4.240% APR | 4.240% | 36 mo · new | Standard | | **60-Month New Auto Loan (2021–2027)** auto_new_60mo | 4.240% APR | 4.240% | 60 mo · new | Standard | | **48-Month New Auto Loan (2021–2027)** auto_new_48mo | 4.240% APR | 4.240% | 48 mo · new | Standard | | **72-Month New Auto Loan (2021–2027)** auto_new_72mo | 4.490% APR | 4.490% | 72 mo · new | Standard | | **Easy Drive Lease-Like Program: 2021-2027 Model Years (24 months)** auto_any_24mo | 5.240% APR | 5.240% | 24 mo | Standard | | **Easy Drive Lease-Like Program: 2021-2027 Model Years (60 months)** auto_any_60mo | 5.490% APR | 5.490% | 60 mo | Standard | | **Easy Drive Lease-Like Program: 2021-2027 Model Years (48 months)** auto_any_48mo | 5.490% APR | 5.490% | 48 mo | Standard | | **Easy Drive Lease-Like Program: 2021-2027 Model Years (36 months)** auto_any_36mo | 5.490% APR | 5.490% | 36 mo | Standard | | **84-Month New Auto Loan (2021–2027)** auto_new_84mo | 5.490% APR | 5.490% | 84 mo · new | Standard | | **36-Month Used Auto Loan (2017–2020)** auto_used_36mo | 5.490% APR | 5.490% | 36 mo · used | Standard | | **24-Month Used Auto Loan (2017–2020)** auto_used_24mo | 5.490% APR | 5.490% | 24 mo · used | Standard | | **Easy Drive Lease-Like Program: 2021-2027 Model Years (72 months)** auto_any_72mo | 5.740% APR | 5.740% | 72 mo | Standard | | **48-Month Used Auto Loan (2017–2020)** auto_used_48mo | 5.740% APR | 5.740% | 48 mo · used | Standard | | **60-Month Used Auto Loan (2017–2020)** auto_used_60mo | 5.990% APR | 5.990% | 60 mo · used | Standard | | **96-Month New Auto Loan (2021–2027)** auto_new_96mo | 6.990% APR | 6.990% | 96 mo · new | Standard | | **36-Month Used Auto Loan (2006–2016)** auto_used_36mo | 6.990% APR | 6.990% | 36 mo · used | Standard | | **24-Month Used Auto Loan (2006–2016)** auto_used_24mo | 6.990% APR | 6.990% | 24 mo · used | Standard | | **48-Month New RV Loan (2023–2027)** rv_new_48mo | 6.990% APR | 6.990% | 48 mo · new | Standard | | **48-Month Used RV Loan (2019–2022)** rv_used_48mo | 7.490% APR | 7.490% | 48 mo · used | Standard | | **72-Month New RV Loan (2023–2027)** rv_new_72mo | 7.490% APR | 7.490% | 72 mo · new | Standard | | **96-Month New RV Loan (2023–2027)** rv_new_96mo | 7.990% APR | 7.990% | 96 mo · new | Standard | | **180-Month New RV Loan (2023–2027)** rv_new_180mo | 8.740% APR | 8.740% | 180 mo · new | Standard | | **72-Month Used RV Loan (2019–2022)** rv_used_72mo | 8.740% APR | 8.740% | 72 mo · used | Standard | | **48-Month Used Auto Loan (2006–2016)** auto_used_48mo | 8.990% APR | 8.990% | 48 mo · used | Standard | | **96-Month Used RV Loan (2019–2022)** rv_used_96mo | 9.490% APR | 9.490% | 96 mo · used | Standard | | **180-Month Used RV Loan (2019–2022)** rv_used_180mo | 9.990% APR | 9.990% | 180 mo · used | Standard | First New York Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Fixed Rate HELOC - 1st Position (10 years)** heloc_fixed | — APR | 4.990% | — | Standard | | **Fixed Rate HELOC - 1st Position (15 years)** heloc_fixed | — APR | 5.490% | — | Standard | | **Second Position (10 years)** heloc | 5.740% APR | 5.740% | — | Standard | | **Fixed Rate HELOC - 2nd Position (10 years)** heloc_fixed | — APR | 5.740% | — | Standard | | **Second Position (15 years)** heloc | 5.990% APR | 5.990% | — | Standard | | **Fixed Rate HELOC - 2nd Position (15 years)** heloc_fixed | — APR | 5.990% | — | Standard | | **Fixed Rate HELOC - 1st Position (20 years)** heloc_fixed | — APR | 5.990% | — | Standard | | **Fixed Rate HELOC - 2nd Position (20 years)** heloc_fixed | — APR | 6.490% | — | Standard | | **Second Position (20 years)** heloc | 6.490% APR | 6.490% | — | Standard | First New York Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Solar Loan (5 years)** personal_unsecured_60mo | 4.740% APR | 4.740% | 60 mo | Standard | | **Solar Loan (10 years)** personal_unsecured_120mo | 4.990% APR | 4.990% | 120 mo | Standard | | **Secured Personal Loan** personal_secured | 4.990% APR | 4.990% | — | Standard | | **Solar Loan (15 years)** personal | 5.740% APR | 5.740% | — | Standard | | **Solar Loan (20 years)** personal | 5.990% APR | 5.990% | — | Standard | | **12-Month Unsecured Personal Loan** personal_unsecured_12mo | 8.990% APR | 8.990% | 12 mo | Standard | | **24-Month Unsecured Personal Loan** personal_unsecured_24mo | 9.240% APR | 9.240% | 24 mo | Standard | | **48-Month Unsecured Personal Loan** personal_unsecured_48mo | 9.740% APR | 9.740% | 48 mo | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | 10.240% APR | 10.240% | 60 mo | Standard | First New York Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 10 offers | Product | Published | Rate | Term / condition | Status | | **Share Certificates & IRAs (30 month)** ira_cd_30mo | 2.40% APY | 2.40% | 30 mo | Standard | | **Share Certificates & IRAs (36 month)** ira_cd_36mo | 2.50% APY | 2.50% | 36 mo | Standard | | **Share Certificates & IRAs (48 month)** ira_cd_48mo | 2.60% APY | 2.60% | 48 mo | Standard | | **Share Certificates & IRAs (60 month)** ira_cd_60mo | 2.70% APY | 2.70% | 60 mo | Standard | | **Share Certificates & IRAs (3 month)** ira_cd_3mo | 3.00% APY | 3.00% | 3 mo | Standard | | **Share Certificates & IRAs (6 month)** ira_cd_6mo | 3.25% APY | 3.25% | 6 mo | Standard | | **Share Certificates & IRAs (12 month)** ira_cd_12mo | 3.50% APY | 3.50% | 12 mo | Standard | | **Share Certificates & IRAs (18 month)** ira_cd_18mo | 3.50% APY | 3.50% | 18 mo | Standard | | **Share Certificates & IRAs (9 month)** ira_cd_9mo | 4.25% APY | 4.25% | 9 mo | Standard | | **Share Certificates & IRAs (24 month)** ira_cd_24mo | 4.25% APY | 4.25% | 24 mo | Standard | First New York Credit Union savings & cd rates as of November 13, 2026 ### Other rates 11 offers | Product | Published | Rate | Term / condition | Status | | **View Variable Rates (10 year draw, 15 year re-payment)** other | — % | 3.490% | — | Standard | | **10 Year Draw, 15 Year Re-Payment** other | 3.490% % | 3.490% | — | Standard | | **View Easy Street Rates (5 - 11 years)** other | 4.490% % | 4.490% | — | Standard | | **View Easy Street Rates (12 years)** other | 4.740% % | 4.740% | — | Standard | | **Limit $250 - $4,999** other | 4.990% % | 4.990% | — | Standard | | **Limit $5,000 - $30,000** other | 4.990% % | 4.990% | — | Standard | | **First Position (10 years)** other | 4.990% % | 4.990% | — | Standard | | **View Easy Street Rates (13 -14 years)** other | 4.990% % | 4.990% | — | Standard | | **First Position (15 years)** other | 5.490% % | 5.490% | — | Standard | | **First Position (20 years)** other | 5.990% % | 5.990% | — | Standard | | **Open** other | 7.000% % | 7.000% | — | Standard | First New York Credit Union other rates as of November 13, 2026 Vehicle loans available from 3.99% APR for 24 months. HELOC rates from 5.74% APR. Personal loan rates from 4.74% APR. Savings and certificate yields up to 4.25% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/first-new-york) , verified from [First New York Credit Union's official website](https://firstnewyork.org/) Best product position **#1 of 75** new-car loan Gap to state best **0 bp** State market leader Vs. state median **150 bp better than median** new-car loan Products ranked **4** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 3.99% | #1 of 75 · lowest in New York | State market leader | 150 bp better than median | | used-car loan | 5.49% | Better than the New York median | 75 bp from state best | 63 bp better than median | | HELOC | 5.74% | Better than the New York median | 49 bp from state best | 75 bp better than median | | personal loan | 4.74% | Better than the New York median | 374 bp from state best | 425 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim First New York Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=first-new-york&state=new-york&code=NY&name=First%20New%20York%20Credit%20Union) Loading branch locator… ## About First New York Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 39.1K Assets $556.3M Founded 1937 Locations reported 9 NCUA charter 2440 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Broadview** Wolf Rd · Albany · NY · 12205 About 0.6 miles away](https://rateapi.dev/credit-unions/new-york/broadview) [**Hudson Valley** Colonie · Albany · NY · 12205 About 0.7 miles away](https://rateapi.dev/credit-unions/new-york/hudson-valley) [**Directors Choice** DCCU · Albany · NY · 12205 About 1.0 miles away](https://rateapi.dev/credit-unions/new-york/directors-choice) [**Sunmark** Colonie Vly Road · Colonie · NY · 12205 About 1.7 miles away](https://rateapi.dev/credit-unions/new-york/sunmark) [**Next Step** Albany Branch · Albany · NY · 12205-5581 About 2.4 miles away](https://rateapi.dev/credit-unions/new-york/next-step) [**Community Resource** Latham Office · Latham · NY · 12110-3520 About 3.2 miles away](https://rateapi.dev/credit-unions/new-york/community-resource) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join First New York Credit Union Membership eligibility from First New York Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on First New York Credit Union's website. Check the membership page below to confirm whether you qualify. - Location albany, rensselaer, saratoga, schenectady, schoharie — NY Verified from [First New York Credit Union's membership page](https://firstnewyork.org/join/) . Final membership determination is always made by the credit union. ## Membership rules for First New York Credit Union Geography 5 counties · Family 2 22 published paths to membership, last verified August 27, 2026, quoted from First New York Credit Union’s own published criteria. ### Geography 5 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Albany County, NY - Rensselaer County, NY - Saratoga County, NY - Schenectady County, NY - Schoharie County, NY “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Albany County, NY; Rensselaer County, NY; Saratoga County, NY; Schenectady County, NY; Schoharie County, NY” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “If you live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, and Schoharie County or are related to a member, you are eligible for membership.” > [source ↗](https://firstnewyork.org/join/) - Family member of a member - Family of a member member “If you live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, and Schoharie County or are related to a member, you are eligible for membership.” > [source ↗](https://firstnewyork.org/join/) - Family member (member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for First New York Credit Union? Yes No ## Work at First New York Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where First New York Credit Union ranks against New York peers. - See which AI assistants fetched First New York Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=first-new-york&state=new-york&code=NY&name=First%20New%20York%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does First New York Credit Union offer? First New York Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are First New York Credit Union rates updated? RateAPI verifies First New York Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get First New York Credit Union's rate data? Rate data is collected directly from First New York Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are First New York Credit Union's auto & rv loan rates? As of November 13, 2026, First New York Credit Union offers vehicle loans from 3.99% APR. ### What is First New York Credit Union's HELOC rate? As of November 13, 2026, First New York Credit Union offers home equity lines of credit from 5.74% APR. ### What is First New York Credit Union's personal loan rate? As of November 13, 2026, First New York Credit Union offers personal loans from 4.74% APR. ### What is First New York Credit Union's best CD rate? As of November 13, 2026, First New York Credit Union offers savings and certificate (CD) yields up to 4.25% APY. ### Who can join First New York Credit Union? First New York Credit Union publishes its membership criteria on its own website. RateAPI tracks 22 published membership paths covering 5 counties for First New York Credit Union, each quoted from First New York Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare First New York Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York mortgage rate leaders](https://rateapi.dev/mortgage-rates/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York HELOC rate leaders](https://rateapi.dev/heloc-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://firstnewyork.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track First New York Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for First New York Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /first-new-york " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First New York Credit Union locations Search, filter, and browse all 9 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/first-new-york Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp