--- title: "Local 804 Credit Union Rates - New York" description: "Current vehicle loan, and personal loan rates from Local 804 Credit Union in New York. Updated daily with source verification. See who can join Local 804 Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/local-804" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Local 804 Credit Union Rates - New York ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **New Auto/Motorcycle Loan (Under 2 years)** motorcycle_new_24mo | — APR | 3.990% | 24 mo · new | Standard | | **Used Auto/Motorcycle Loan** motorcycle_used | — APR | 5.240% | used | Standard | | **Recreational Vehicle Loan (Boats, RVs, Jet Skis)** rv | — APR | 7.000% | — | Standard | Local 804 Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Secured Personal Loan** personal_secured | — APR | 6.500% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.750% | — | Standard | Local 804 Credit Union personal loan rates as of November 12, 2026 Local 804 Credit Union is a credit union in New York. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/local-804) , verified from [Local 804 Credit Union's official website](https://cu804.org/) Loading branch locator… ## About Local 804 Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.2K Assets $21.7M Founded 1978 Locations reported 2 NCUA charter 23144 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial education - Bilingual services - 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. [**Port Washington** main office · port washington · NY · 11050 About 0.7 miles away](https://rateapi.dev/credit-unions/new-york/port-washington) [**The Heart Center** The Heart Center Federal Credit Union · Roslyn · NY · 11576 About 2.7 miles away](https://rateapi.dev/credit-unions/new-york/the-heart-center) [**Navy Federal Credit Union** Merchant Marine Academy NY · Kings Point · NY · 11024 About 3.9 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Jovia Financial** Greenvale · Greenvale · NY · 11548 About 3.9 miles away](https://rateapi.dev/credit-unions/new-york/jovia-financial) [**Fourleaf** Glen Cove · Glen Cove · NY · 11542-2116 About 4.0 miles away](https://rateapi.dev/credit-unions/new-york/fourleaf) [**New York University** MINEOLA BRANCH · MINEOLA · NY · 11501-4024 About 7.3 miles away](https://rateapi.dev/credit-unions/new-york/new-york-university) 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 Local 804 Credit Union Membership eligibility from Local 804 Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via the Local 804 IBT +2 more - Association Local 804 IBT, Local 447 IAMAW, Local 808 IBT **Cost to join:** About $5. Verified from [Local 804 Credit Union's membership page](https://cu804.org/benefits/) . Final membership determination is always made by the credit union. ## Membership rules for Local 804 Credit Union Associations · Family 2 published paths to membership, last verified August 21, 2026, quoted from Local 804 Credit Union’s own published criteria. ### Associations 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Local 804 IBT “You Are Eligible if You Are: Local 804 IBT” > [source ↗](https://cu804.org/benefits/) - Member of Local 804 IBT ### Family 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Local 804 FCU Family Members” > [source ↗](https://cu804.org/benefits/) - Family 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 Local 804 Credit Union? Yes No ## Work at Local 804 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 Local 804 Credit Union ranks against New York peers. - See which AI assistants fetched Local 804 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=local-804&state=new-york&code=NY&name=Local%20804%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Local 804 Credit Union offer? Local 804 Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Local 804 Credit Union rates updated? RateAPI verifies Local 804 Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Local 804 Credit Union's rate data? Rate data is collected directly from Local 804 Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Local 804 Credit Union? Membership via the Local 804 IBT +2 more RateAPI tracks 2 published membership paths covering 1 association for Local 804 Credit Union, each quoted from Local 804 Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Local 804 Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [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://cu804.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 Local 804 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 Local 804 Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /local-804 " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Local 804 Credit Union locations Search, filter, and browse all 2 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/local-804 Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp