First New York Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.00%	5-year CD	3.10% - Barclays 60 Month Online CD
0.15%	1-year CD	2.75% - Barclays 12 Month Online CD
0.10%	Savings	0.26% - National Average

View all First New York Federal Credit Union rates »

Overview / Commentary

www.firstnewyork.org

800-734-7375

2 Wall St
Albany, NY 12205-3828

First New York Federal Credit Union is headquartered in Albany and is the 36^th largest credit union in the state of New York. It is also the 764^th largest credit union in the nation. It was established in 1937 and as of December of 2018, it had grown to 110 employees and 32,399 members at 10 locations. First New York Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Albany, Schenectady, Saratoga, Rensselaer or Schoharie county. Membership is also open to immediate family of existing members and those eligible.
See current membership details

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Health

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	2440
Year Chartered	1937
Employees	110
Primary Regulator

Profit Margin
Return on Assets - YTD	0.72%
Return on Equity - YTD	7.28%
Annual Interest Income	$12.0MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$326.3MM$315.2MM
Loans	Q4 2018vs Q4 2017	$221.2MM$198.6MM
Deposits	Q4 2018vs Q4 2017	$290.4MM$281.1MM
Equity Capital	Q4 2018vs Q4 2017	$32.1MM$29.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.7MM$1.3MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$861.00K$978.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First New York Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$5	-	Share Savings
0.10%	-	-	Secondary Share Savings

First New York Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$150k^*	-	Premium Money Market Savings
OTHER TIERS: 0.25% → $75k - $150k
0.20%^*	$50k^*	-	Money Market Savings
OTHER TIERS: 0.10% → $2.5k - $25k \| 0.15% → $25k - $50k

First New York Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$1k	-	Choice Checking Account

First New York Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$500	-	60 Month Share Certificate
0.90%	$500	-	48 Month Share Certificate
0.70%	$500	-	36 Month Share Certificate
0.50%	$500	-	30 Month Share Certificate
0.45%	$500	-	24 Month Share Certificate
0.25%	$500	-	18 Month Share Certificate
0.15%	$500	-	12 Month Share Certificate
0.15%	$25	-	12 Month Lucky Savers Share Certificate
0.12%	$500	-	6 Month Share Certificate
0.10%	$500	-	3 Month Share Certificate

First New York Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$250	-	60 Month IRA Share Certificate
0.90%	$250	-	48 Month IRA Share Certificate
0.70%	$250	-	36 Month IRA Share Certificate
0.50%	$250	-	30 Month IRA Share Certificate
0.45%	$250	-	24 Month IRA Share Certificate
0.25%	$250	-	18 Month IRA Share Certificate
0.15%	$250	-	12 Month IRA Share Certificate
0.12%	$250	-	6 Month IRA Share Certificate

Locations

Cities: Albany, Cobleskill, Delanson, Saratoga Springs, Schenectady, Scotia

Albany Branches
Branch Office	818 Central Ave	Albany, NY 12206-1543
Branch Office	2 Wall St	Albany, NY 12205-3845
Branch Office	700 Washington Ave	Albany, NY 12203

Cobleskill Branches
Branch Office	795 E Main St Ste 1	Cobleskill, NY 12043-1263

Delanson Branches
Branch Office	163 School Rd	Delanson, NY 12053

Saratoga Springs Branches
Branch Office	424 Maple Ave	Saratoga Springs, NY 12866-5506

Schenectady Branches
Branch Office	1879 Altamont Ave	Schenectady, NY 12303
Branch Office	1776 Union St	Schenectady, NY 12309

Scotia Branches
Branch Office	19 Glenridge Rd	Scotia, NY 12302
Branch Office	1 Tartan Way	Scotia, NY 12302

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