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Private Student Loan Rates

Tier

Score

Margin

APR

Fees

 

 

 

 

 

A+

800-850

0.00

3.25%

0%

A

760-799

3.00

6.25%

2%

B

680-760

5.00

8.25%

4%

C

640-679

7.00

10.25%

5%

D

620-639

8.75

12.00%

6%

The “Variable Rate” Rate is equal to the Current Index plus a Margin. The “Current Index” for any calendar quarter beginning on a Change Date (or for any shorter period beginning on any Disbursement Date and ending on the last day of a calendar quarter) is based on the U.S. Prime Interest rate (“Prime”) as published on Money Rates section of  The Wall Street Journal (Eastern Edition).  The Variable Rate will change quarterly on the first day of each January, April, July and October if the Current Index changes. *FICO score based on Experian.  Applicants can call 877.652.7621 for any assistance.                       

 Applicants can call 877.652.7621 for any assistance.

Visa Gold Credit Card Rates

The Rates on Our Visa Gold Cards as low as 6.9%*  for the first 6 months,  8.9% thereafter.

Inform your credit union of your plans so we may put a Travel Alert on your Debit/ATM card or VISA Credit card.
You can call us at 212-995-3171or email at nyu.fcu@nyu.edu. 

Whether you’re buying or refinancing your home( including COOPs), New York University Federal Credit Union has a full range of loans to fit your needs.

Schedule a complimentary consultation and take advantage of historically low interest rates.  You may also contact us at +1 212-995-3166, or email us at nyu.fcu@nyu.edu to learn more.

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             Contact Us

Member Services Representatives
212-995-3171                        

By e-mail: nyu.fcu@nyu.edu

Fax: 212-995-4582

Online Banking Help line
1-888-675-2270

VISA Debit Card lost or stolen?
Call Toll Free 1-888-241-2510 or
1-909-941-1398 if outside the U.S.

VISA Credit Card lost or stolen?
Call 1-727-570-4881 or 866-604-0381

Facebook Page: NYU Federal Credit Union

Follow us on Twitter: NYU banking 

 ATM LOCATOR

List of NYU Credit Union ATMs at NYU Campus

Mission Statement

The mission of New York University Federal Credit Union is to be the primary financial institution for our members, dedicated to providing full, convenient financial services with security at a competitive cost.

Vision Statement

NYU FCU will continue to be secure and financially responsible banking institution, while offering our members the best in financial services and several online services. It is open to the needs of the members and focused on their satisfaction.

About Us

New York University Credit Union (NYU FCU) was established in 1982 to serve the New York University community. Faculty, staff, students, alumni, retiree and their family members are all eligible to join. All that’s required to establish membership is $50 in a Share Savings account.

We currently have more than 2,200 members and more than $12 million in assets. NYU FCU is governed by a volunteer board of directors comprised of current and former NYU employees. We are located at 14 Washington Place, New York, NY 10003.

All interest that NYU FCU accrues as a financial institution is passed on to our members in the form of better rates on loans, and lower or no fees for financial services.

As a member of the credit union, you are encouraged to attend the annual meeting. At this meeting you may vote to elect a volunteer board of directors, who oversee the credit union's operations. Each member receives one vote regardless of their account balance as long as the minimum balance ($50) is maintained in the primary savings account.

Because its members own NYU FCU collectively, we realize that people are our most valuable asset, and quality service is our most important goal.

NYU FCU is a cooperative institutionour members are also our owners.

 Membership

How to Join

Becoming a member of the NYU FCU is easy. Membership is the most significant difference between your credit union and other financial institutions. A minimal deposit of $50 into a savings account and $10 one time membership fee establishes your Membership and gives you a share in ownership.

As a member, you share in NYU FCU’s earnings. As the credit union makes money, it reinvests it to improve products and services for our members.

APPLY FOR A MEMBERSHIP ONLINE HERE.

Contact us in one of these convenient ways:

  • Call (212) 995-3171
    Toll-free/USA (800) 997-0724
  • Email: nyu.fcu@nyu.edu
  • Fax: (212) 995-4582
  • Membership Requirements

    Membership is open to all students, faculty, staff, NYU alumni, retiree and their immediate family members.

    If you are:

    • An employee, faculty, staff or student at NYU
    • Alumni, retired or former employee of NYU   
    • Immediate family of a NYU FCU member (including spouse, parents, children, stepchildren, grandchildren, step grandchildren, grandparents, step brothers, brothers, step sisters, and sisters)
    • An individual who resides in and shares financial responsibility of a household   with a NYU FCU member.
      ... then NYU FCU membership is open to you.

    If you move, change jobs, or leave the University you may retain your membership with the Credit Union as long as you keep a minimum of $50 in your savings account.

    Please contact Member Services if you have any questions on qualifying for Membership.

    Documents Needed

    New Member Identification

    Request for Membership from Employees, Students, or Alumni:

    1) Employees, Students, and Alumni of NYU are required to produce two types of photo identification for membership in NYU FCU:

    a) Valid (non-expired) US or state government issued photo identification such as drivers license, state identification card, US passport or Alien Registration card with photo.
    b) Photo ID issued by NYU. New employees and students must receive their photo ID before joining NYU FCU.

    2) All new members must provide a valid social security or other taxpayer identification number issued by the US Social Security Administration.

    NYU FCU reserves the right to deny membership to any applicant based upon information we receive while performing a third party credit reference or comparisons to government watch lists including, but not limited to the Office of Foreign Asset Control (OFAC). Membership may also be denied if the legitimacy of any of the above types of identification is in doubt.

    Request for Membership by Family Members: 

    Family members of individuals who qualify for membership may also join NYU FCU. In addition to the photo identification requirements described above, information regarding the qualified individual may be requested.

    To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

    What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

    If applying by mail, you must include a photocopy of your government issued picture identification, which must be notarized by an authorized Notary Public.

    Send your completed application along with a copy of your picture ID, filled W-9 form and a $50 Savings Account deposit and $10 one time membership fee to:

    New York University Federal Credit Union
    14 Washington Place New York, NY 10003
    212-995-3171

     

     

     

     

     

     

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