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Savings Products

Account Type

Min. Opening Balance

Min. Dividend Balance

Dividend Rates

APY*

Savings (Share)

$50

$50

0.05%

0.06%

Holiday and Vacation Club

$50

$50

0.05%

0.06%

Money Market

$1000

$1000

0.10%

0.11%

1 Year CD****

$1000

$1000

0.10%

0.11%

*Rates & terms are subject to change without notice.  *APY = Annual Percentage Yield                                                                          **Dividends are deposited into your savings account monthly.
*** Available with 100% direct payroll deposit checking account

****If a certificate is withdrawn or transferred to another institution before the maturity date, there will be a 90 day interest penalty. The principle and accrued interest on the term share accounts will be deposited into the regular share account upon maturity.


Account Type

Min. Opening Balance

Min. Dividend Balance

Dividend Rates

APY*

Individual Retirement Accounts

IRA Share Account

$50.00

$50.00

0.10%

0.11%

IRA 1 Year CD

$500.00

$500.00

0.10%

0.11%

 

Dividends on IRA share accounts are compounded and credited on a quarterly basis. The day of deposit/day of withdrawal (actual daily balance) method is used to calculate the dividends. This credit union will pay dividends on the full balance in the account whether deposits are made by cash or check. If you close your IRA account before your accrued dividends are credited, no dividends will be paid for that period

*Rates & terms are subject to change without notice.  *APY = Annual Percentage Yield

 


Loan Products


   Mortgage

  • We offer mortgages on 1-4 family homes, COOPs and condos in NY and NJ.
  • The same mortgage rates apply on the purchase of a new home and on the refinance of an existing mortgage. 
  • If you are only interested in 30 years fixed rate mortgage, please call us at 212-995-3166 or email us at nyu.fcu@nyu.edu.

  Home Equity Loan Fixed Rates

Type of Home Equity Loan
Term
Rate*
Max Amount
Home Equity Loan (Fixed Rate)
60 months
4.00%
$250,000
Home Equity Loan (Fixed Rate)
84 months
5.00%
$250,000
Home Equity Loan (Fixed Rate)
120 months
5.50%
$250,000
Home Equity Loan (Fixed Rate)
180 months
5.75%
$250,000

*Annual Percentage Rate (APR) range: Rates listed are the lowest annual percentage rates available. All loans subject to credit approval. 

Home Equity Loan Adjustable Rates

 
Credit Score
Credit Tier
Rate*
Max Amount
760 and above
A+
Prime Rate
$250,000
700-759
A
Prime Rate +0.5%
$250,000
650-699
B
Prime Rate +1.00%
$250,000
600-649
C
Prime Rate +2.00%
$250,000

550-599

D

Prime Rate +3.00%

$250,000

*Rates are variable Quarterly, tied to the Prime Rate published in the Wall Street Journal, and adjusts on teh first day of the quarter. Rate is not to exceed 18%. Current Prime Rtae is 3.25%

 Auto Loan Rates

 $25 Loan application fee is waived for car loan refinance.

New 2013-2014 Car Loan Rates

Credit Score

Credit Tier

Margin

APR as low as*

      Up to 36 months 37-48 months 49-60 months

760 and UP

A+

-1%

1.50%

2.50%

2.50%

700-759

A

0%

2.5%

3.50%

3.50%

650-699

B

1%

3.50%

4.50%

4.50%

600-649

C

2%

4.50%

5.50%

N/A

550-599

D

4%

6.50%

7.50%

N/A

Rates subject to change without notice. 5% of loan value frozen in share account. 100% financing of NADA value. An NYUFCU share account is required for an auto loan.

* We finance cars only in NY and NJ.

Regular New  Car  Loan Rates (Older than 2013-2014)

Credit Score

Credit Tier

Margin

APR as low as*

      Up to 36 months 37-48 months 49-60 months

760 and UP

A+

-1%

2.50%

3.50%

4.50%

700-759

A

0%

3.5%

4.50%

5.50%

650-699

B

1%

4.50%

5.50%

6.50%

600-649

C

2%

5.50%

7.50%

N/A

550-599

D

4%

7.50%

8.50%

N/A

Rates subject to change without notice. 5% of loan value frozen in share account. 100% financing of NADA value. An NYUFCU share account is required for an auto loan.

* We finance cars only in NY and NJ.

Used  Car  Loan Rates*

Credit Score

Credit Tier

Margin

APR as low as*

      Up to 36 months 37-48 months 49-60 months

760 and UP

A+

-1%

3.00%

4.00%

4.00%

700-759

A

0%

4.00%

5.00%

6.00%

650-699

B

1%

5.00%

6.00%

7.00%

600-649

C

2%

6.00%

8.00%

N/A

550-599

D

4%

8.00%

9.00%

N/A

Rates subject to change without notice. 5% of loan value frozen in share account. 100% financing of NADA value. An NYUFCU share account is required for an auto loan.

* We finance cars only in NY and NJ.

Add 0.25% to rate if vehicle has more than 75,000 miles

Add 1.00% to rate if vehicle is older than 4 years

Add1.25% to rate if vehicle is both over 75,000 miles and 5 years through 7 years old. 

 New Motocycles & Boats 

Loan Amount

Rate (APR*)

Term

Up To $30,000
80% of purchase price

13.75%

Up to 48 Months

*All rates are annual percentage rates and are accurate as of date of publication. 10% of loan value frozen in share account. 
Rates and terms are subject to change without notice. All loans subject to credit approval. Other conditions and terms may apply.

Contact Member Services Representative at 212-995-3171 and ask for details. 

 


 

 Signature/Personal Loans

Signature Loans

Credit Score

Credit Tier

Up to 36 month

37-48 month

49-60 month

760 and above

A+

9.00%

10.00%

11.50%

700-759

A

10.00%

11.00%

12.50%

650-699

B

11.00%

12.00%

13.50%

600-649

C

12.00%

13.00%

14.50%

550-599

D

14.00%

15.00%

16.50%

Rates subject to change without notice. 10% of loan value frozen in share account.

60-month maximum term. Loan amounts: $500 - $10,000. Loan Application Fee -$25 

 Bill Consolidation Loans

Bill Consolidation Loan Rates

Credit Score

Credit Tier

Up to 36 month

37-48 month

49-60 month

760 and above

A+

10.00%

11.00%

12.50%

700-759

A

11.00%

12.00%

13.50%

650-699

B

12.00%

13.00%

14.50%

600-649

C

14.00%

15.00%

16.50%

550-599

D

15.00%

16.00%

17.50%

Rates subject to change without notice. 10% of loan value frozen in share account.

 Consolidating your debts means to transfer some or all of your debts that are at a higher interest rate into one loan payment that charges you a lower interest rate than the one you are currently paying.

Vacation Loans

Maximum amount is $3000   Term -12 month    

Vacation/Holiday Loan Rates

Credit Score

Credit Tier

Up to 12 months

700 and above

A+ and A

8%

650-699

B

8.75%

600-649

C

9.99%

550-599

D

11.99%

Rates subject to change without notice. 10% of loan value frozen in share account.

Credit Builder Loans

Credit Builder Loan Rates

Credit Score

Credit Tier

Up to 36 month

760 and above

A+

10.00%

700-759

A

12.50%

650-699

B

13.50%

600-649

C

14.50%

550-599

D

16.50%

Rates subject to change without notice. 10% of loan value frozen in share account.

VISA Credit Card:

 

NYUFCU VISA Classic Credit Card features a 11.9% Annual Percentage Rate and no annual fee. Plus, you will enjoy a 25-day grace period on purchases and the convenience of worldwide acceptance. Max limit is $10,000.00

The rate on our Visa Gold Credit Card is 6.90% for the first 6 months and 8.9% fixed rate after 6 months introductory rate and no annual fee. Also, you will earn one free mile for every dollar you spend. Max limit is $50,000.00

 


 

  Share Secured

We will lend you 95% of your collected share balance for 3% over our current dividend rate. Your can choose a 36 month payback for one flat rate, or a payback of up to 144 months with a quarterly review.

Visit NYUFCU today and complete a short application, or apply online.

Credit Life and Disability Insurance: We offer Credit Life and Disability Insurance for our consumer loan products. This insurance is optional and the cost of the premium is added to your loan payment. 

 


 

 

 

 

 

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