Real Estate Loans

                                                                                   Consumer Loans 

New and Used Auto Loans Get more car for your dollar with an NYUFCU Auto Loan. There are no application fees, no prepayment penalties and flexible terms with one low rate for both new and used vehicles. We can finance 100% of purchase. Borrow up to 5 years on a new and used car with fixed interest rates for the term of the loan (6 years on new 2010 cars).  The loan application fee is $25 Auto Loan Rates                                                                          Vehicle Loan Rates as of November 1, 2011 New Auto Loans Used Auto Loans Model Years Term APR as low as* 2009 Up to 36months 5.50% 5.50% 2010 Up to 48 months 4.50% 4.50% 2011 - 2012 Up to 60 months 3.25% 3.25% 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. *    Rates with automated payments. Rates for vehicle loans are subject to  change without notice. 5% of loan amount frozen in members share account.        An NYUFCU share account is required for auto loan account. **  Refinancing not available on existing NYU FCU auto loans.   Click here for New and Used Auto Loan Check List  **NYU FCU share account is required for all loans.

 

Recreational Vehicle Loan Rates     48-month maximum term. 80% of purchase price. 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. All loans subject to credit approval. Rates and terms are subject to change without notice. Other conditions and terms may apply; ask for details. Contact Member Services Representative at 212-995-3171 and ask for details. **NYU FCU share account is required for all loans.

 

Signature/Personal Loans  60-month maximum term. Loan amounts: $500 - $10,000. Loan Application Fee -$25 Signature Loans Term Max Amount APR as low as* Up to 12 months $10,000.00 9.00% Up to 24months $10,000.00 9.50% Up to 36 months $10,000.00 10.50% Up to 48 months $10,000.00 11.00% Up to 60 months $10,000.00 11.50% Rates subject to change without notice. 10% of loan value frozen in share account. *NYU FCU share account is required for all loans.

  

Bill Consolidation Loans 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. Loan application fee $25    Bill Consolidation Loans Term Max Amount APR as low as* Up to 12 months $45,000.00 9.00% Up to 24months $45,000.00 9.50% Up to 36 months $45,000.00 10.50%                             Up to 48 months                $45,000.00           11.00%                             Up to 60 months                $45,000.00           11.50% Rates subject to change without notice. 10% of loan value frozen in share account. On some loans we may also require to have a direct deposit.   10% of loan balance is frozen in share account on all unsecured consumer loans. NYU FCU share account is required for all loans.

     Vacation Loans   Maximum amount is $3000 Term -12 month Rate -8% The Loan Application Fee is $25.

VISA Credit Card Disclaimer The New York University Federal Credit Union is a federally chartered savings and loan cooperative solely owned and operated by its membership.  Savings accounts are insured by the federal government up to the same amounts as any commercial bank.  Because New York University is the sponsoring organization of the New York University Federal Credit Union, the NYUFCU’s field of membership is limited to individuals who are connected to New York University (such as students or employees and their immediate families). However, New York University and the NYUFCU are not otherwise affiliated and the NYUFCU acts independently from New York University. OUR VISA CREDIT CARD WILL SAVE YOU MONEY! Check your mailbox every day and you’re sure to see… there are thousands of credit cards available from just about every imaginable source. Some offer gimmicks, some offer rebates, some you can hardly understand just what they are offering. Beware-these tricks always come at a cost, and it will probably be right out of your pocket!  Rest assured…you don’t have to learn the hard way- no matter what your needs, a credit union Visa Credit Card will save you money!  In fact, the right credit card can save you hundreds of dollars every year. And, saving money is something everyone can agree on. That’s why our credit card perfect for you. We offer low rates, no hidden fees or charges, and the convenience services that put us ahead of the crowd. Visa Classic Credit Card The loan application fee on all Credit Card Applications is $25 Simply fill out and sign the application and Visa Classic Credit Card Account Opening Disclosure and return to the Credit Union with copies of the two most resent paystubs. You can also   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. Please print out Visa Classic and Visa Gold Card Application and Solicitation Disclosure for your records. Visa Gold Credit Card  (You will qualify for Visa Gold Credit Card, if your credit score is above 700.) Please simply fill out and sign application and Visa Gold Credit Card Account Opening Disclosure, include copies of two most resent paystubs and return to us or fax at 212-995-4582. Please print out for your records Visa Classic and Gold Credit Card and Visa Secured Credit Card Agreement  and for your copy of the agreement please click here.  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. Maximum limit on Visa Classic and Gold Credit Cards - $10,000. Secured Visa Credit Card You need to sign Pledge of shares agreement, in addition to the Credit Card Agreement. We would us for a collateral pledge of 125% of the line of credit. To transfer Credit Card Balance please click here. Credit Card Repayment Calculator please click here  Start saving with a NYUFCU VISA Credit Card today! *NYU FCU share account is required for all loans.

 

Share Secured Have a problem keeping the money you saved in an account, while new expenses keep popping up? Why not take a loan against your share account balance at the credit union? We will lend you 95% of your collected share balance for 5% over our current dividend rate (.20%). 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. The loan application fee is $25. 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.