You save. We match.
Building financial confidence together.
$500
NYU Federal Credit Union wants to help you build a financial safety net. Save $500, complete the program, and we'll add $500 to your account — putting $1,000 toward your financial future.
Enrollment is on a first-come, first-served basis. Spots are limited.
Am I Eligible?
To participate, you must:
Be an NYU FCU member in good standing
Have a household income at or below 80% of Area Median Income (AMI), adjusted for household size (see tables below)
Complete the enrollment form and survey, including a savings goal statement
Open and maintain the designated Save to Empower savings account
Save a minimum of $500 during your participation period
Complete required financial education or coaching
Please note: NY and NJ residents can find income eligibility (80% of Area Median Income) guidance below. Members outside of New York or New Jersey should contact NYU FCU for eligibility guidance.
NY County | 1 & 2 Person Households | 3+ Person Households |
|---|---|---|
Albany | $92,880.00 | $106,812.00 |
Allegany | $88,160.00 | $101,384.00 |
Bronx | $155,520.00 | $181,440.00 |
Broome | $88,160.00 | $101,384.00 |
Cattaraugus | $88,160.00 | $101,384.00 |
Cayuga | $88,160.00 | $101,384.00 |
Chautauqua | $88,160.00 | $101,384.00 |
Chemung | $88,160.00 | $101,384.00 |
Chenango | $88,160.00 | $101,384.00 |
Clinton | $88,160.00 | $101,384.00 |
Columbia | $90,160.00 | $103,684.00 |
Cortland | $88,160.00 | $101,384.00 |
Delaware | $88,160.00 | $101,384.00 |
Dutchess | $98,400.00 | $113,160.00 |
Erie | $88,160.00 | $101,384.00 |
Essex | $88,160.00 | $101,384.00 |
Franklin | $88,160.00 | $101,384.00 |
Fulton | $88,160.00 | $101,384.00 |
Genesee | $88,160.00 | $101,384.00 |
Greene | $88,160.00 | $101,384.00 |
Hamilton | $88,160.00 | $101,384.00 |
Herkimer | $88,160.00 | $101,384.00 |
Jefferson | $88,160.00 | $101,384.00 |
Kings | $155,520.00 | $181,440.00 |
Lewis | $88,160.00 | $101,384.00 |
Livingston | $88,160.00 | $101,384.00 |
Madison | $88,160.00 | $101,384.00 |
Monroe | $88,160.00 | $101,384.00 |
Montgomery | $88,160.00 | $101,384.00 |
Nassau | $158,304.00 | $184,688.00 |
New York | $155,520.00 | $181,440.00 |
Niagara | $88,160.00 | $101,384.00 |
Oneida | $88,160.00 | $101,384.00 |
Onondaga | $88,160.00 | $101,384.00 |
Ontario | $88,160.00 | $101,384.00 |
Orange | $98,400.00 | $113,160.00 |
Orleans | $88,160.00 | $101,384.00 |
Oswego | $88,160.00 | $101,384.00 |
Otsego | $88,160.00 | $101,384.00 |
Putnam | $155,520.00 | $181,440.00 |
Queens | $155,520.00 | $181,440.00 |
Rensselaer | $92,880.00 | $106,812.00 |
Richmond | $155,520.00 | $181,440.00 |
Rockland | $155,520.00 | $181,440.00 |
Saratoga | $92,880.00 | $106,812.00 |
Schenectady | $92,880.00 | $106,812.00 |
Schoharie | $92,880.00 | $106,812.00 |
Schuyler | $88,160.00 | $101,384.00 |
Seneca | $88,160.00 | $101,384.00 |
St. Lawrence | $88,160.00 | $101,384.00 |
Steuben | $88,160.00 | $101,384.00 |
Suffolk | $158,304.00 | $184,688.00 |
Sullivan | $88,160.00 | $101,384.00 |
Tioga | $88,160.00 | $101,384.00 |
Tompkins | $96,240.00 | $110,676.00 |
Ulster | $95,840.00 | $110,216.00 |
Warren | $88,160.00 | $101,384.00 |
Washington | $88,160.00 | $101,384.00 |
Wayne | $88,160.00 | $101,384.00 |
Westchester | $163,200.00 | $190,400.00 |
Wyoming | $88,160.00 | $101,384.00 |
Yates | $88,160.00 | $101,384.00 |
NJ County | 1 & 2 Person Households | 3+ Person Households |
|---|---|---|
Atlantic | $105,360.00 | $121,164.00 |
Bergen | $105,360.00 | $126,132.00 |
Burlington | $105,360.00 | $121,164.00 |
Camden | $105,360.00 | $121,164.00 |
Cape May | $105,360.00 | $121,164.00 |
Cumberland | $105,360.00 | $121,164.00 |
Essex | $108,240.00 | $124,476.00 |
Gloucester | $105,360.00 | $121,164.00 |
Hudson | $105,360.00 | $121,164.00 |
Hunterdon | $122,720.00 | $141,128.00 |
Mercer | $105,360.00 | $121,164.00 |
Middlesex | $122,720.00 | $141,128.00 |
Monmouth | $109,440.00 | $125,856.00 |
Morris | $108,240.00 | $124,476.00 |
Ocean | $109,440.00 | $125,856.00 |
Passaic | $105,360.00 | $126,132.00 |
Salem | $105,360.00 | $121,164.00 |
Somerset | $122,720.00 | $141,128.00 |
Sussex | $108,240.00 | $124,476.00 |
Union | $108,240.00 | $124,476.00 |
Warren | $106,960.00 | $123,004.00 |
Choose Your Savings Pace
Participation Period | Min. Monthly Deposit | Total Saved |
|---|---|---|
4 months | $125 / month | $500 |
5 months | $100 / month | $500 |
6 months | $85 / month | $500 |
7 months | $72 / month | $500 |
Please note: You can save faster and finish early, as long as you participate for at least 4 months and complete all requirements by March 31, 2027.
How To Enroll
1
Complete the enrollment form and survey
Fill out your program enrollment form, select your savings participation option, and write your savings goal statement.
2
Open your Save to Empower savings account
A dedicated program savings account will be set up for you. Withdrawals from this account during the program may affect your eligibility for the match.
3
Start saving
Make regular deposits according to your chosen participation option.
4
Complete your financial education
Finish your chosen education path — either the Enrich module series or Balance coaching — before the program ends.
5
Receive your match
Once NYU FCU verifies that all requirements are met, your $500 match will be deposited within 7 business days.
Complete Your Financial Education
Participants must complete one of the following financial education paths prior to Program completion:
Path 1 – Enrich Financial Education Modules
Complete the required financial education courses for the Save to Empower Matched Savings Program while building practical skills in budgeting, saving, credit management, debt reduction, and overall financial wellness.
These self-paced online courses are designed to help you strengthen your financial knowledge, develop healthy financial habits, and support your progress toward achieving your savings goals.
Once all courses are completed, please download or print this checklist, check off completed courses, and email a signed copy to assist@nyufcu.com. Matched savings funds will be deposited once all required courses are completed and program savings requirements have been met.
Please note that completion of courses without confirmed enrollment in the Save to Empower Matched Savings Program will not qualify for matched savings funds.
Required courses:
This personalized assessment will help us recommend the best content to help you achieve your personal finance, education, and career goals.
This course explores how contributing to an emergency fund can set you up for financial success.
In this course, you will learn how to create a budget and use it in building smart spending habits.
This course dives into the many facets of a consumer's relationship with debt, including strategies and resources for when debt becomes unmanageable.
This course introduces financial planning and explains how we can help you achieve financial well-being with a personalized and holistic approach.
This course discusses how financial stress can affect your overall well-being and explores the ways you can alleviate its impact on your life.
This course explores how to identify and improve your spending habits so you can improve your financial situation in the short and long term.
Path 2 – Balance Coaching Sessions
Complete the required coaching sessions for the Save to Empower Matched Savings Program while developing a personalized plan to manage debt, build a balanced budget, and move closer to your savings goals.
This one-on-one coaching experience is designed to help you identify financial challenges, create actionable strategies, and build the confidence and skills needed to achieve lasting financial wellness.
Please complete the steps below and email the required documents to assist@nyufcu.com along with your name. Matched savings funds will be deposited once all requirements are completed and program savings requirements have been met.
Please note that completion of requirements without confirmed enrollment in the Save to Empower Matched Savings Program will not qualify for matched savings funds.
Requirements:
Complete a Debt & Budget Coaching Session through Balance
Develop a personalized action plan during your session
Email your action plan and certificate of completion to assist@nyufcu.com to schedule a follow-up session with one of our certified financial counselors
Complete follow-up session