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Todays Rates

Loan Rates (APR)

New Auto - 1.89%*
Personal - 8.50%*
MasterCard - 8.90%*

APR = Annual Percentage Rate




 


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FAQ


0% Auto Financing…

Know the Truth
*!

1)     1) A perfect credit rating is usually needed to qualify for 0% interest on car loans. Only a handful of all car buyers ever qualify for 0% financing offers.

By financing with your Credit Union, if you cannot qualify for our lowest rate financing our other rates are still much lower than the car dealerships.

2)     0% financing usually means the terms of the loan are shorter and the monthly payment is larger.
(Borrowing $30,000.00 with 0% for 36 months would result into an approximately $835.00 monthly payment)

We offer our as low as rate for up to 72 months on New Vehicles and up to 60 months on Pre-Owned Vehicles.


3)      0% financing is usually only offered on select models and this will limit the type of vehicle you can choose.

Let your Vehicle choice be endless! We offer our as low as financing on all New and Pre-Owned Vehicles.

4)     4) Usually to receive the 0% financing you will have to forfeit a manufacturer’s rebate. (Which could potentially save you hundreds to thousands of dollars)

Keep those Manufacturer’s rebates offered by the Dealership or Manufacture by using us!

5)     5) Car Dealerships are known for usually increasing the overall price of the vehicle to make up for the lost finance charges.

You have the added option of stepping away from the dealer by purchasing a Vehicle Privately. We lend up to 100% NADA Value on Pre-Owned financing. This protects you, our Member, from potentially over-paying for a vehicle.

6)     6) Car Salesman’s main concern is selling cars; they do not care about you once you leave the Dealership.

 We have many products designed for you. Let us safeguard your “New Car” with Guaranteed Asset Protection (GAP) and Warranty Choices. We offer you the option to protect you and your family with Disability & Life Insurance for your loan payments.  Need an insurance quote? Try Tru-Stage, an insurance company designed for Credit Unions Members!

NY TEAM Federal Credit Union knows who you are and allows you to finance with a Company you Know & Trust. Financing with your Dealership could result in financing with a company no one’s ever heard of.

No Hidden Terms, No Pre-Payment Penalties, No Hidden Fees & No Hassle

 Apply Today and Receive your Instant Decision! Let the Car Shopping Process begin!

 

*Listed above are potential risks and are stated as usually, as we cannot state facts, as each sale has different terms and regulations. Just buyers beware for Educational purposes.

 

*APR = Annual Percentage Rate. Rates and terms are accurate as of 4/1/14 and are subject to change without notice. Rates available for loans with our Platinum Relationship Banking Discount. The above loan requests are subject to credit approval. Loan rates without our Platinum Relationship Discount Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different term. Discounts are not offered on sale loans. Please see an NY TEAM FCU representative for additional information, applicable fees and terms. Membership in NY TEAM FCU requires a Share Savings account with a $25 minimum balance.  To be eligible for membership you must belong to one of our charters or be an immediate family member. Auto Loan Lowest Rate reflects discounts for .10% off for Trustage Insurance, .10% off for GAP and .10% off for our Warranty Coverage.

 
   

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NYTEAM FCU assumes no responsibility for the content or information contained within the below linked references or any others contained within our site.

This is a private computer system and is the property of NY TEAM Federal Credit Union. Users (authorized or unauthorized) have no explicit or implicit expectation of privacy.
Any or all uses of this system and all files on this system may be intercepted, monitored, recorded, copied, audited, inspected, and disclosed to authorized site, NY TEAM Federal Credit Union, and law enforcement personnel as well as authorized officials of other agencies, both domestic and foreign. By using this system, the user consents to such interception, monitoring, recording, copying, auditing, inspection, and disclosure at the discretion of authorized site or NY TEAM Federal Credit Union personnel.
Unauthorized or improper use of this system may result in administrative disciplinary action and civil and criminal penalties. By continuing to use this system you indicate your awareness of and consent to these terms and conditions of use. LOG OFF IMMEDIATELY if you do not agree to the conditions stated in this warning.


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Copyright © 2000 NY TEAM Federal Credit Union


Newsletter Online
March 2014

 


Our MasterCard Credit Card Members will now be earning Rewards on Every Purchase!!



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Alliance One's Newsletter

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Accounts Federally Insured to $250,000 by National Credit Union Administration an agency of the U.S. Government

The NCUA Insurance Call Center, at (800) 755-1030, ext. 1, operates from 8 a.m.-6:30 p.m. Eastern time, Monday through Friday. Experts are available to answer questions about NCUSIF coverage.
 

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