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Todays Rates


APR = Annual Percentage Rate

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Loan Type 

Maximum Term 

Annual Rate 

Max Amt 

Personal  * 

60 months

9.25 %


Short Term Personal
12 months
Share Secured    * 60 months  5.00%


Home Equity * 120 months 5.00% 80% LTV
New Auto * 60 months 2.50%


72 months 3.50%
Pre-Owned Auto * 48 months 2.75%


7 years old or newer 72 months 3.75%
Older Used Auto  48 months 6.00%
10 yrs old or newer  60 months 7.00%
Motorcycle * 24 months 6.50%
60 months 7.50%
Alternative School 120 months 10.25%
PAL Loan 6 months 18.00%


MasterCard    * Classic 14.80%


MasterCard Platinum *    9.9%


  • Pre-Owned Autos-
    - 4 year terms value must be $10,000.00
    - 5 year term must be a minimum loan amount of $5,000 (Value must be $15,000)
    - 6 years must be a minimum loan amount of $30,000.00 (Requires a "C" or higher Credit Rating)
  • New Autos-
    6 year term- minimum loan amount $25,000
    7 year term- minimum loan amount $45,000 (Requires a "A" Credit)
  • New and Used Car Financing up to 100% of Purchase Price or NADA value.
  • For Personal Loans to be eligible for a 48-60 month term there is a    minimum loan amount of $5,000.00
  • Shared Secured Rate =  Prime Rate + .25%
  • *APR = Annual Percentage Rate. Rates and terms are accurate as of 1/1/17 and are subject to change without notice. Rates available for loans with Relationship Banking discount. The above loan requests are subject to credit approval. Loan rates without Relationship Banking’s discount will be 1.00% higher than those displayed. Applicants who are not approved at these rates or terms may be offered credit at a higher rate
    and/or different term. Please see an NY TEAM FCU representative for
    additional information, applicable fees and terms. MasterCard Rates are not
    reflected by Risk Based Pricing. Membership in NY TEAM FCU requires a
    Share Savings account with a $1 minimum balance. To be eligible for
    membership you must belong to one of our charters or be an immediate
    family member.



Newsletter Online
March 2015


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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