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      Consumer Loans

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Let us be your primary lender by taking advantage of our great loan products. If you have the time; we have the time to tell you if your Instantly Approved!

Auto/Truck/Motorcycle Loans:

We have great deals on new and pre-owned vehicles and are here to help you finance the car of your dreams. Pre-approvals give you added bargaining power with our “Instant Decisions”. Stop by or call today to receive your answer immediately. (516) 822-1070 Option 3.

1)       New Auto/Truck/Motorcycle Loan – Borrow up to 100% of purchase price or NADA value with for terms up to 84 months. (Motorcycle maximum term is 60months)

2)       Pre-Owned Vehicles/Motorcycles 7 Years old or Newer Auto Loan – We finance up to 100% of NADA* value with terms up to 72 months if loan amount is at least $30,000.00. (Motorcycle maximum term is 60months)

3)       Pre-Owned Vehicles/Motorcycles 7 years old or newer – We finance up to 100% of NADA* value with terms up to 36 months. Minimum loan amount is $5,000.00.

4)       Other Pre-Owned – We finance 80% of NADA value and need to have a minimum loan amount of 2,000.00 to be eligible for a 36 month term. Min Loan Amount of $10,000.00 for 48 months ("C" Credit or Higher) Min Loan Amount of $15,000.00 for 60 months ("C" Credit or Higher)

5)       Refinance Auto/Truck/Motorcycle Loans – We only refinance loans from other financial institutions.

6)       Private Party Sales – We only finance the payoff amount or up to the NADA retail value of the vehicle, price of vehicle does not include taxes or registration fees.

(We do not finance negative equity) We offer two valuable insurance programs for vehicle owners through CUNA Mutual; GAP (Guaranteed Asset Protection) and Mechanical Repair Coverage. GAP is here to save you from a huge out of pocket expense. If your car is stolen or is declared a total loss and your loan balance exceeds the vehicles value, GAP is to cover the difference. Our Mechanical Repair Coverage is a warranty; pays for covered mechanical repairs, 24 hour roadside assistance, towing, emergency expenses and rentals. Ask a loan officer for more information on these two great programs. Also view our CU Forms Page for Brochures on these items.

*NADA (National Automobile Dealers Association.)

Personal Loan:

This loan is designed for your varying credit needs from school tuition and vacations to emergencies. The most popular use for this loan is debt consolidation; this allows you to refinance your much higher credit cards into one loan with one low payment. If this loan’s main purpose is debt consolidation, funds will be disbursed in two party checks.  Fixed rates and flexible terms are available.

Minimum loan Amount is $500.00; Maximum loan amount is $20,000. Terms are offered up to 60 months.

We also offer a Short Term Personal Loan which has a Maximum loan amount of $2,500.00 and term up to 12 months.


Alternative School Loan:

This loan is designed to help our members or their children who want to attend an accredited trade school, private school, college or another type of education program. The proceeds of this loan will be disbursed only to the School. This loan has a maximum of 10,000.00 and a 10 year term.

Shared Secured Loan:

This loan is designed for you to borrow against your own shares. This loan is also here to help build up your credit. The loan amount is designed by you; the amount will not exceed the total amount of shares held and terms are offered up to 60 months. Shares are eligible for dividends while being held.             

MasterCard Credit Cards:

We offer two MasterCards with low rates and no annual fee. Our Platinum & Classic MasterCard have limits up o $10,000.00.  Our MasterCard is accepted worldwide and the only card you will need! Please call for an application to apply for one today! (516) 822-1070 Option 3.

Payday Alternative Loan (PAL):
Fast cash now with a Savings Account for later

Did you know that a loan from one of those payday lenders has an effective rate of 400% or more? That’s no way to solve a cash emergency! Since your Credit Union is a not-for-profit financial institution owned by our members, we’re only financially healthy when you are. Our members deserve a safe, smart option for emergency cash. We designed something that helps, rather than makes the problem worse.

NY TEAM FCU offers a Payday Alternative Loan (PAL) with no additional fees. Other companies charge pesky application or renewal fees. With our Payday Alternative Loan (PAL) you can borrow up to $1,000 with up to 6 months to repay. You pay a fixed rate of 18% APR regardless of your credit score.

Now here’s the happy ending: An equal portion of the loan goes into your Savings Account when the loan is paid in full. You benefit two ways—you solve your short-term cash problem, and get a head start to establishing a savings account you can build on! How’s that for a real alternative to the payday loan trap!?

 Example: If you request a loan for $750.00, by the end of the term on the loan, you will have paid off the loan and have a $750.00 Savings Account.

*APR = Annual Percentage Rate. Rates and terms are accurate as of 1/1/15 and are subject to change without notice. Rates available for loans with full direct deposit, MVP discount. The above loan requests are subject to credit approval. Loan rates without Direct Deposit MVP 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. 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.

Newsletter Online
March 2015


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

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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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