At a glance
From its website, read 2 Nov 2026Neighborhood Trust Federal Credit Union is a credit union based in New York, New York. Its website describes auto loans, credit-builder loans, small-dollar emergency loans and 4 other loan types. Stated loan amounts run from $550 to $200,000. Business loan rates stated on its site range from 4.5% to 15%. The consumer loan APR it states is 9.5%. It says it considers borrowers with low or no credit history. You can start an application online. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (212) 740-0900 source |
|---|---|
| homelending@neighborhoodtrustfcu.org source | |
| Apply online | Page with the application link |
| Website | www.neighborhoodtrustfcu.org |
| Office (official list) | 1112 St Nicholas Ave, New York, NY 10032 |
What their website says about applying
Get Pre-Qualified | No impact to your credit!
sourceBecome a Business Member today and select the loan that is right for your business needs.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: from 9.5% APR | 9.50% APR | source |
| Loans (general) | Rate stated, not as an APR: see their wording | We offer rates starting at 10.5% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | Rates from 4.68% to 10.84% | source |
| Credit-builder loans | Rate stated, not as an APR: see their wording | Fixed rate of 8% (1% discount to | source |
| Small-dollar / emergency loans | Rate stated, not as an APR: see their wording | First-timer fixed rate of 28% with amount up to $500 | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | Competitive fixed rate, maxed at 18%* | source |
| Small-business loans | Rate: 4.5%–13.25% | Rate: 4.5% to 13.25% | source |
| Small-business loans | Rate: 7.75%–15% | Rate: 7.75% to 15.00% | source |
| Auto / vehicle loans | Term: see their wording | Up to 72 month terms | source |
| Credit-builder loans | Term: see their wording | 6 to 24-month term | source |
| Personal / consumer loans | Term: see their wording | Repayment period of up to 60 months | source |
| Small-business loans | Term: up to 5 yr | Up to 60 months for term loans | source |
| Small-business loans | Term: up to 7 yr | Up to 84 months for term loans | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Minimum credit score: 601
Minimum credit score of 601
source - No or thin credit history considered
No credit history is required
source - Membership required
At least one month as a member
source - Low or damaged credit considered
You can have this card even if your credit score is low.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 31 Mar 2014 |
| RSSD ID | 2561952 |
| Address | 1112 St Nicholas Ave, New York, NY 10032 Directions (Google Maps) |
| Website | www.neighborhoodtrustfcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Service area and lending geography were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | up to $35,000 | Amount: up to $35,000 | source |
| Credit-builder loans | $550 – $2,000 | Amount: $550-$2,000 | source |
| Small-dollar / emergency loans | up to $2,000 | Second-timer can request up to $2,000 | source |
| Affordable housing development loans | — | Funding for Building Coops (HDFC and Conventional) | source |
| Home mortgages | — | We offer home loans for houses, condominiums, and cooperative apartments, including HDFC co-ops. | source |
| Personal / consumer loans | $1,000 – $12,000 | Amount: $1000-$12,000 | source |
| Small-business loans | — | Business Loans & Lines of Credit | source |
Loan sizes
Amount: up to $35,000
sourceAmount: Up to $200,000
sourceAmount: $550-$2,000
sourceBusiness Loan up to $20,000
source
Range used for the size filter: $550 to $200,000
Service area
Not stated on the pages we read.
Borrower focus
- Minority / BIPOC
We work with entrepreneurs operating retail businesses, restaurants, service, and wholesale businesses, Certified Minority-Owned Businesses (MBE), and self-employees, among others.
source - Startups
Offered to start-ups operating for 2 years, established businesses, street vendors, self employees
source
Languages
- Spanish
offered in both English and Spanish
source
Online application
Yes — the site links to an application. Apply for a Loan
source
Pages read (7)
- https://neighborhoodtrustfcu.org/
- https://neighborhoodtrustfcu.org/auto-loans
- https://neighborhoodtrustfcu.org/home-loans
- https://neighborhoodtrustfcu.org/personal-loans
- https://neighborhoodtrustfcu.org/financial-education
- https://neighborhoodtrustfcu.org/loanslines-of-credit
- https://neighborhoodtrustfcu.org/credit-cards
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$10.4 million in 15 awards from the U.S. Treasury's CDFI Fund, 1998–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,335,000 |
| 2022 | CDFI Equitable Recovery Program | $2,187,988 |
| 2022 | CDFI Program, Financial Assistance | $682,900 |
| 2021 | CDFI Program, Financial Assistance | $676,530 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $637,500 |
| 2019 | CDFI Program, Financial Assistance | $665,000 |
| 2017 | CDFI Program, Financial Assistance | $894,713 |
| 2012 | CDFI Program, Financial Assistance | $550,000 |
| 2009 | CDFI Program, Financial Assistance | $350,000 |
| 2006 | CDFI Program, Financial Assistance | $100,000 |
| 2005 | CDFI Program, Technical Assistance | $37,200 |
| 2001 | CDFI Program, Technical Assistance | $30,000 |
| 2000 | CDFI Program, Financial Assistance | $237,000 |
| 1998 | CDFI Program, Financial Assistance | $210,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as NEIGHBORHOOD TRUST (charter 24589). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $20.3 million (as of 30 Jun 2026) |
|---|---|
| Members | 2,816 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
New York (1 office)
- New York County (1): 1112 Saint Nicholas Ave, New York 10032 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Neighborhood Trust Federal Credit Union (NCUA charter 24589, filed as “NEIGHBORHOOD TRUST”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $15.2 million, 475 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 5.6% from $14.4 million on 30 Jun 2025 |
| Members | 2,816 (as of 30 Jun 2026); 3,187 (as of 30 Jun 2025) |
| Loans per member | $5,394 (total loans divided by members, 30 Jun 2026) |
| Total assets | $20.3 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $17,538 | 0.1% |
| Used vehicle loans | $120,217 | 0.8% |
| First-lien home mortgages (1-4 family) | $12.6 million | 82.9% |
| Other real estate loans (junior liens, other) | $22,372 | 0.1% |
| Commercial (business) loans | $1.6 million | 10.8% |
| Credit cards | $65,550 | 0.4% |
| Other unsecured loans | $582,057 | 3.8% |
| Leases and other secured loans | $143,373 | 0.9% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $12,000 (16 loans) | All 7(a) lenders in New York: $130,000. Larger than the median loan of 0% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 1 → 4 | Rank among the 9 certified CDFIs in New York with SBA approvals in either period: 8 → 7. |
| Largest loan its website states | $200,000 | Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 67% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $20.3 million | Larger than 39% of the 18 other certified credit unions in New York (median $47.3 million). |
| Loans as a share of assets | 75% | Median of the same 18 credit unions: 60%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $14.4 million → $15.2 million (+6%) | Median change of 17 other certified credit unions in New York: +1%. Rank by loans held among these 18: 11 → 11. |
| Business loan rate its website stated (2 Nov 2026) | 4.50% to 15.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 2.5 pts below prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 0% |
| SBA approvals then vs now | certified CDFIs in New York with SBA approvals FY2023–2026 | 8 | rank 8 → 7 of 9 |
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 67% |
| Call Report total assets | other certified credit unions in New York | 18 | larger than 39% |
| Loans held then vs now | certified credit unions in New York reporting both dates | 17 | rank 11 → 11 of 18 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Small-business loans (this lender states from 4.50%): Brooklyn Alliance Capital, Inc. from 2.00% (13 mi, read 2 Nov 2026); Renaissance Economic Development Corporation from 4.00% (9 mi, read 2 Nov 2026)
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Prime rate: FRED DPRIME. Stated rates: each lender's own website, read on the date shown.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 16 SBA-backed approvals for Neighborhood Trust Federal Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 16 7(a) loans as the lender: $393,500 in total (gross amount approved), median $12,000
By fiscal year: FY2020 2 · FY2021 4 · FY2022 5 · FY2023 1 · FY2024 0 · FY2025 4 · FY2026 0.
What actually happened
- Size of its 7(a) loans: half were between $10,000 and $15,000, median $12,000 (16 loans)
- Term of its 7(a) loans: median 48 months (4 years) (16 loans)
- Fixed or variable: 69% of its 7(a) loans had a fixed rate (16 loans)
- Young businesses: 31% of its 7(a) loans went to a startup or a business two years old or less (16 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) SBA Express (16, 100%)
Borrower industries
NAICS sector, 3 or more loans.
- Administrative and support and waste management services (4)
- Professional, scientific, and technical services (3)
- Other services (except public administration) (3)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
How this lender was matched in the SBA files: NCUA charter 24589, found through the RSSD ID in NCUA records (SBA lists “Neighborhood Trust Federal Credit Union”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Neighborhood Trust Federal Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in New York and New York
- AAFE Community Development FundLoan fund · New York, NYOfficial list only
- Abyssinian Baptist Church Federal Credit UnionCredit union · New York, NYOfficial list only
- Ascendus Inc.Loan fund · New York, NYChild-care facility financing, Credit-builder loans, Small-business loansVerified
- Business Consortium Fund, Inc.Loan fund · New York, NYSmall-business loansVerified
- Carver Federal Savings BankBank or thrift · New York, NYCommercial real estate loans, Microloans, Small-business loansVerified
- CHURCH OF THE MASTER FEDERAL CREDIT UNIONCredit union · New York, NYAuto / vehicle loans, Personal / consumer loans, Small-business loansVerified
- Community Development Trust, LP, TheLoan fund · New York, NYAffordable housing development loansVerified
- Community Development Venture Capital Alliance, TheVenture capital fund · New York, NYOfficial list only
Work at Neighborhood Trust Federal Credit Union? Link to this page
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