At a glance
From its website, read 2 Nov 2026New York University FCU is a credit union based in New York, New York. Its website describes auto loans, credit-builder loans, small-dollar emergency loans and 1 other loan type. Stated loan amounts run from $500 to $20,000. Consumer loan APRs stated on its site range from 3.75% to 8%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (866) 698-2865 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.nyufcu.com |
| Office (official list) | 726 Broadway, Suite 110, New York, NY 10003 |
What their website says about applying
Check your eligibility and apply to become a member today!
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 |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 3.75% APR | rates as low as 3.75% APR | source |
| Auto / vehicle loans | Rate: from 4.75% APR | As low as 4.75% APR | source |
| Personal / consumer loans | Rate: from 7.5% APR | As low as 7.5% APR | source |
| Personal / consumer loans | Rate: 8% APR | borrow up to $4,000 at a promotional 8.00% APR for up to 24 months | source |
| Auto / vehicle loans | Term: up to 7 yr | Borrow up to 84 months on new cars, 72 months on used cars | source |
| Personal / consumer loans | Term: up to 2 yr | borrow up to $4,000 at a promotional 8.00% APR for up to 24 months | 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: 520
Credit score not less than 520.
source - Membership required
Membership with a NYUFCU share account is required for all loans.
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) | 1 Jul 2026 |
| RSSD ID | 933498 |
| Address | 726 Broadway, Suite 110, New York, NY 10003 Directions (Google Maps) |
| Website | www.nyufcu.com |
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. Membership with an NYU FCU share account is required for loans; mortgage and personal loan amounts are partly shown in tables not fully captured. 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 | — | NYU Federal Credit Union offers auto loans for new and used vehicles, auto loan refinancing, motorcycles, and electric vehicles | source |
| Credit-builder loans | — | A Credit Builder Loan is designed to help you establish or strengthen your credit history through consistent, on-time payments. | source |
| Small-dollar / emergency loans | — | A Life Happens Loan provides access to funds when you need help covering emergency costs, such as medical expenses, home repairs, or other urgent needs. | source |
| Personal / consumer loans | $500 – $20,000 | $500 - $20,000 | source |
Loan sizes
Range used for the size filter: $500 to $20,000
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now
source
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. - What is the APR, including fees, on your credit-builder loans and small-dollar emergency loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - 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$4.8 million in 5 awards from the U.S. Treasury's CDFI Fund, 2013–2024 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $650,000 |
| 2021 | CDFI Program, Financial Assistance | $701,530 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2018 | CDFI Program, Financial Assistance | $875,000 |
| 2013 | CDFI Program, Financial Assistance | $719,814 |
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 NEW YORK UNIVERSITY (charter 23958). 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 | $77.7 million (as of 30 Jun 2026) |
|---|---|
| Members | 10,777 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
New York (2 offices)
- Nassau County (1): 194 1st St, Mineola 11501
- New York County (1): 726 Broadway Ste 110, New York 10003 (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 New York University FCU (NCUA charter 23958, filed as “NEW YORK UNIVERSITY”). 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 | $52.5 million, 2,518 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 6.4% from $49.3 million on 30 Jun 2025 |
| Members | 10,777 (as of 30 Jun 2026); 10,624 (as of 30 Jun 2025) |
| Loans per member | $4,869 (total loans divided by members, 30 Jun 2026) |
| Total assets | $77.7 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $2.4 million | 4.6% |
| Used vehicle loans | $2.8 million | 5.3% |
| First-lien home mortgages (1-4 family) | $27.3 million | 52.1% |
| Other real estate loans (junior liens, other) | $9.5 million | 18.0% |
| Credit cards | $4.7 million | 9.0% |
| Other unsecured loans | $5.6 million | 10.8% |
| Leases and other secured loans | $121,739 | 0.2% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
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.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025New York University FCU reported 30 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $12.5M (median loan about $350,000). 26 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 26 | 87% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 30 | 100% |
Where the loans were made
Counties with the most 2025 originations, out of 12 counties with at least one; 80% of its 2025 loans were for properties in New York:
- Queens County, NY (7)
- New York County, NY (5)
- Bronx County, NY (3)
- Kings County, NY (3)
- Westchester County, NY (3)
Filed under LEI 254900PFOL1KDTRYWV11 as “New York University Federal Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $20,000 | Other credit unions whose website states a maximum: median $62,500. Higher than the stated maximum of 3% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $77.7 million | Larger than 67% of the 18 other certified credit unions in New York (median $41.6 million). |
| Loans as a share of assets | 68% | 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 | $49.3 million → $52.5 million (+6%) | Median change of 17 other certified credit unions in New York: +1%. Rank by loans held among these 18: 5 → 5. |
| Home loans originated in 2025 (HMDA) | 30 | More than 11% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 3% |
| Call Report total assets | other certified credit unions in New York | 18 | larger than 67% |
| Loans held then vs now | certified credit unions in New York reporting both dates | 17 | rank 5 → 5 of 18 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 11% |
“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.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
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 New York University FCU? Link to this page
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