Loan Rates
Whether you want to buy a new car, a home, go on vacation, renovate your home or refinance an existing loan, we can help you get the loan that’s right for you, with competitive interest rates, fast pre-approval, online applications and closings. Look No Further, Borrow with us!
Check out the best rates in town:
Home Equity Loan
Learn about your Loan Options by Borrowing from the Equity you have earned.
| Home Equity | APR* | Term (Months) | Up to | Payment per $1000.00 Borrowed |
|---|---|---|---|---|
| 7.00% | 60 | 75% LTV | 10.86 | |
| 7.75% | 180 | 8.72 | ||
| 8.50% | 240 | 7.61 |
Signature Loans
Secure the Funds you Need with a Loan from NY TEAM Federal Credit Union.
| APR* | Term (Months) | $ Max Amount | Payment per $1000.00 Borrowed | |
|---|---|---|---|---|
| Personal Loan | 9.25% | 60 | $20,000. | $33.37 |
| Short Term Personal | 6.50% | 24 | 5,000. | $87.45 |
| Shared Secured Loan | 3.05% | 60 | 100% Shares | 21.93 |
| Payday Alternative | 18.00% | 6 | $1,000 | 175.49 |
| Alternative School Loan | 13.75% | 120 | $10,000 | 35.40 |
| Line of Credit | 12.50 APR Variable = Rate + 4.00% APR | Revolving | $20,000 |
Vehicle
New, pre-owned, electric, fueled. Amazing rates for pretty much every car, motorcycle or boat.
| New Vehicle | APR* | Term (Months) | $ Max Amount | Payment per $1000.00 Borrowed |
|---|---|---|---|---|
| 6.00% | 60 | 100% LTV | $20.63 | |
| 7.00% | 72 | $18.11 | ||
| 8.00% | 96 | $15.04 | ||
| Pre-Owned (2017-2023) | ||||
| 6.50% | 60 | 100% LTV | $20.84 | |
| 7.50% | 72 | $17.90 | ||
| 8.50% | 96 | $15.82 | ||
| Older Pre-Owned (2013-2016) | ||||
| 8.25% | 48 | 80% LTV | $25.78 | |
| 8.50% | 60 | $21.84 | ||
| Cash out Your Auto | ||||
| 7.25% | 60 | 90% LTV | 21.25 |
Recreational
New, pre-owned, electric, fueled. Amazing rates for pretty much every car, RV, motorcycle or boat.
| Motorcycle | APR* | Term (Months) | $ Max Amount | Payment per $1000.00 Borrowed |
|---|---|---|---|---|
| 7.00% | 48 | 100% LTV | 23.49 | |
| 7.00% | 60 | 19.81 | ||
| New RV + Boat* Loan | ||||
| 5.50% | 60 | 80% LTV | 20.39 | |
| 6.00% | 120 | 12.53 | ||
| 6.50% | 180 | 10.29 | ||
| 7.00% | 240 | $7.46 | ||
| Pre-Owned RV + Boat | ||||
| 6.50% | 60 | 80% LTV | 20.88 | |
| 7.00% | 120 | 13.08 | ||
| 7.50% | 180 | 10.90 | ||
| 8.00% | 240 | 8.06 |
Credit Card
Find the Right Credit Card for You
| APR* | $ Max Amount | |
|---|---|---|
| Classic Rewards Card (Cash Advance & Balance Transfer Rate) | 14.88% | $10,000. |
| No-Frills Platinum Card (Cash Advance & Balance Transfer Rate) | 9.90% | $10,000. |
*APY is Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Rates as of 1/3/23.
All rates and terms are subject to change without notice. All loan rates will be based on credit history.
Rate shown is the lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.
Rates shown assume payment discount. Loan rates without payment discount will be higher than those displayed.
New auto loans may finance up to 100% of the MSRP or the purchase price, whichever is less, plus sales tax, license, and extended auto warranty. Used auto loans may finance up to 100% of the NADA Value Guide or the purchase price, whichever is less, plus sales tax, license, and extended warranty.
Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different term.
**In order for a boat loan to have a repayment term of over 144 months, it must qualify as an Internal Revenue definition of a home; has sleeping, cooking & toilet facilities. (Internal Revenue Publication 936 Home Mortgage Interest Deduction, 2000). Conditions of loans may vary. Rates and conditions are subject to change without notice.
MasterCard Offer– Loss of Introductory APR. We may end your Introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if you are 60 days late in making a payment.
Home equity minimum loan amount of $25,000. All loans are subject to credit approval and income verification. Available for primary residences excluding mobile homes, boats, co-ops, and under construction or on leased land. Appraisal and title search are required. Payments do not include taxes or required insurance.
NY TEAM will pay up to $1,500.00 of closing costs on Home Equity’s less than $60,000.00. NY TEAM FCU will pay all closing costs on Home Equity loan amounts $60,000 and over on properties in New York State only. If you pay off and close your loan less than five years from loan origination date, you will be required to reimburse all closing costs paid by NY TEAM.
We provide links to third party partners, independent from NY TEAM Federal Credit Union. These links are provided only as a convenience. We do not manage the content on those sites. The privacy and security policies of external websites will differ from those of NY TEAM.
To create a better user experience for everyone, we are currently taking steps to ensure our website is compliance with the Americans with Disabilities Act guidelines.