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Loan Rates (APR)

New Auto - 1.75%*
Personal - 8.75%*
MasterCard - 8.90%*

APR = Annual Percentage Rate

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Courtesy Pay

We encourage our members to manage their finances responsibly; however, we realize that there may be times when you make a mistake, have unplanned expenses or run short on cash – all leaving you with a negative balance in your checking account to cover expenses. Returned checks and denied electronic transactions can be inconvenient. They can also be costly and result in possible damage to your credit history. To help, we provide Courtesy Pay*, a checking account overdraft privilege service that will pay overdrafts up to an a $500.00 overdraft limit– all for a $30 fee for each item we pay against an overdrawn account.

Standard Courtesy Pay* covers transactions including checks, electronic debits and automatic bill payments. For overdraft protection on your ATM and debit card transactions, Federal Regulations require you to personally 'Opt-In' or to complete the "Opt-In" process.

If you would not like to take advantage of this great service, you can easily Opt-Out with our form below. We also offer you the opportunity to lower your $500 Courtesy pay limit by using the Opt-Out form also.

Opt-In Form         Opt-Out Form

Fill out these forms directly online with our Doc-U-Sign Program
Online Forms are found on our CU Forms Page


Remember: the limit daily for a Pin-based transaction using your Master Money Debit Card is $1,000. In other words any purchase or ATM withdrawal which requires the use of your PIN will not be able to surpass $1,000 for that day.

Your debit card can also be used for credit card type transactions where no PIN is necessary once you select “credit” at the Point Of Sale. The limit daily for this transaction is $2,500. It is recommended that you use this for most purchases if possible which will allow you to have more funds at your disposal for the day. This also includes any method of payment that requires your Debit Card number.

 Maintaining a check register is an excellent way to balance your checking account.  This allows you to record any withdrawals and deposits from the available amount keeping in mind what your new balance ought to be.

 Making use of the Online Banking and STAR (phone) service is a great help in more ways than one. This allows you to find out what cleared the account. We encourage you to use this system to check balances as well. This way you can avoid that $1 fee charged each time there is a balance inquiry.

 Opting in to Courtesy Pay. A new service now offered by your credit union to alleviate the stress of incoming payments. We have automatically enrolled all our members, and incoming checks and other checking accounts debits will be covered up to $500. Opting in will also cover your every day debit card transactions up to $500 (including the minimal transaction fee of $25).


Q: What is Courtesy Pay?
A: Courtesy Pay* is a service we provide to cover transactions up to a $500.00 limit on your checking account. There is a $30 fee for each transaction we cover using Courtesy Pay.

Q: Why do I have to opt in now?
A: Courtesy Pay is already set up to cover transactions including checks, electronic debits and automatic bill payments. As of July 1, 2010 the Federal Government requires consumers to opt in or agree to use Courtesy Pay to cover ATM and everyday debit card transactions. We need your permission in order to set you up to use this part of the service.

Q: How can I opt-in for overdraft protection on my ATM and debit card transactions?
A: You can opt-in by completing our online form above or stopping by any branch and we’ll do it for you. 

Q: What is an overdraft?
A: An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.

Q: What types of overdraft protection do you offer?
A: We offer two types of overdraft protection.

  • A link to your Savings Account. We can automatically transfer funds from your savings to your checking account to cover up to six transactions a month. There are no fees for this.

Q: What is the fee for Courtesy Pay?
A: We will charge you a fee of $30 each time we pay an overdraft.

Q: Can I opt in later?
A: Yes, you can opt in at any time.

Q: I opened my new account. Do I have Courtesy Pay?
A: Yes, you have Standard Courtesy Pay.

Q: If I opt out totally will my transactions be returned?
A: Yes, and you will be charged $30 per transaction.

Q: If I partially opt out will my debit card transactions be authorized?
A: No, as specified by law, we will not pay everyday debit card transactions unless you have specifically opted in for this service.


*DISCLAIMER AND LIMITATIONS: NY TEAM Federal Credit Union’s Courtesy Pay is a discretionary non-contractual courtesy service that is available on individually and jointly owned checking accounts in good standing. It is not an obligation of NY TEAM FCU, and we may refuse to provide Courtesy Pay on any checking account at any time. We reserves the right to limit participation and to suspend, revoke, or discontinue this service without prior notice. Additionally, NY TEAM FCU may change the terms, conditions and fees within the Courtesy Pay service in accordance with established policies.

Legal Notice
NYTEAM FCU assumes no responsibility for the content or information contained within the below linked references or any others contained within our site.

This is a private computer system and is the property of NY TEAM Federal Credit Union. Users (authorized or unauthorized) have no explicit or implicit expectation of privacy.
Any or all uses of this system and all files on this system may be intercepted, monitored, recorded, copied, audited, inspected, and disclosed to authorized site, NY TEAM Federal Credit Union, and law enforcement personnel as well as authorized officials of other agencies, both domestic and foreign. By using this system, the user consents to such interception, monitoring, recording, copying, auditing, inspection, and disclosure at the discretion of authorized site or NY TEAM Federal Credit Union personnel.
Unauthorized or improper use of this system may result in administrative disciplinary action and civil and criminal penalties. By continuing to use this system you indicate your awareness of and consent to these terms and conditions of use. LOG OFF IMMEDIATELY if you do not agree to the conditions stated in this warning.

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Copyright © 2000 NY TEAM Federal Credit Union


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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