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Todays Rates

Loan Rates (APR)

New Auto - 1.39%*
Personal - 8.50%*
MasterCard - 8.90%*

APR = Annual Percentage Rate

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FAQ

FAQ PAGE 

Who can join NY TEAM Federal Credit Union?

You would need to belong to one of our charters or be an immediate relative of an individual who is already a member (spouse/domestic partner, parents, grandparents, children, grandchildren, stepchildren, and siblings). Our charters: The Long Island Rail Road, Metropolitan Transportation Authority, Staten Island Rapid Transit, Amtrak, Conrail, NJ Transit, Metro North, White Rose, Road Company Aeroflex, Eagle Electric, North folk Southern, CSX, This Weeks Publications, Visiting Nurses, NCC.

 How can I join NY TEAM Federal Credit Union?

Very easily by filling out a membership application which you can find on our website (www.nyteamfcu.org), branch or call us to receive one by mail. We also offer a Switch Kit, which makes the change hassle free.

 Why is there always a $25 difference between my balance and the available amount?

Credit union membership is based on ownership of a par value regular share which equals $25.00, which needs to be maintain at all times to be eligible for credit union services & benefits..

Can I still be a member once I retire or move out of state?

Yes, once a member always a member.  We offer online home banking so you can view your account and make any transaction you would normally do in the office online.

Do you offer a Debit Card to Young Adults?

Yes, We do offer a Minor MasterMoney Debit Card to minors, ages 15 to 17. To be eligible a guardian will need to be a joint owner and also sign for full responsibility of all debit card transactions on the account. Please view our Teen Corner for additional information.

How long do I have to wait to apply for a loan or MasterCard after I have joined the credit union?

Donít wait, apply immediately.

 How long does direct deposit take to start?

Typically takes two weeks from the date your employer receives the form you fill out.

 What is NY TEAM Federal Credit Unionís routing number?

NY TEAM Federal Credit Unionís routing and transit number for ACH, Direct Deposit, & Wire Transfer is: 2260-7612-2

 When will I receive my debit card & checks?

Your new MasterCard debit card and checks should arrive in seven to ten business days. If you would like to receive temporary checks, just ask.

 How do I change my debit card pin number?

You will receive a separate envelope containing your pin two to three days before or after your card arrives. You may also change your pin at any one of our branches; unfortunately due to security purposes it will not be done over the phone.

What happens if I am not by a branch how can I withdraw my money for free?

If you withdraw your funds at one of our shared ATMís there will be no surcharge. Use this website to locate those ATMS: http://www.atmallianceone.org/allianceone/

You may also do a point of sale transaction with your debit card, cash back option.

What is the ATM cash withdrawal limit?

$1,000.00 per day, per account; or you can use the credit portion of your debit card up to $2,500.00 a day.

I am vacation out of the country, will my debit card work?

The credit union has secured our members accounts from access by any means from outside the USA.

Notify the teller department when you will be traveling outside the country with the following information: duration of stay and destination. We will then remove any restrictions that would be blocked on your account. The computer will automatic place the security back on your account on the date you indicated.

Does the credit union offer Bill Pay?

The credit union works with PayTrust a trusted 3rd party company who offers bill pay for a nominal fee. The link can be found on our home banking link.

 How can I transfer funds from my account to another individualís account, I am not on?

You can either make this transfer at a branch, or by fax. On the fax be sure to include both account numbers and account holderís names, date, and your signature.

 How long does it take to hear back once a loan application is submitted?

Same Day, with NY TEAM FCU "Instant Decisions".  If you have the time to wait, we have the time to tell you!

 How can I make my MasterCard payment?

1) Pay your MasterCard bill directly on ezcardinfo.com

2) At any one of our three branch offices

3) Over the phone with MasterCard directly at 1-866-791-4288

4) You may sign up for Auto-pay from any account so your payments will be      made automatically. There is an Auto-pay form on our website under CU forms.  Just print it, fill it out and sign, then fax, mail or bring it into any one of our three branch offices.

How do I change my MasterCard pin number?

As long as you know your current pin number you may call 1-866-297-3408 to have it changed to a pin number of your choice.

How do I apply for a Loan?

1)      You may apply over the phone with one of our Loan officers by calling
(516) 822-1070, option #3.

2)      You may apply online through our website by clicking on apply for a Loan on the upper right hand corner of the website under links.

3)      You may fill out a application in any one of our three branch locations

4)      You can mail an application to our address. (65 Broadway, Hicksville, NY 11801)

 What do I do if my MasterCard/Debit card is lost/stolen after business hours?

Please call 1-800-763-1590.

I have noticed your loan rates read as low as, what does that mean?

As of 2012, NY TEAM FCU has welcomed Risked Based Pricing which means rates are advertised with top tier credit ratings and along with our Platinum Relationship Banking Discount. Applicants who are not approved at those rates or terms may be offered credit at a higher rate and/or different term.

What is a Relationship Banking Discount?

As of January 1, 2012 NY TEAM FCU has improved the MVP package and have adapted loan discount tiers to maximize the members who can receive these discounts, this updated package is called Relationship Banking Discount. We would like to reward our members who use our outstanding products and services.

1% - PLATINUM
E-statements
Direct Deposit of Net Pay
Draft Account
 
MasterMoney Debit Card 

.75% - GOLD
Direct Deposit of Net Pay
Draft Account
MasterMoney  Debit Card 

.50% - SILVER
Online Banking
Payroll deduction of payment and a minimum $100 deduction into draft account.
Draft Account
MasterMoney Debit Card 

.25% - BRONZE
Payroll deduction of payment
Draft Account
MasterMoney Debit Card

This product excludes all MasterCard and Real Estate Loan Products.

 


 

 


Newsletter Online
September 2014
March 2014

 


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



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Alliance One's Newsletter

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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