Consumer Loans

Let us be your primary lender by taking advantage of our great loan products. If you have the time; we have the time to tell you if your Instantly Approved!

Auto/Truck/Motorcycle Loans:

We have great deals on new and used vehicles and are here to help you finance the car of your dreams. Pre-approvals give you added bargaining power with our “Instant Decisions”. Stop by or call today to receive your answer immediately. (516) 822-1070 Option 3.

1)       New Auto/Truck/Motorcycle Loan – Borrow up to 100% of purchase price or NADA value with for terms up to 84 months. (Motorcycle maximum term is 60months)

2)       Pre-Owned Vehicles/Motorcycles 2008 & Newer Auto Loan – We finance up to 100% of NADA* value with terms up to 72 months if loan amount is at least $15,000.00. (Motorcycle maximum term is 60months)

3)       Pre-Owned Vehicles/Motorcycles 2006 & 2007 – We finance up to 100% of NADA* value with terms up to 36 months. Minimum loan amount is $5,000.00.

4)       Used Vehicles 2002-05 & Older Auto Loan – We finance 80% of NADA value and need to have a minimum loan amount of 2,000.00 to be eligible for a 36 month term.

5)       Refinance Auto/Truck/Motorcycle Loans – We only refinance loans from other financial institutions.

6)       Private Party Sales – We only finance the payoff amount or up to the NADA retail value of the vehicle, price of vehicle does not include taxes or registration fees.

We offer two valuable insurance programs for vehicle owners through CUNA Mutual; GAP (Guaranteed Asset Protection) and Mechanical Repair Coverage. GAP is here to save you from a huge out of pocket expense. If your car is stolen or is declared a total loss and your loan balance exceeds the vehicles value, GAP is to cover the difference. Our Mechanical Repair Coverage is a warranty; pays for covered mechanical repairs, 24 hour roadside assistance, towing, emergency expenses and rentals. Ask a loan officer for more information on these two great programs.

*NADA (National Automobile Dealers Association.)

Personal Loan:

This loan is designed for your varying credit needs from school tuition and vacations to emergencies. The most popular use for this loan is debt consolidation; this allows you to refinance your much higher credit cards into one loan with one low payment. If this loan’s main purpose is debt consolidation, funds will be disbursed in two party checks.  Fixed rates and flexible terms are available.

Minimum loan Amount is $500.00; Maximum loan amount is $20,000. Terms are offered up to 60 months.

Summer Camp Loan:

This loan is designed to help send your child to Summer Camp. The loan details are available every Spring.

Holiday Loan Sale:

We know the Holidays can be expensive; we are here to help with one of our Most Popular Sales our annual Holiday Loan Sale. Details will available in the Fall.

Shared Secured Loan:

This loan is designed for you to borrow against your own shares. This loan is also here to help build up your credit. The loan amount is designed by you; the amount will not exceed the total amount of shares held and terms are offered up to 60 months. Shares are eligible for dividends while being held.             

MasterCard Credit Cards:

We offer two MasterCards with low rates and no annual fee. Our Platinum MasterCard is for a member who prefers a larger credit limit; the limits are from $5,000.00 to $10,000.00. Our Classic MasterCard we offer with a limit up to $5,000.00. Our MasterCard is accepted worldwide and the only card you will need! Please call for an application to apply for one today! (516) 822-1070 Option 3.

*APR = Annual Percentage Rate. Rates and terms are accurate as of 3/28/12 and are
 subject to change without notice. Rates available for loans with full direct deposit,
MVP discount. The above loan requests are subject to credit approval. Loan rates
without Direct Deposit MVP discount will be 1.00% higher than those displayed.
Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different term. Please see an NY TEAM FCU representative for
additional information, applicable fees and terms. Membership in NY TEAM FCU
requires a Share Savings account with a $25 minimum balance.  To be eligible for
membership you must belong to one of our charters or be an immediate family
member.

March 2013 January 2013 September 2012 June 2012   Our MasterCard Credit Card Members will now be earning Rewards on Every Purchase!! Click! here to find a no surcharge ATM in your area 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.

help wanted | locations | services | about us | contact