Top credit unions in New York ranked by best APR.
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Car rates are for 72 months. The rates listed are the best offered by the top credit unions in New York for A-tier credit scores.
The APR listed may change at any time. Rates vary based on application date, terms, and credit rating.
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Municipal Credit Union
MCU was established in 1917 and has over 610,000 members at 15 credit unions in New York.
It ranks #1 on our 2023 credit union list for competitive rates on all loan types plus a dedication to municipal employees and NYC local heroes like paramedics and firefighters.
The ways to join include residents of New York City, employees of New York State, and employees of the US Federal Government.
Headquarters: 22 Cortlandt St, New York, NY 10007
Broadview Federal Credit Union
Broadview was founded in 1934 and has 495,000 members from 59 locations in New York. It was originally called SEFCU of NYS established as the State Employees Federal Credit Union of New York.
The field of membership includes residents of the Counties: Montgomery, Otsego. Cities: Albany, Binghamton, Buffalo, Cohoes, Lackawanna, Mechanicville, Rensselaer, Schenectady, Syracuse, Troy, Watervliet. Towns: Amherst, Barker, Barton, Berkshire, Binghamton, Candor, Colesville, Conklin, Dickinson, Green Island, Kirkwood, Lisle, Maine, Nanticoke, Nichols, Richford, Sanford, Spencer, Triangle, Union.
Headquarters: 4 Winners Circle, Albany, NY 12205
Bethpage Federal Credit Union
BFCU was established in 1941. It has 460,000 members at 33 branches.
The first members were from the Grumman Aircraft Engineering Company. Now anyone can join by opening a savings account with a $5 initial deposit.
Headquarters: 899 South Oyster Bay Rd, Bethpage, NY 11714
Teachers Federal Credit Union
Teachers FCU was founded in 1952 and serves over 465,000 members at 32 locations in NY. It was created for Long Island educators, but membership is open to anyone who opens a Smart Checking account.
Headquarters: 102 Motor Pkwy, Hauppauge, NY 11788
Empower Federal Credit Union
Empower was founded in 1939 and has 360,000 members from 30 credit unions in New York. It was created for power and light employees, and the current name is from the merger of Empire FCU and Power FCU.
The ways to join include the Counties: Montgomery, Nedrow, Oswego. Cities: Binghamton, Buffalo, Fulton, Syracuse, Utica. Towns: Cheektowaga, Geddes, Union. Villages: Elmira Heights, Horseheads, New York Mills.
Headquarters: 1 Member Way, Syracuse, NY 13212
United Nations Federal Credit Union
Established in 1947 for international UN diplomats residing in New York, UNFCU serves over 220,000 members at 6 unions. It's has a reputation for global banking solutions.
The field of membership includes United Nations consultants and their families; plus affiliated agencies such as World Bank and OSCE.
Headquarters: 24-01 44th Rd, Long Island City, NY 11101
Hudson Valley Credit Union
HVCU was founded in 1963 for IBM computer assemblers. It has 350,000 members at 22 locations.
The ways to join include residents of the following counties: Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rennselaer, Rockland, Saratoga, Schenectady, Ulster, and Westchester.
Headquarters: 2373 Route 9, Poughkeepsie, NY 12601
Jovia Financial Credit Union
Founded in 1954, Jovia serves 220,000 members at 22 unions. It began with 7 teachers in Valley Stream on Long Island.
Jovia continues to support the Long Island community and its educators, providing educational grants and student scholarships. The field of membership includes all NYS residents.
Headquarters: 1000 Corporate Drive Westbury, NY 11590
ESL Federal Credit Union
Established in 1947, ESL serves 425,000 clients at 25 branches in NY. ESL was established by inventor George Eastman, who founded the Eastman Kodak Company. The ESL abbreviation comes from the original name: Eastman Savings & Loan Association.
The ways to join include the counties: Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, or Yates.
New applicants will gain membership to the George Eastman Museum prior to finalizing their ESL membership.
Headquarters: 225 Chestnut St, Rochester, NY 14604
Visions Federal Credit Union
Visions was established in 1966 and has over 250,000 members at 55 branches in New York. Visions upholds a vision of community outreach, hosting annual events to support families of veterans.
The field of membership includes the counties: Broome, Cayuga, Chemung, Chenango, Cortland, Delaware, Madison, Otsego, Rockland, Schuyler, Steuben, Tioga, or Tompkins.
Headquarters: 3301 Country Club Rd, Endwell, NY 13760