First New York Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Mohawk Progressive FCU	1760 State St, Schenectady, NY 12304	View Lobby Hours
Wall St Location	2 Wall St, Albany, NY 12205	View Lobby Hours
Warrior Branch - Rotterdam	2072 Curry Rd, Schenectady, NY 12303	View Lobby Hours
Albany Location	818 Central Ave, Albany, NY 12206	View Lobby Hours
Rotterdam Location	1879 Altamont Ave, Schenectady, NY 12303	View Lobby Hours
Niskyuna Location	1776 Union St, Schenectady, NY 12309	View Lobby Hours
Schoharie School Branch	136 Academy Dr, Schoharie, NY 12157	View Lobby Hours
Saratoga Location	424 Maple Ave, Saratoga Springs, NY 12866	View Lobby Hours
Patriot Branch-Schenectady	1445 The Plz, Schenectady, NY 12308	View Lobby Hours
Cobleskill Location	795 E Main St Ste 1, Cobleskill, NY 12043	View Lobby Hours
Glenville Location	19 Glenridge Rd, Scotia, NY 12302	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 292473	6.231%	6.125%	0.50	$3,627	$1,945	Learn More
NMLS ID: 401822	6.494%	6.375%	0.63	$3,995	$1,997	Learn More
NMLS ID: 401822						Learn More
NMLS ID: 3030						Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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