The 20 Best Credit Unions in New York

When it comes to finding a reliable and trustworthy financial institution in New York, many residents are turning to credit unions. These member-owned cooperatives offer a unique alternative to traditional banks, providing personalized service and competitive rates to their members. If you are in search of a credit union in New York that meets your financial needs, look no further.
Whether you are looking for a credit union that offers low fees, high-interest rates on savings accounts, or a wide range of financial services, there are plenty of options to choose from in the state of New York. By comparing the services and features offered by different credit unions, you can find the one that best suits your individual needs.
- Personalized customer service
- Competitive interest rates
- Wide range of financial services
- Low fees
Explore the top credit unions in New York below and start reaping the benefits of membership today.
- 1. NY Bravest Federal Credit Union
- 2. Union Square
- 3. Actors Federal Credit Union
- 4. The Finest Federal Credit Union
- 5. New York Times Employees Federal Credit Union
- 6. Greater Metro FCU
- 7. Actors Federal Credit Union
- 8. Grand Central Credit Union
- 9. Self Reliance NY Federal Credit Union
- 10. Municipal Credit Union
- 11. Financial Federal Credit Union
- 12. 207 Federal Credit Union
- 13. Brooklyn Cooperative Federal Credit Union
- 14. NYU Federal Credit Union
- 15. Neighborhood Trust Federal Credit Union
- 16. 20th Century Fox Credit Union
- 17. Lower East Side People's FCU
- 18. Municipal Credit Union
- 19. PenFed Credit Union
- 20. Elektra Federal Credit Union
- Monday: 9 AM–5 PM
- Tuesday: 9 AM–5 PM
- Wednesday: 9 AM–5 PM
- Thursday: 9 AM–5 PM
- Friday: 9 AM–5 PM
- Saturday: Closed
- Sunday: Closed
1. NY Bravest Federal Credit Union
Information and Reviews
- I would highly recommend this credit union to anyone looking for a loan and banking professionalism and great customer service by Sebastian & Tonya Frazier.
- Great experience working with the Bravest Credit Union. Tonya was extremely professional, knowledgeable and helpful. She guided me through the entire process and was a pleasure to work with.
- 10/10 experience. Tonya and her associates were able to not only help me get exactly what I needed which was a debt consolidation loan.
- I used NY Bravest FCU for an auto loan. My account was easy to set up, and the process was totally painless. All done over the phone/online.
These reviews highlight the outstanding customer service and expertise provided by the NY Bravest Federal Credit Union. Contact them for all your financial needs.
2. Union Square
Information and Reviews
- Great little farmer's market. Nice place to spend some time and find unique items.
- Beautiful park area with vibrant energy and a fantastic farmers' market.
- Nice area to shop, eat, and hang out, catering to a variety of tastes and budgets.
- Love the concept of the area with different stores located outdoors, creating a unique shopping experience.
Union Square is not just a credit union but a community hub that offers more than just financial services. Discover the charm and convenience of this area while taking care of your banking needs.

- Monday: 9 AM–4:30 PM
- Tuesday: 9 AM–4:30 PM
- Wednesday: 9 AM–4:30 PM
- Thursday: 9 AM–4:30 PM
- Friday: 9 AM–4:30 PM
- Saturday: Closed
- Sunday: Closed
3. Actors Federal Credit Union
Information and Reviews
- I love the familiar, almost family feeling of service from everyone I’ve ever interacted with at Actor federal credit Union. I feel fortunate that this is my bank.
- It's all fee driven with uncaring customer service. One downside? One location in the heart of been I've been with them for 20+ years and that has not changed my opinion. They're awesome! I love them, and they have emergency call service if needed!
- It's wonderful to know that the credit union is still thriving. I have had an incredible experience working with the Actor's Federal Credit Union. They are easy to reach by phone and email, respond quickly to all inquiries, and provide helpful guidance whenever I have questions, big or small.
- My experience with Actors Federal Credit Union has been nothing but pleasant. Everyone is very accommodating, personable, nice, and extremely helpful. They really are the best option for banking.
With a stellar rating of 4.7 stars from 76 reviews, Actors Federal Credit Union stands out as a go-to financial institution for those seeking personalized service and competitive rates. Whether you're looking to open a new account, refinance a mortgage, or apply for a personal loan, this credit union has got you covered.
- Monday: 9 AM–3 PM
- Tuesday: 9 AM–3 PM
- Wednesday: 9 AM–3 PM
- Thursday: 9 AM–3 PM
- Friday: 9 AM–1 PM
- Saturday: Closed
- Sunday: Closed
4. The Finest Federal Credit Union
Information and Reviews
- The staff is friendly, helpful, and treats members like family.
- Customers praise the quick and efficient resolution of any issues they may encounter.
- The credit union offers competitive interest rates and a variety of services to help members achieve their financial goals.
- Many customers recommend The Finest Federal Credit Union over other financial institutions in the area.
If you are looking for a reliable and customer-centric credit union in New York, The Finest Federal Credit Union is a top choice for all your financial needs.
- Monday: 9 AM–4 PM
- Tuesday: 9 AM–4 PM
- Wednesday: 9 AM–4 PM
- Thursday: 9 AM–4 PM
- Friday: 9 AM–4 PM
- Saturday: Closed
- Sunday: Closed
5. New York Times Employees Federal Credit Union
Information and Reviews
Customer reviews highlight the exceptional service and personal touch provided by the team at this credit union. Some key points from the reviews include:
- Great financial consultants
- Personalized service
- Helpful and knowledgeable staff
- Superb service
With a high rating of 4.8, it's no surprise that customers highly recommend New York Times Employees Federal Credit Union for all their banking needs. Whether you're looking for a loan or just want a friendly and professional service, this credit union has got you covered.
- Monday: 9:15 AM–12 PM
- Tuesday: 9:15 AM–12 PM
- Wednesday: 9:15 AM–12 PM
- Thursday: 9:15 AM–12 PM
- Friday: 9:15 AM–12 PM
- Saturday: Closed
- Sunday: Closed
6. Greater Metro FCU
Information and Reviews
Some key points from customer reviews include:
- Excellent credit union after more than 30 years always ready to help.
- Highly recommended for top-notch service and support.
Whether you're looking for assistance with loans, savings, or general financial advice, you can trust Greater Metro FCU to provide exceptional service every step of the way. Visit their website or give them a call to learn more about what they can do for you.
7. Actors Federal Credit Union
Information and Reviews
- Customers rave about the friendly and knowledgeable staff who go above and beyond to assist them with their financial needs.
- The convenient location in New York City makes it easy for members to access their services.
- Clients appreciate the competitive rates and low fees offered by Actors Federal Credit Union.
Experience the superior service and benefits of Actors Federal Credit Union for yourself today!
- Monday: 9 AM–3 PM
- Tuesday: 9 AM–3 PM
- Wednesday: 9 AM–3 PM
- Thursday: 9 AM–3 PM
- Friday: 9 AM–3 PM
- Saturday: Closed
- Sunday: Closed
8. Grand Central Credit Union
Information and Reviews
- Customers rave about the incredible mural and architecture of Grand Central station, creating a unique and pleasant atmosphere.
- The staff is praised for being professional, caring, and handling financial matters efficiently.
- Clients appreciate the timely and pleasant service they receive, making their banking experience seamless.
- Many visitors highlight the iconic nature of the train station and the unique architectural features it offers.
If you're looking for a reliable and customer-focused financial institution, Grand Central Credit Union comes highly recommended by its satisfied members.
- Monday: Closed
- Tuesday: 9 AM–3 PM
- Wednesday: 9 AM–3 PM
- Thursday: 9 AM–3 PM
- Friday: 9 AM–3 PM
- Saturday: 8:30 AM–1 PM
- Sunday: Closed
9. Self Reliance NY Federal Credit Union
Information and Reviews
- Nobody answers the phone during business hours, and customer service representatives are not helpful.
- Great rates and a personal approach make clients feel valued.
- Difficulties in the application process and unprofessionalism in handling documentation may deter potential customers.
- Despite some negative experiences shared by a few customers, many appreciate the great rates, customer service, and benefits provided by this credit union.
- Monday: 8:30 AM–4:30 PM
- Tuesday: 8:30 AM–4:30 PM
- Wednesday: 8:30 AM–4:30 PM
- Thursday: 8:30 AM–4:30 PM
- Friday: 8:30 AM–4:30 PM
- Saturday: 9 AM–1 PM
- Sunday: Closed
10. Municipal Credit Union
Information and Reviews
- Customers praise the friendly and helpful staff, like Jessica and Clinton, who provide top-notch customer service.
- The process of applying for services, such as opening an account or disputing transactions, is seamless and efficient.
- Many customers highlight the knowledge and professionalism of the representatives, such as Shameka Bryant, who go above and beyond to assist them.
- The overall banking experience is described as amazing, easy, and comforting, thanks to the outstanding customer service provided by the staff.
If you are looking for a financial institution that values its members and provides excellent service, Municipal Credit Union is the place to go.
11. Financial Federal Credit Union
Information and Reviews
The credit union's commitment to customer satisfaction is evident in the glowing reviews it has received:
- Provides excellent services
- Always delivered with high standards
- Great customer support
Whether you're looking for a new financial institution or exploring better options for your banking needs, Financial Federal Credit Union is definitely worth considering. Experience exceptional service and convenience at this esteemed establishment.
- Monday: Closed
- Tuesday: 9–9:30 AM
- Wednesday: 9–9:30 AM
- Thursday: 9–9:30 AM
- Friday: Closed
- Saturday: Closed
- Sunday: Closed
12. 207 Federal Credit Union
Information and Reviews
Some key points from customer reviews include:
- This is the best Credit Union that I have ever done business with. Staff members do everything possible to get you approved for the loan you need.
- Go see Steve, best guy!
- The staff is very respectful and kind.
- No communication.
With a rating of 4.3, 207 Federal Credit Union is a trusted financial institution where customers can expect excellent service and support.
- Monday: 9 AM–5 PM
- Tuesday: 9 AM–5 PM
- Wednesday: 11 AM–3 PM
- Thursday: 9 AM–3 PM
- Friday: 11 AM–6 PM
- Saturday: 9 AM–2 PM
- Sunday: Closed
13. Brooklyn Cooperative Federal Credit Union
Information and Reviews
Customers have shared their experiences at Brooklyn Cooperative Federal Credit Union. The reviews highlight the following key points:
- Customers appreciate the friendly and professional staff.
- There are resources available such as financial workshops, small business workshops, and loans.
- Customers value the personal touch and sense of community at the credit union.
- Some clients experienced challenges with certain operational services such as withdrawal and deposit due to unpredictable opening hours.
Overall, Brooklyn Cooperative Federal Credit Union has received positive feedback from customers who value the personalized service and community feel of the cooperative.
- Monday: 9 AM–5 PM
- Tuesday: 9 AM–3 PM
- Wednesday: 9 AM–5 PM
- Thursday: 9 AM–5 PM
- Friday: 9 AM–5 PM
- Saturday: Closed
- Sunday: Closed
14. NYU Federal Credit Union
Information and Reviews
- Customers appreciate the ease of opening accounts and accessing services, especially in unique situations like home equity lines of credit.
- Members value the attentive and helpful staff who prioritize their needs and provide personalized support.
- Positive remarks have been made about the convenience of their locations and the availability of various financial tools.
There are also critical reviews that highlight areas for improvement, such as long wait times, limited ATM availability, and reported issues with credit card payments. Despite these challenges, many customers have expressed gratitude for the security and reliability of their financial services.
- Monday: 9 AM–4 PM
- Tuesday: 9 AM–4 PM
- Wednesday: 9 AM–1 PM
- Thursday: 9 AM–6 PM
- Friday: 9 AM–4 PM
- Saturday: 10 AM–2 PM
- Sunday: Closed
15. Neighborhood Trust Federal Credit Union
Information and Reviews
- Safe place to keep money with excellent interest rates
- Professional and helpful staff
- Personalized financial advice and seminars for members
- Easy and fast process for services such as applying for the NYC ID
16. 20th Century Fox Credit Union
Information and Reviews
With a 4.0-star rating based on 8 reviews, customers have expressed their satisfaction with the services provided. Here are some key points from the reviews:
- "I doubt this business is actually here, been there twice and there's no entrance and the windows are covered entirely."
- "GOOOOOOOOOOOOOD"
- "Memiliki pacar celeb membuatku ingin membuktikan siapa yang paling terkenal."
- "An excellent establishment with great customer service."
If you are in need of reliable financial solutions and excellent customer service, 20th Century Fox Credit Union is the place to be!
- Monday: 9 AM–4 PM
- Tuesday: 9 AM–4 PM
- Wednesday: 9 AM–4 PM
- Thursday: 9 AM–4 PM
- Friday: 9 AM–4 PM
- Saturday: Closed
- Sunday: Closed
17. Lower East Side People's FCU
Information and Reviews
With a rating of 3.6 stars, Lower East Side People's FCU has received positive reviews from many customers. Here are some key points summarized from the reviews:
- A community bank run by and for the community, offering a much-needed alternative to big banks.
- Efficient and welcoming staff who provide excellent customer service.
- A sense of camaraderie and community support felt within the branch.
- Reduced fees and cooperative financial services thanks to collaboration with other credit unions.
Customers appreciate the impressive services and community-oriented atmosphere at Lower East Side People's FCU. The credit union goes above and beyond to make sure all members feel valued and supported.
- Monday: 8:30 AM–4:30 PM
- Tuesday: 8:30 AM–4:30 PM
- Wednesday: 8:30 AM–4:30 PM
- Thursday: 8:30 AM–4:30 PM
- Friday: 8:30 AM–4:30 PM
- Saturday: 9 AM–1 PM
- Sunday: Closed
18. Municipal Credit Union
Information and Reviews
- MCU recently upgraded its location to a clean and modern design, providing a more inviting atmosphere for customers. The use of iPads instead of traditional ticket systems for customer information has streamlined the process.
- Some customers have praised specific staff members for their professionalism and helpfulness, like Cullen and Mrs. Lastacia William, who provided exceptional service and made their banking experience seamless.
- On the other hand, some customers have expressed dissatisfaction with the customer service, mentioning rude and unhelpful behavior from certain staff members. Issues with mortgage loan applications and account locking procedures have been highlighted as areas of improvement.
- Overall, customers have appreciated the efforts of MCU in enhancing their services and convenience for patrons. From streamlined processes to helpful staff members, the credit union strives to provide a positive banking experience for all.
If you're looking for a reliable credit union in New York, Municipal Credit Union is definitely worth considering for your financial needs.
- Monday: 8:30 AM–4:30 PM
- Tuesday: 8:30 AM–4:30 PM
- Wednesday: 8:30 AM–4:30 PM
- Thursday: 8:30 AM–4:30 PM
- Friday: 8:30 AM–4:30 PM
- Saturday: Closed
- Sunday: Closed
19. PenFed Credit Union
Information and Reviews
- Customers appreciate the professionalism of the employees.
- They also value the security measures taken to prevent fraud.
- Many have had a great experience with their auto loans, mentioning the ease and efficiency of the process, as well as competitive rates.
Whether you're looking for an auto loan or need assistance with your banking needs, PenFed Credit Union is a reliable choice in the financial services industry.
- Monday: 9 AM–4 PM
- Tuesday: 9 AM–6 PM
- Wednesday: 9 AM–4 PM
- Thursday: 9 AM–4 PM
- Friday: Closed
- Saturday: Closed
- Sunday: Closed
20. Elektra Federal Credit Union
Information and Reviews
- One customer expressed disappointment with the customer service, citing a lack of enthusiasm and rudeness during their interaction.
- Another member shared their frustrating experience of being denied a loan despite meeting the stated requirements, and feeling discriminated against based on their race.
- On the positive side, some customers praised the accessibility and convenience of the credit union, highlighting its fast and accurate service.
If you are looking for a local credit union with a mix of reviews from customers, Elektra Federal Credit Union might be worth considering for your banking needs.
Map of Credit Unions in New York
For those looking to join a credit union in New York, this map provides a comprehensive overview of all the available options. Whether you're seeking better interest rates or more personalized customer service, credit unions can offer a great alternative to traditional banks. Discover the closest credit union to you and start reaping the benefits today.
What is a credit union?
A credit union is a not-for-profit financial cooperative that is owned and operated by its members. It provides a range of financial services, including savings accounts, loans, and other financial products.
Unlike traditional banks, credit unions are member-owned and controlled, with a focus on providing affordable financial services to their members. They often offer lower fees and better interest rates than for-profit banks.
Members typically share a common bond, such as living in the same community or working for the same employer, and must meet eligibility requirements to join a credit union.
How do credit unions in New York differ from banks?
Credit unions in New York are similar to banks in that they offer many of the same financial services, such as checking accounts, loans, and credit cards. However, there are some key differences between the two.
One major difference is that credit unions are member-owned and operated, while banks are typically run for profit. This means that credit unions often have lower fees and better interest rates for their members.
Credit unions also tend to have a more community-focused approach, with a strong emphasis on serving their members' needs and supporting local initiatives.
How can I become a member of a credit union in New York?
To become a member of a credit union in New York, you typically need to meet certain eligibility requirements. This may include living, working, or worshiping in a specific geographic area, being employed by a certain company, or belonging to a particular organization.
Once you determine that you are eligible to join a credit union, you will need to fill out a membership application and deposit a small amount of money into a savings account. This establishes your membership and gives you access to the credit union's services.
Once you become a member, you will have voting rights in the credit union's decision-making process and can take advantage of the various financial products and services offered.
What are the benefits of joining a credit union in New York?
Joining a credit union in New York has several benefits, including:
- Lower fees: Credit unions often have lower fees than traditional banks, saving you money in the long run.
- Better interest rates: Credit unions typically offer higher interest rates on savings accounts and lower rates on loans.
- Personalized service: Credit unions are known for their personalized, member-focused service, with staff who are dedicated to meeting your financial needs.
In addition, credit unions are an integral part of the community, supporting local initiatives and providing financial education to members.

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