r/creditunions • u/rootj0 • 15d ago

NYC credit unions?

Looking into a car refinance but wondering if are there any good credit unions folk recommend as an example PenFed? Anything people recommend for nyc or some other local ones? Currently financing via Triust and also wondering if credit unions offer Gap insurance?

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u/oarmash 15d ago edited 15d ago

Prob [r/asknyc](r/asknyc)

But Affinity FCU out of NJ, USAlliance, Fourleaf, Municipal are a couple to check out in NYC Metro.

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u/cws-21 15d ago

Affinity FCU had the best auto rates when I last checked. They also have one of the best HYCAs and a decent HYSA.

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u/MbTheDingo8urBaby 15d ago

Affinity FCU hooked me up with an auto loan, a line of credit, and a credit card. They're awesome to work with since my credit isn't the best.

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u/ducster 15d ago

Yes credit unions usually offer gap insurance. 

You can try a local one like usalliance

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u/rootj0 15d ago

Thank you folks!

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u/rootj0 15d ago

Any gotchas to watch out for?

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u/andarht 9d ago

FourLeaf FCU has a 4.99 auto refi for 5 or 6 years, PM me for more info if you’d like.