Credit Unions in Albany, NY
Review 100 listed credit unions profiles associated with Albany, New York. Check local offices, stored review context, and state-level rules before contacting a provider.
100
Credit Unions Listed Profiles
100
Statewide Profiles
Review credit unions provider profiles associated with Albany, New York. Compare local and statewide profile context, and check stored Google ratings where available.
How to Use This Albany List
Start with local and statewide provider profiles, then check the related state rules, common borrower questions, and CreditDoc data explainers. A listing here is directory context, not a recommendation, approval prediction, price quote, or licensing determination.
Credit Unions Serving Albany, NY
Statewide profiles that may be relevant for Albany residents researching this category.
1199 SEIU Federal CU
I AM Federal Credit Union (formerly 1199 SEIU FCU) is a member-owned credit union offering checking, savings, CDs, mortgages, and digital banking services with fee-free ATM access.
Abyssinian Baptist Church
Federal credit union serving members of Abyssinian Baptist Church, offering personal loans, savings clubs, and financial education with NCUA insurance protection.
Access
Access Federal Credit Union is a member-owned, not-for-profit credit union offering checking, savings, loans, and digital banking services to its members.
Actors Federal Credit Union
Actors Federal Credit Union is a specialized credit union founded in 1962 serving artists and performers with competitive rates on checking, savings, mortgages, and auto loans.
Adirondack Regional
Adirondack Regional Federal Credit Union is a member-owned, not-for-profit credit union serving upstate New York with checking, savings, loans, mortgages, and business accounts.
Advantage
Advantage Federal Credit Union is a member-owned, NCUA-insured credit union based in Rochester, NY, offering checking, savings, loans, and credit cards to local members.
Affinity One
Member-owned federal credit union serving southern Chautauqua County since 1948, offering competitive auto loans, personal loans, credit cards, and savings products with no-fee ATM network access.
Afgm Enterprises
AFGM Enterprises Federal Credit Union is a member-owned credit union in Cheektowaga, NY offering loans, certificates of deposit, debit cards, and online banking to eligible members.
Alco
Alco Federal Credit Union is a member-owned credit union offering VISA credit cards, checking/savings accounts, and online banking services to its members.
Alliance Niagara
Alliance Niagara Federal Credit Union is a member-owned credit union offering savings accounts, certificates, auto loans, and online banking services to its community.
Amherst
Amherst Federal Credit Union is a member-owned, NCUA-insured credit union serving the Amherst, NY community since 1947, offering competitive lending and deposit products.
Auburn Community
Auburn Community Federal Credit Union is a member-owned credit union serving Central New York with checking, savings, auto loans, home equity loans, and credit cards.
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How do I get an SBA loan in Albany, NY?
Albany small business owners are served by the SBA Syracuse District Office, which covers the Capital Region. New York processed 23,225 SBA loans totaling $8.6 billion statewide, so lending activity is strong. Start by preparing your business plan and financial statements, then work with an SBA-preferred lender — several Capital Region banks and credit unions participate. The SBA 7(a) program covers general business needs, the 504 program handles real estate and equipment, and microloans serve startups needing smaller amounts. Compare lender options in CreditDoc's guide to the best SBA loans.
What are alternatives to payday loans in Albany, NY?
Payday lending is banned in New York under the state's criminal usury statute, which caps interest at 25%. This protects Albany residents from triple-digit APR products, but it means you need to know your alternatives. Capital Region credit unions often offer payday alternative loans (PALs) with rates capped at 28% by federal regulation. Local community action agencies may offer emergency assistance funds. For longer-term borrowing needs, compare options through CreditDoc's list of best personal loan lenders, many of which serve borrowers with fair or rebuilding credit.
What credit unions serve Albany, NY residents?
The Capital Region has several well-established credit unions. Broadview Federal Credit Union (formerly SEFCU) is one of the largest in the area, serving state employees and the general public with competitive loan rates and lower fees than many national banks. Capital Communications Federal Credit Union and First New York Federal Credit Union also serve Albany residents. Credit unions are member-owned and typically offer lower interest rates on auto loans, personal loans, and mortgages. They are particularly good options for Albany residents with average credit scores looking for better terms than big-bank alternatives.
Credit Unions Questions for Albany Residents
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