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Division 726 Federal Credit Union is a member-owned credit union serving Staten Island transportation workers since 1970, offering personal loans, auto loans, and Christmas loans.
Data compiled from public sources
Division 726 Federal Credit Union was established in 1970 and has been serving the financial needs of Staten Island, New York for over 50 years. The credit union is specifically focused on serving transportation workers in the Staten Island community and operates as a member-owned, not-for-profit institution regulated by the NCUA. Their physical location at 4886 Arthur Kill Road provides in-person service during limited business hours.
The credit union offers a range of lending products including personal loans (both short-term and long-term options up to 48 months), new and used auto loans with terms up to 72 months, and seasonal Christmas loans. Personal loans start at 8.50% APR for short-term (12-month) options and 8.95% APR for long-term (up to 48 months). Auto lending is competitive, with new car loans starting at 3.95% APR and used car loans at 4.95% APR. Christmas loans are offered seasonally (November through February) at 9.95% APR.
Division 726 differentiates itself through its niche focus on Staten Island transportation workers, creating a tight-knit member community. The credit union maintains a personal approach with a small leadership team visible on their website and direct phone accessibility. As a federal credit union, members benefit from NCUA insurance protection on deposits and member-owned governance structure rather than shareholder profit maximization.
The primary limitation is accessibility—the credit union operates only Monday, Tuesday, and Thursday from 9:30 AM to 3:00 PM, plus Friday 9:30 AM to 12 noon, which may be restrictive for working individuals. There is no mention of online lending, mobile apps, or extended digital services beyond account login functionality. The website appears minimally maintained (WordPress template with dated design), and no information is provided about membership eligibility requirements, deposit products, or other services beyond lending.
This is state-level context for Credit Unions consumers in Staten Island, NY. It does not confirm that Division 726 or this specific location is licensed.
State regulator
New York Department of Financial Services
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Division 726 offers 8 services including New car loans (starting 3.95% APR, up to 72 months), Used car loans and lease buyouts (starting 4.95% APR, up to 60 months), Long-term personal loans (starting 8.95% APR, up to 48 months), Short-term personal loans (starting 8.50% APR, 12-month maximum), Seasonal Christmas loans (9.95% APR, November-February), and 3 more.
Division 726 has profile signals associated with Staten Island transportation workers seeking relationship banking with a community-focused credit union, Auto buyers looking for rate claims to verify from a local, member-owned lender, Individuals preferring member-owned financial institutions over for-profit banks.
Key strengths: Competitive auto loan rates starting at 3.95% APR for new cars and 4.95% for used cars; NCUA insurance protection on member deposits and accounts; Member-owned, not-for-profit structure prioritizes member benefit over profit extraction. Areas to consider: Very limited operating hours (closed Wednesday, Friday closes at noon, no Saturday/Sunday service); No evidence of online banking, digital lending applications, or mobile services.
In the Credit Unions category, comparable providers include Abyssinian Baptist Church, Access, Advantage. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Division 726 is profile signals for Staten Island transportation workers and local residents seeking personalized, community-focused credit union lending with competitive auto and personal loan rates. The primary caveat is severely limited operating hours (closed Wednesdays, Friday closes at noon) and apparent lack of digital banking services, making this credit union impractical for customers who need after-hours access or online lending capabilities.
Federal credit union serving members of Abyssinian Baptist Church, offering personal loans, savings clubs, and financial education with NCUA insurance protection.
Profile signals: Members of Abyssinian Baptist Church seeking personalized financial services, Individuals looking for debt consolidation with community-based lending
Access Federal Credit Union is a member-owned, not-for-profit credit union offering checking, savings, loans, and digital banking services to its members.
Profile signals: Members seeking full-service credit union banking with strong digital capabilities, Individuals who prefer mobile-first banking and remote check deposit functionality
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.
Profile signals: Rochester-area residents and those meeting membership criteria seeking community-based, not-for-profit banking, Families with youth members interested in financial education, savings incentives, and credit-building opportunities
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